Payment Rails
SolideFinance
Payment Rails

Bank payment rails by market

Domestic and regional bank-account clearing & settlement systems worldwide, each mapped to its currency and the countries it reaches.
Accessible
124 rails
49 currencies
124
Rails shown
48
Currencies
67
Countries
16
Consumer wallets
24
Mobile money
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🇪🇺EUR10 rails
BizumWallet
🏦 Proxy: mobile → IBAN
Spanish mobile P2P scheme, bank-account linked.
Instant
Max / txn€1,000≈ $1k
Account typeWallet / Proxy
🇪🇸Spain
Spain
iDEALWallet
🏦 Bank redirect → IBAN
Dutch bank-based online payments (adding wallet in iDEAL 2.0).
Instant
Max / txnBank-set
Account typeWallet / Proxy
🇳🇱Netherlands
Netherlands
MB WAYWallet
🏦 Proxy: mobile → IBAN
Portuguese mobile payments (P2P, in-store, online).
Instant
Max / txn€750/day≈ $810
Account typeWallet / Proxy
🇵🇹Portugal
Portugal
Payconiq / BancontactWallet
🏦 Proxy: mobile / QR → IBAN
Belgian mobile & QR payments.
Instant
Max / txnBank-set
Account typeWallet / Proxy
🇧🇪Belgium
Belgium
SatispayWallet
🏦 Linked IBAN / balance
Italian mobile payment network, IBAN-linked.
Instant
Max / txnBank-set
Account typeWallet / Proxy
🇮🇹Italy
Italy
SEPA Instant (SCT Inst)
🏦 IBAN
10-second euro instant payments, 24/7.
Instant
Max / txn€100,000≈ $108k
Account typeBank account
🇩🇪Germany🇫🇷France🇮🇹Italy🇪🇸Spain🇳🇱Netherlands🇧🇪Belgium🇮🇪Ireland🇵🇹Portugal
SEPA
TIPS
🏦 IBAN
TARGET Instant Payment Settlement.
Instant
Max / txn€100,000≈ $108k
Account typeBank account
🇩🇪Germany🇫🇷France🇮🇹Italy🇪🇸Spain
Eurozone
WeroWallet
🏦 Proxy: mobile / email → IBAN
Account-to-account instant payments (person-to-person, e-commerce).
Instant
Max / txnBank-set
Account typeWallet / Proxy
🇩🇪Germany🇫🇷France🇧🇪Belgium
EPI · account-to-account
European Payments Initiative wallet built on SEPA Instant; expanding to Netherlands & Luxembourg.
SEPA Credit Transfer (SCT)
🏦 IBAN
Standard euro credit transfer across the SEPA area.
ACH · batch
Max / txnBank-set
Account typeBank account
🇩🇪Germany🇫🇷France🇮🇹Italy🇪🇸Spain🇳🇱Netherlands🇧🇪Belgium🇮🇪Ireland🇵🇹Portugal🇦🇹Austria🇫🇮Finland
SEPA (36 countries)
SEPA also covers non-EU participants: Liechtenstein, Iceland & Norway (EEA), plus Monaco, San Marino, Andorra, Vatican City, Switzerland & the UK.
SEPA Direct Debit (SDD)
🏦 IBAN
Core & B2B euro direct debit.
Direct debit
Max / txnBank-set
Account typeBank account
🇩🇪Germany🇫🇷France🇮🇹Italy🇪🇸Spain🇳🇱Netherlands
SEPA
Multi8 rails
Mercado Pago
🏦 Varies by market
Regional wallet (MercadoLibre).
Instant
Account typeMobile money
🇧🇷BrazilBRL🇦🇷ArgentinaARS🇲🇽MexicoMXN
Brazil · Argentina · Mexico
Regional Payment Connectivity (RPC)
🏦 Cross-scheme QR / proxy
Cross-border QR and instant-payment linkages across ASEAN central banks.
Cross-border
Account typeBank account
🇸🇬SingaporeSGD🇹🇭ThailandTHB🇲🇾MalaysiaMYR🇮🇩IndonesiaIDR🇵🇭PhilippinesPHP🇻🇳VietnamVND
ASEAN · cross-border QR & fast-payment links
TCIB
🏦 Varies by market
Transactions Cleared on an Immediate Basis — SADC cross-border scheme.
