---
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, and SEPA.
---

BlindPay supports bank transfers over local rails in the US, Brazil, Mexico, Colombia, Argentina, and Europe, 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 | 🇺🇸 United States | USD | Receive + send |
| ACH Pull | 🇺🇸 United States | USD | Receive |
| Domestic Wire | 🇺🇸 United States | USD | Receive + send |
| RTP | 🇺🇸 United States | USD | Receive + send |
| Pix | 🇧🇷 Brazil | BRL | Receive + send |
| PIX Safe | 🇧🇷 Brazil | BRL | Send |
| TED | 🇧🇷 Brazil | BRL | Receive + send |
| SPEI | 🇲🇽 Mexico | MXN | Receive + send |
| PSE | 🇨🇴 Colombia | COP | Receive |
| ACH Colombia | 🇨🇴 Colombia | COP | Send |
| Transfers 3.0 | 🇦🇷 Argentina | ARS | Receive + send |
| SEPA | 🇪🇺 Europe (SEPA zone) | EUR | 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.

## 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, and SEPA 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