Currencies and Rails

MoonPay Enterprise routes fiat payments across several banking partners behind one API. If a banking partner cannot process a payment for a specific customer or industry, MoonPay Enterprise falls back to another. Redundancy is built in, so you never integrate a second banking provider. For the coverage snapshot and the wider product set, see Rails & Capabilities. This page carries the per-rail detail: delivery speeds, availability, virtual account identifiers, and bank cutoff windows.

Supported Currencies

These currencies support both onramp (fiat to crypto) and offramp (crypto to fiat) for Business-to-Business (B2B), Business-to-Individual (B2C), and Individual-to-Individual (I2I) transactions. Coverage snapshot: September 2026. October 2026 launches are planned.

Currency	Rails	Settlement	Status
USD	ACH, Wire, FedNow, SWIFT	T+0 / T+1 (SWIFT)	Live
EUR	SEPA Instant, SEPA Credit	Real-time	Live
GBP	Faster Payments, CHAPS	Real-time	Live
BRL	PIX	Real-time	Live
MXN	SPEI	Real-time	Planned: Oct 2026
ARS	Local bank transfer	Real-time	Planned: Oct 2026
COP	Local bank transfer	Real-time	Planned: Oct 2026

Payment Rails

Rail	Description	Availability
SEPA (Instant)	Instant EEA transactions sub €100k	✅
SEPA (Credit)	Usually 24 hours for transactions greater than €100k	✅
ACH	Common for domestic transfers within the US	✅
Wire	Common for domestic transfers within the US	✅
FedNow	Instant 24/7 domestic transfers within the US	✅
CHAPS	Common for domestic transfers within the UK	✅
FPS	Common for domestic transfers within the UK	✅
PIX	Instant domestic transfers within Brazil	✅
SPEI	Domestic transfers within Mexico	Planned: Oct 2026
SWIFT Inbound	SWIFT Network payment from an external bank into the Virtual Account	✅
SWIFT Outbound	SWIFT Network payment outwards to an external fiat bank account	✅ Business (individuals coming soon)

SWIFT is available in USD. Business customers can use SWIFT for deposits and payouts, for both first-party and third-party payments. Individual customers can receive both first-party and third-party SWIFT deposits. SWIFT payouts for individuals are coming soon.

Virtual Accounts

A virtual account is an FBO account at one of our banking partners, in the name of the customer.

Identifier	Description	Availability
vIBAN	EU IBAN enabling localized payments as if using a traditional bank account.	✅
AN	US account and routing number for receiving domestic USD payments. USD virtual accounts also include SWIFT details for international deposits.	✅
Sort code + account number	UK sort code and account number for receiving domestic GBP payments via CHAPS and FPS.	✅

Availability to Retail and Business customers depends on the customer’s region.

Region	USD Virtual Account	EUR Virtual Account	GBP Virtual Account
USA	Retail + Business	Retail + Business	Retail + Business
Rest of World	Retail + Business	Retail + Business	Retail + Business
EU	Business only	Retail + Business	Retail + Business
UK	Business only	Retail + Business	Retail + Business

Virtual Accounts serve as payment target addresses and are not intended for holding funds permanently. These accounts work for first-party payment and third-party payment. US virtual accounts are available in every state except Missouri.

Bank Cutoff Windows

Bank	Rail	Cutoff Time	Notes
Lead Bank	Same-Day ACH	Mon-Fri, 10:30 AM / 2:45 PM / 4:45 PM ET	Three daily windows aligned with FedACH. Submissions after cutoff are queued for the next window.
Lead Bank	Wire (FedWire)	Mon-Fri, 4:00 PM CT	Wires submitted after cutoff are processed the next business day. FedWire operates 8:00 PM CT (prior day) to 6:00 PM CT.
Lead Bank	FedNow	No cutoff	FedNow settles in real time, 24 hours a day, including weekends and holidays. There is no submission window to miss.
Lead Bank	SWIFT	No cutoff	No submission cutoff. Delivery depends on the destination corridor and the correspondent bank.
Erebor	ACH	Mon-Fri, 3:30 PM ET	Outgoing ACH submitted after 3:30 PM ET is sent the next business day. Incoming ACH is processed several times each business day.
Erebor	Wire (domestic)	Mon-Fri, 6:00 PM ET	Wires are sent and received 9:00 AM to 6:00 PM ET. Wires received after 6:00 PM ET, or on a weekend or holiday, are processed the next business day.
Erebor	SWIFT	Mon-Fri, mid-afternoon ET	The submission window opens at 9:00 PM ET the prior evening. The exact cutoff depends on the destination currency and corridor. Wires are processed up to 6:15 PM ET, but an afternoon submission can reach the beneficiary the next business day.

ACH Processing Windows

The tables below show the underlying FedACH network processing windows. Your actual submission deadline depends on your banking partner: see Bank Cutoff Windows above for Lead Bank and Erebor specific cutoffs. Same-Day and Standard (Next-Day) ACH each run through several daily submission windows. Submissions after the last window for a given day, or on a weekend or holiday, queue for the next available window. All times are Eastern Time (ET). Same-Day ACH

Cutoff	Settlement Time
10:00 AM ET	1:00 PM ET (same business day)
2:15 PM ET	5:00 PM ET (same business day)
3:00 PM ET	6:00 PM ET (same business day)

Standard (Next-Day) ACH

Cutoff	Settlement Time
10:00 AM ET	8:30 AM ET (next business day)
2:15 PM ET	8:30 AM ET (next business day)
4:15 PM ET	8:30 AM ET (next business day)
7:30 PM ET	8:30 AM ET (next business day)
10:15 PM ET	8:30 AM ET (next business day)
11:00 PM ET	8:30 AM ET (next business day)

To register a payout destination for any of these rails, see Fiat Addresses. For end-to-end timing of a transaction, see Transaction Status.

Getting Started

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Coverage

Support

Supported Currencies

Payment Rails

Virtual Accounts

Bank Cutoff Windows

ACH Processing Windows

​Supported Currencies

​Payment Rails

​Virtual Accounts

​Bank Cutoff Windows

​ACH Processing Windows

Supported Currencies

Payment Rails

Virtual Accounts

Bank Cutoff Windows

ACH Processing Windows