Cross-border
Account typeBank account / Mobile
🇿🇦South AfricaZAR🇿🇲ZambiaZMW🇹🇿TanzaniaTZS
SADC · cross-border instant
Open to banks and authorised non-banks; low-value immediate credit push.
Mastercard Move / Cross-Border
🏦 IBAN / local account / wallet
Bank-account and wallet payouts across 150+ currencies and 180+ markets.
Card network
Account typeCard / Bank account
🇺🇸United StatesUSD🇬🇧United KingdomGBP🇩🇪GermanyEUR🇫🇷FranceEUR🇪🇸SpainEUR🇮🇹ItalyEUR🇵🇱PolandPLN🇧🇷BrazilBRL🇲🇽MexicoMXN🇨🇴ColombiaCOP🇨🇦CanadaCAD🇮🇳IndiaINR🇵🇭PhilippinesPHP🇮🇩IndonesiaIDR🇸🇬SingaporeSGD🇦🇺AustraliaAUD🇯🇵JapanJPY🇳🇬NigeriaNGN🇰🇪KenyaKES🇿🇦South AfricaZAR🇪🇬EgyptEGP🇲🇦MoroccoMAD🇦🇪United Arab EmiratesAED🇸🇦Saudi ArabiaSAR🇹🇷TurkeyTRY🇧🇩BangladeshBDT🇵🇰PakistanPKR🇻🇳VietnamVND🇹🇭ThailandTHB🇬🇭GhanaGHS
Global · 180+ markets · 150+ currencies
Mastercard Send
🏦 Card PAN / IBAN / local account
Push payments to cards and bank accounts, domestic and cross-border.
Card network
Max / txn$50,000*
Account typeCard / Bank account
🇺🇸United StatesUSD🇬🇧United KingdomGBP🇩🇪GermanyEUR🇫🇷FranceEUR🇪🇸SpainEUR🇮🇹ItalyEUR🇵🇱PolandPLN🇧🇷BrazilBRL🇲🇽MexicoMXN🇨🇴ColombiaCOP🇨🇦CanadaCAD🇮🇳IndiaINR🇵🇭PhilippinesPHP🇮🇩IndonesiaIDR🇸🇬SingaporeSGD🇦🇺AustraliaAUD🇯🇵JapanJPY🇳🇬NigeriaNGN🇰🇪KenyaKES🇿🇦South AfricaZAR🇪🇬EgyptEGP🇦🇪United Arab EmiratesAED🇸🇦Saudi ArabiaSAR🇹🇷TurkeyTRY
Global · 180+ markets
Visa B2B Connect
🏦 IBAN / local account
Multilateral cross-border account-to-account network for business payments.
Card network
Account typeCard / Bank account
🇺🇸United StatesUSD🇬🇧United KingdomGBP🇩🇪GermanyEUR🇫🇷FranceEUR🇮🇹ItalyEUR🇪🇸SpainEUR🇧🇷BrazilBRL🇲🇽MexicoMXN🇮🇳IndiaINR🇸🇬SingaporeSGD🇭🇰Hong KongHKD🇦🇺AustraliaAUD🇯🇵JapanJPY🇦🇪United Arab EmiratesAED🇸🇦Saudi ArabiaSAR🇿🇦South AfricaZAR
Global · 100+ markets
Visa Direct
🏦 Card PAN / IBAN / local account
Push payments (OCT) to eligible cards and bank accounts; payouts in 160+ currencies.
Card network
Max / txn$50,000*
Account typeCard / Bank account
🇺🇸United StatesUSD🇬🇧United KingdomGBP🇩🇪GermanyEUR🇫🇷FranceEUR🇪🇸SpainEUR🇮🇹ItalyEUR🇵🇱PolandPLN🇧🇷BrazilBRL🇲🇽MexicoMXN🇨🇴ColombiaCOP🇨🇦CanadaCAD🇮🇳IndiaINR🇵🇭PhilippinesPHP🇮🇩IndonesiaIDR🇸🇬SingaporeSGD🇦🇺AustraliaAUD🇯🇵JapanJPY🇳🇬NigeriaNGN🇰🇪KenyaKES🇿🇦South AfricaZAR🇪🇬EgyptEGP🇲🇦MoroccoMAD🇦🇪United Arab EmiratesAED🇸🇦Saudi ArabiaSAR🇹🇷TurkeyTRY
Global · 190+ markets · 160+ currencies
Visa Direct — Account
🏦 IBAN / local account no.
Real-time push straight to a beneficiary bank account (account payout).
