--- url: /docs/kb/payment-methods.md description: >- Every bank transfer rail BlindPay supports, by country and currency: ACH, wire, RTP, SWIFT, Pix, PIX Safe, TED, SPEI, PSE, Transfers, SEPA, and Faster Payments. --- BlindPay supports bank transfers over local rails in the US, Brazil, Mexico, Colombia, Argentina, Europe, and the United Kingdom, plus international SWIFT globally. Each payment method moves money in one or both directions: **receive** (a payin, money coming into BlindPay) and **send** (a payout, money going out to a bank account). | Payment method | Country/Region | Currency | Direction | | --- | --- | --- | --- | | International SWIFT | 🌎 Global | USD | Receive + send | | ACH | πŸ‡ΊπŸ‡Έ United States | USD | Receive + send | | ACH Pull | πŸ‡ΊπŸ‡Έ United States | USD | Receive | | Domestic Wire | πŸ‡ΊπŸ‡Έ United States | USD | Receive + send | | RTP | πŸ‡ΊπŸ‡Έ United States | USD | Receive + send | | Pix | πŸ‡§πŸ‡· Brazil | BRL | Receive + send | | PIX Safe | πŸ‡§πŸ‡· Brazil | BRL | Send | | TED | πŸ‡§πŸ‡· Brazil | BRL | Receive + send | | SPEI | πŸ‡²πŸ‡½ Mexico | MXN | Receive + send | | PSE | πŸ‡¨πŸ‡΄ Colombia | COP | Receive | | ACH Colombia | πŸ‡¨πŸ‡΄ Colombia | COP | Send | | Transfers 3.0 | πŸ‡¦πŸ‡· Argentina | ARS | Receive + send | | SEPA | πŸ‡ͺπŸ‡Ί Europe (SEPA zone) | EUR | Send | | Faster Payments | πŸ‡¬πŸ‡§ United Kingdom | GBP | Send | On the receive side, US payments arrive either into a customer's own [virtual account](/docs/virtual-accounts) or into BlindPay's bank details with a `memo_code`. Alternatively, an `ach_pull` payin pulls the funds directly from a bank account the customer connected through [Plaid](/docs/bank-accounts#connect-with-plaid), skipping the manual transfer entirely; see [Payins](/docs/payins#pull-funding-from-a-plaid-connected-account). Receiving `ted` payins requires the `ted_payin` subscription feature on your instance. Creating a `ted` payin quote without it fails with `PAYINS_METHOD_NOT_SUPPORTED`. Contact BlindPay to enable it. `pix_safe` is a payout-only bank account type; it isn't a payin `payment_method`. ## Fetch rails dynamically The table above is also available at runtime from `GET /available/rails` (no API key required). Each entry is `{ label, value, country }`; `country` is a display hint for the rail picker's flag icon, not a claim that BlindPay has a rail in that country (SEPA, for example, surfaces `DE` as its default flag). ## SEPA destinations SEPA payouts in EUR are available to bank accounts in: Albania, Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Holy See, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Moldova, Monaco, Montenegro, Netherlands, North Macedonia, Norway, Poland, Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland, and the United Kingdom. SEPA payouts to Austria, Estonia, Finland, France, Lithuania, Norway, and Portugal are currently limited to individual beneficiaries (`account_class: individual`). SEPA payouts settle through BlindPay's banking partner network. The crypto leg always runs on Polygon, regardless of which network you funded the payout from; this doesn't change what you send to the API, but can affect the on-chain timing you observe. ## Faster Payments destinations Faster Payments payouts in GBP go to UK bank accounts, identified by a 6-digit sort code and an 8-digit account number. Both individual and business beneficiaries are supported. Like SEPA, Faster Payments payouts settle through BlindPay's banking partner network and the crypto leg always runs on Polygon, regardless of which network you funded the payout from. ## Settlement and cut-offs How fast each rail settles, and the daily cut-offs for ACH, wire, and SWIFT, are covered in [Cut-off times](/docs/kb/cut-off-times). As a rule of thumb: Pix, PIX Safe, SPEI, and Transfers settle in minutes; RTP is instant; ACH, wire, TED, ACH Colombia, SEPA, and Faster Payments take about 1-2 business days; SWIFT can take up to 5 business days. ## Related * [Supported countries](/docs/kb/supported-countries): which countries customers can onboard from * [Bank transfer in](/docs/payins): payin quotes and what to show the payer * [Pay out to bank](/docs/payouts): adding bank accounts and sending payouts * [Cut-off times](/docs/kb/cut-off-times): settlement windows and processing cut-offs per rail