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

Currencies

Countries

Consumer wallets

Mobile money

Off

Hide wallets

🇪🇺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

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