Card network
Account typeCard / Bank account
🇺🇸United StatesUSD🇬🇧United KingdomGBP🇩🇪GermanyEUR🇫🇷FranceEUR🇪🇸SpainEUR🇮🇹ItalyEUR🇵🇱PolandPLN🇧🇷BrazilBRL🇲🇽MexicoMXN🇮🇳IndiaINR🇵🇭PhilippinesPHP🇸🇬SingaporeSGD🇦🇺AustraliaAUD🇳🇬NigeriaNGN🇰🇪KenyaKES🇿🇦South AfricaZAR🇦🇪United Arab EmiratesAED🇸🇦Saudi ArabiaSAR
Global · account payout
🇸🇳XOF7 rails
BCEAO Instant Payments
🏦 IBAN (BCEAO)
BCEAO interoperable instant payments (2024+).
Instant
Account typeBank account / Mobile
🇸🇳Senegal🇨🇮Côte d’Ivoire🇲🇱Mali🇧🇯Benin🇹🇬Togo🇧🇫Burkina Faso
WAEMU
Interoperable instant scheme linking banks, e-money & mobile money across WAEMU.
GIM-UEMOA
🏦 IBAN (BCEAO)
Regional interbank card & switch.
Instant
Account typeBank account / Card
🇸🇳Senegal🇨🇮Côte d’Ivoire🇲🇱Mali🇧🇯Benin
WAEMU
Moov Money
🏦 IBAN (BCEAO)
Telco mobile money wallet.
Instant
Account typeMobile money
🇨🇮Côte d’Ivoire🇧🇯Benin🇹🇬Togo
WAEMU
MTN MoMo (Côte d’Ivoire)
🏦 IBAN (BCEAO)
Telco mobile money wallet.
Instant
Account typeMobile money
🇨🇮Côte d’Ivoire
Côte d’Ivoire
Orange Money (West Africa)
🏦 IBAN (BCEAO)
Telco mobile money wallet.
Instant
Account typeMobile money
🇸🇳Senegal🇨🇮Côte d’Ivoire🇲🇱Mali🇧🇯Benin
WAEMU
Wave
🏦 IBAN (BCEAO)
Low-cost mobile money wallet.
Instant
Account typeMobile money
🇸🇳Senegal🇨🇮Côte d’Ivoire🇲🇱Mali
Senegal · Côte d’Ivoire
SICA-UEMOA
🏦 IBAN (BCEAO)
BCEAO regional retail clearing.
ACH · batch
Account typeBank account
🇸🇳Senegal🇨🇮Côte d’Ivoire🇲🇱Mali🇧🇯Benin🇹🇬Togo🇧🇫Burkina Faso
WAEMU · 8 countries
🇮🇩IDR6 rails
BI-FAST
🏦 Proxy / Bank account no.
Bank Indonesia fast payments.
Instant
Account typeBank account
🇮🇩Indonesia
DANA
🏦 Bank code + Account no.
Indonesian e-wallet.
Instant
Account typeMobile money
🇮🇩Indonesia
GoPay
🏦 Bank code + Account no.
Gojek e-wallet.
Instant
Account typeMobile money
🇮🇩Indonesia
OVO
🏦 Bank code + Account no.
Indonesian e-wallet.
Instant
Account typeMobile money
🇮🇩Indonesia
QRIS
🏦 Bank code + Account no.
National QR standard overlaying banks & wallets (Bank Indonesia).
Instant
Account typeBank account / Wallet
🇮🇩Indonesia
SKNBI
🏦 Bank code + Account no.
Sistem Kliring Nasional Bank Indonesia — national batch clearing.
ACH · batch
Account typeBank account
🇮🇩Indonesia
🇨🇴COP4 rails
Bre-B
🏦 Bank account / phone
Banco de la República interoperable instant payments (live Oct 2025).
Instant
Account typeBank account / Wallet
🇨🇴Colombia
interoperable IPS
Alias-based directory (DICE) + 24/7 settlement (MOL) unifying Transfiya, EntreCuentas & others.
Nequi
🏦 Bank account / phone
Colombian digital wallet (Bancolombia).
Instant
Account typeMobile money
🇨🇴Colombia
PSE
🏦 Bank account / phone
Online bank-debit — pay directly from a bank account (ACH Colombia).
Instant
Account typeBank account
🇨🇴Colombia
Transfiya
🏦 Bank account / phone
ACH Colombia account-to-account instant transfers.
Instant
Account typeBank account
🇨🇴Colombia
🇵🇭PHP4 rails
GCash
🏦 Bank account no.
Dominant PH e-wallet (bank/InstaPay-linked).
Instant
Account typeMobile money
🇵🇭Philippines
InstaPay
🏦 Bank account no.
Real-time low-value.
Instant
Account typeBank account
🇵🇭Philippines
Maya
🏦 Bank account no.
PH e-wallet & digital bank.
Instant
Account typeMobile money
🇵🇭Philippines
PESONet
🏦 Bank account no.
Batch EFT.
ACH · batch
Account typeBank account
🇵🇭Philippines
🇺🇸USD4 rails
FedNow
🏦 ABA routing + Account no.
Federal Reserve instant rail, 24/7.
Instant
Max / txn$500,000
Account typeBank account
🇺🇸United States
RTP
🏦 ABA routing + Account no.
The Clearing House Real-Time Payments.
Instant
Max / txn$10,000,000
Account typeBank account
🇺🇸United States
ZelleWallet
🏦 Proxy: email / mobile → account
US bank-network P2P (email / mobile).
Instant
Max / txnBank-set
Account typeWallet / Proxy
🇺🇸United States
FedACH (ACH)
🏦 ABA routing + Account no.
Nacha automated clearing house, batch.
ACH · batch
Max / txn$1M (same-day)
Account typeBank account
🇺🇸United States
🇮🇳INR3 rails
IMPS
🏦 IFSC + Account / MMID
Immediate Payment Service.
Instant
Max / txn₹500,000≈ $6k
Account typeBank account
🇮🇳India
UPI
🏦 VPA (UPI ID) → IFSC + Account
Unified Payments Interface, real-time.
Instant
Max / txn₹100,000≈ $1k
Account typeBank account
🇮🇳India
NEFT
🏦 IFSC + Account no.
National Electronic Funds Transfer.
ACH · batch
Max / txnNo limit
Account typeBank account
🇮🇳India
🇰🇭KHR3 rails
Bakong
🏦 Mobile no. / Bank account
National Bank of Cambodia retail instant payment platform (2020).
Instant
Account typeBank account / Wallet
🇰🇭Cambodia
KHR & USD
Settles in both KHR and USD; blockchain-based, interoperable across banks & wallets.
FAST Payment (Cambodia)
🏦 Mobile no. / Bank account
NBC interbank fast fund transfer.
Instant
Account typeBank account
🇰🇭Cambodia
Wing
🏦 Mobile no. / Bank account
Cambodian mobile money.
Instant
Account typeMobile money
🇰🇭Cambodia
🇵🇪PEN3 rails
CCE
🏦 CCI (20-digit)
Cámara de Compensación Electrónica — immediate & deferred interbank transfers.
Instant
Account typeBank account
🇵🇪Peru
PlinWallet
🏦 CCI (20-digit)
Bank-consortium wallet (BBVA, Interbank, Scotiabank).
Instant
Account typeMobile number
🇵🇪Peru
YapeWallet
🏦 CCI (20-digit)
BCP mobile wallet (Visa Direct-backed), dominant P2P in Peru.
Instant
Account typeMobile number
🇵🇪Peru
🇵🇱PLN3 rails
BLIKWallet
🏦 6-digit code / phone → account
Polish mobile payment standard (code / phone).
Instant
Max / txnBank-set
Account typeWallet / Proxy
🇵🇱Poland
Express Elixir
🏦 IBAN (NRB)
Instant payments.
Instant
Account typeBank account
🇵🇱Poland
Elixir
🏦 IBAN (NRB)
KIR retail clearing.
ACH · batch
Account typeBank account
🇵🇱Poland
🇸🇬SGD3 rails
FAST
🏦 Bank code + Account no.
Fast And Secure Transfers.
Instant
Max / txnSGD 200,000≈ $148k
Account typeBank account
🇸🇬Singapore
PayNowWallet
🏦 Proxy: mobile / NRIC / UEN → account
Proxy overlay on FAST (consumer P2P).
Instant
Max / txnBank-set
Account typeWallet / Proxy
🇸🇬Singapore
GIRO
🏦 Bank code + Account no.
Batch direct credit / debit.
ACH · batch
Account typeBank account
🇸🇬Singapore
🇹🇿TZS3 rails
M-Pesa (Tanzania)
🏦 Bank account / Mobile no.
Vodacom mobile money.
Instant
Account typeMobile money
🇹🇿Tanzania
Tigo Pesa
🏦 Bank account / Mobile no.
Mixx by Yas mobile money.
Instant
Account typeMobile money
🇹🇿Tanzania
TIPS (Tanzania)
🏦 Bank account / Mobile no.
Tanzania Instant Payment System (bank & mobile money).
Instant
Account typeBank account / Mobile
🇹🇿Tanzania
🇺🇬UGX3 rails
Airtel Money (Uganda)
🏦 Mobile no. / Bank account
Telco mobile money wallet.
Instant
Account typeMobile money
🇺🇬Uganda
MTN MoMo (Uganda)
🏦 Mobile no. / Bank account
Telco mobile money wallet.
Instant
Account typeMobile money
🇺🇬Uganda
EFT (Uganda)
🏦 Mobile no. / Bank account
Electronic Funds Transfer — batch interbank credits.
ACH · batch
Account typeBank account
🇺🇬Uganda
🇿🇦ZAR3 rails
PayShap
🏦 Branch code + Account no.
Rapid payments programme.
Instant
Account typeBank account
🇿🇦South Africa
RTC
🏦 Branch code + Account no.
Real-Time Clearing.
Instant
Account typeBank account
🇿🇦South Africa
EFT (ZA)
🏦 Branch code + Account no.
Electronic Funds Transfer, batch.
ACH · batch
Account typeBank account
🇿🇦South Africa
🇦🇪AED2 rails
Aani
🏦 Alias → IBAN
Instant Payments Platform.
Instant
Max / txnBank-set
Account typeBank account
🇦🇪United Arab Emirates
Jaywan
🏦 IBAN
UAE national card & instant-payment scheme (Al Etihad Payments, 2024).
Card network
Account typeCard / Bank account
🇦🇪United Arab Emirates
UAE domestic scheme
🇦🇺AUD2 rails
NPP / Osko
🏦 BSB + Account no.
New Payments Platform, real-time.
Instant
Max / txnBank-set
Account typeBank account
🇦🇺Australia
BECS (Direct Entry)
🏦 BSB + Account no.
Bulk Electronic Clearing System.
ACH · batch
Account typeBank account
🇦🇺Australia
🇧🇩BDT2 rails
bKash
🏦 Mobile no. / Bank account
Dominant BD mobile financial service.
Instant
Account typeMobile money
🇧🇩Bangladesh
Nagad
🏦 Mobile no. / Bank account
BD mobile financial service.
Instant
Account typeMobile money
🇧🇩Bangladesh
🇧🇷BRL2 rails
Pix
🏦 Pix key (CPF / phone / email) → Agência + Conta
Central bank instant payments.
Instant
Max / txnBank-set (night cap)
Account typeBank account
🇧🇷Brazil
TED
🏦 Agência + Conta
Same-day electronic transfer (retail-accessible via banks).
RTGS · high-value
Max / txnNo limit
Account typeBank account
🇧🇷Brazil
🇨🇦CAD2 rails
Interac e-TransferWallet
🏦 Transit + Institution + Account
Retail near-instant transfers (email / mobile P2P).
Instant
Max / txnBank-set
Account typeWallet / Proxy
🇨🇦Canada
AFT
🏦 Transit + Institution + Account
Automated Funds Transfer, batch.
ACH · batch
Account typeBank account
🇨🇦Canada
🇨🇭CHF2 rails
SIC Instant Payments
🏦 IBAN (CH/LI)
Instant CHF over SIC5 (2024+).
Instant
Max / txnBank-set
Account typeBank account
🇨🇭Switzerland🇱🇮Liechtenstein
Reaches Liechtenstein via the shared Swiss franc SIC infrastructure.
TwintWallet
🏦 IBAN (CH/LI)
Mobile account-to-account payments backed by Swiss bank accounts.
Instant
Max / txnCHF 5,000/day≈ $6k
Account typeWallet / Proxy
🇨🇭Switzerland
🇩🇰DKK2 rails
MobilePayWallet
🏦 Proxy: mobile → account
Danish/Finnish mobile wallet (Vipps MobilePay).
Instant
Max / txnBank-set
Account typeWallet / Proxy
🇩🇰Denmark
Straksbetalinger
🏦 IBAN
Danish instant payments.
Instant
Account typeBank account
🇩🇰Denmark
🇪🇬EGP2 rails
InstaPay (Egypt)
🏦 IBAN
Central Bank of Egypt real-time payments.
Instant
Account typeBank account
🇪🇬Egypt
Meeza Digital
🏦 IBAN
National wallet & card scheme.
Instant
Account typeMobile money
🇪🇬Egypt
🇬🇧GBP2 rails
Faster Payments (FPS)
🏦 Sort code + Account no.
Near-instant sterling payments.
Instant
Max / txn£1,000,000≈ $1.3M
Account typeBank account
🇬🇧United Kingdom
Bacs
🏦 Sort code + Account no.
Batch credits & Direct Debit, 3-day cycle.
ACH · batch
Max / txnBank-set
Account typeBank account
🇬🇧United Kingdom
🇬🇭GHS2 rails
GhIPSS Instant Pay (GIP)
🏦 Bank account / MoMo no.
Real-time bank-to-bank transfers.
Instant
Account typeBank account
🇬🇭Ghana
MTN MoMo (Ghana)
🏦 Bank account / MoMo no.
Mobile money wallet (interoperable via GhIPSS MMI).
Instant
Account typeMobile money
🇬🇭Ghana
🇰🇪KES2 rails
M-Pesa
🏦 Bank code + Account no.
Safaricom mobile money wallet.
Instant
Account typeMobile money
🇰🇪Kenya
Dominant mobile-money rail; bank interoperability via PesaLink & paybill.
PesaLink
🏦 Bank account / phone
Bank-to-bank instant.
Instant
Max / txnKES 999,999≈ $8k
Account typeBank account
🇰🇪Kenya
🇲🇽MXN2 rails
CoDi
🏦 CLABE (18-digit)
Banxico QR / request-to-pay overlay on SPEI.
Instant
Account typeBank account
🇲🇽Mexico
SPEI
🏦 CLABE (18-digit)
Banxico interbank electronic payments.
Instant
Max / txnNo limit
Account typeBank account
🇲🇽Mexico
🇲🇾MYR2 rails
DuitNow
🏦 Proxy: mobile / NRIC / Business ID → account
Real-time retail payments.
Instant
Max / txnBank-set
Account typeBank account
🇲🇾Malaysia
Interbank GIRO (IBG)
🏦 Account no.
PayNet batch credit transfers.
ACH · batch
Account typeBank account
🇲🇾Malaysia
🇳🇬NGN2 rails
NIP
🏦 NUBAN (10-digit) + Bank code
NIBSS Instant Payments.
Instant
Max / txnBank-set
Account typeBank account
🇳🇬Nigeria
NEFT (NG)
🏦 NUBAN (10-digit)
NIBSS Electronic Funds Transfer.
ACH · batch
Account typeBank account
🇳🇬Nigeria
🇳🇴NOK2 rails
Norwegian Straksbetaling
🏦 IBAN
Instant payments.
Instant
Account typeBank account
🇳🇴Norway
VippsWallet
🏦 Proxy: mobile → account
Norwegian mobile wallet (Vipps MobilePay).
Instant
Max / txnBank-set
Account typeWallet / Proxy
🇳🇴Norway
🇵🇰PKR2 rails
Easypaisa
🏦 Mobile no. / IBAN
Pakistani mobile wallet & digital bank.
Instant
Account typeMobile money
🇵🇰Pakistan
JazzCash
🏦 Mobile no. / IBAN
Pakistani mobile wallet.
Instant
Account typeMobile money
🇵🇰Pakistan
🇶🇦QAR2 rails
Fawran
🏦 IBAN
Qatar Central Bank instant payments.
Instant
Account typeBank account
🇶🇦Qatar
QATCH
🏦 IBAN
Qatar Automated Cheque/Clearing House — batch credit transfers.
ACH · batch
Account typeBank account
🇶🇦Qatar
🇷🇼RWF2 rails
eKash
🏦 Mobile no. / Bank account
RSwitch / BNR interoperable instant payments (2022).
Instant
Account typeBank account / Mobile
🇷🇼Rwanda
MTN MoMo (Rwanda)
🏦 Mobile no. / Bank account
Telco mobile money wallet.
Instant
Account typeMobile money
🇷🇼Rwanda
🇸🇦SAR2 rails
sarie Instant (IPS)
🏦 IBAN
Saudi Payments instant payment system.
Instant
Max / txnSAR 20,000≈ $5k
Account typeBank account
🇸🇦Saudi Arabia
mada
🏦 IBAN
Saudi domestic debit-card & POS/ATM network (Saudi Payments).
Card network
Account typeCard / Bank account
🇸🇦Saudi Arabia
Saudi domestic scheme
🇸🇪SEK2 rails
SwishWallet
🏦 IBAN / Clearing + Account
Mobile real-time P2P (bank-account backed).
Instant
Account typeWallet / Proxy
🇸🇪Sweden
Bankgirot
🏦 Bankgiro no. / IBAN
Clearing for credit transfers.
ACH · batch
Account typeBank account
🇸🇪Sweden
🇹🇭THB2 rails
PromptPay
🏦 Proxy: Citizen ID / mobile → account
Proxy-based instant payments.
Instant
Max / txnBank-set
Account typeBank account
🇹🇭Thailand
Bulk Payment (ITMX)
🏦 Bank account no.
NITMX media clearing — batch interbank credit transfers.
ACH · batch
Account typeBank account
🇹🇭Thailand
🇨🇲XAF2 rails
GIMACPAY
🏦 RIB / IBAN (BEAC)
GIMAC instant interoperable payments.
Instant
Account typeBank account / Mobile / Wallet
🇨🇲Cameroon🇬🇦Gabon🇹🇩Chad🇨🇬Congo (Brazzaville)
CEMAC
Interoperable across banks, e-money and mobile money in CEMAC.
SICA-CEMAC
🏦 RIB / IBAN (BEAC)
BEAC regional retail clearing.
ACH · batch
Account typeBank account
🇨🇲Cameroon🇬🇦Gabon🇹🇩Chad🇨🇬Congo (Brazzaville)
CEMAC
🇿🇲ZMW2 rails
NFS
🏦 Account no. / Mobile
National Financial Switch — interoperable retail switch (Zambia).
Instant
Account typeBank account / Mobile
🇿🇲Zambia
ZIPIT
🏦 Account no. / Mobile
Zambian Interbank instant fund transfer.
Instant
Account typeBank account
🇿🇲Zambia
🇦🇷ARS1 rail
Transferencias 3.0
🏦 CBU / CVU / alias
BCRA interoperable instant transfers & QR (2020).
Instant
Account typeBank account / Wallet
🇦🇷Argentina
🇧🇭BHD1 rail
Fawri+ / Fawri
🏦 IBAN
BenefitPay instant & near-real-time transfers.
Instant
Account typeBank account
🇧🇭Bahrain
🇨🇱CLP1 rail
TEF (Chile)
🏦 RUT + Account no.
Near-instant electronic transfers (CCA-operated).
Instant
Account typeRUT + Account no.
🇨🇱Chile
🇨🇳CNY1 rail
IBPS
🏦 Bank account no. (CNAPS)
Internet Banking Payment System.
Instant
Account typeBank account
🇨🇳China
🇪🇹ETB1 rail
EthioPay
🏦 Account no.
EthSwitch national instant payment system (EthioPay-IPS).
Instant
Account typeBank account / Wallet
🇪🇹Ethiopia
Connects 32 banks, MFIs & wallets; ETHQR and alias-based payments.
🇭🇰HKD1 rail
FPS (HK)
🏦 Proxy: mobile / email / FPS ID → account
Faster Payment System (HKD & CNY).
Instant
Max / txnBank-set
Account typeBank account
🇭🇰Hong Kong
🇯🇵JPY1 rail
Zengin
🏦 Bank/Branch code + Account no.
Domestic retail credit transfers.
ACH · batch
Account typeBank account
🇯🇵Japan
🇰🇼KWD1 rail
KASSIP
🏦 IBAN
Kuwait's instant payment system.
Instant
Account typeBank account
🇰🇼Kuwait
🇴🇲OMR1 rail
mpClear (Oman)
🏦 IBAN
Oman's automated clearing house for retail credit transfers & direct debit.
ACH · batch
Account typeBank account
🇴🇲Oman
🇹🇷TRY1 rail
FAST (TR)
🏦 IBAN
Instant & Continuous Transfer of Funds.
Instant
Account typeBank account
🇹🇷Turkey
🇻🇳VND1 rail
NAPAS 247
🏦 Bank account no.
Vietnam real-time retail transfers.
Instant
Account typeBank account
🇻🇳Vietnam
SolideFinance · Payment rails reference — internal use onlysolide.fi · hello@solide.fi