> ## Documentation Index > Fetch the complete documentation index at: https://dev.enterprise.moonpay.com/llms.txt > Use this file to discover all available pages before exploring further. # Currencies and Rails > Supported fiat currencies, the payment rails that move them, virtual accounts, and bank cutoff windows. Several banking partners in the background provide redundancy and fallback. 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](/rails-and-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 / T+1 (SEPA Credit) | 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 โ‚ฌ100k | โœ… | | **SEPA (Credit)** | Usually 24 hours for transactions greater than โ‚ฌ100k | โœ… | | **ACH** | Common for domestic transfers within the US | โœ… | | **Wire** | Common for domestic transfers within the US | โœ… | | **FedNow** | Instant 24/7 domestic transfers within the US | โœ… | | **CHAPS** | Common for domestic transfers within the UK | โœ… | | **FPS** | Common for domestic transfers within the UK | โœ… | | **PIX** | Instant domestic transfers within Brazil | โœ… | | **SPEI** | Domestic transfers within Mexico | Planned: Oct 2026 | | **SWIFT Inbound** | SWIFT Network payment from an external bank into the Virtual Account | โœ… | | **SWIFT Outbound** | SWIFT Network payment outwards to an external fiat bank account | โœ… | SWIFT is available in USD. Business and individual customers can use SWIFT for deposits and payouts, for both first-party and third-party payments. ## Collect / Send via SWIFT SWIFT country coverage for USD depends on who pays the transfer charges. With **OUR**, the sender pays all charges. With **SHA**, the sender and the beneficiary share the charges. Expand a row to see the countries it covers. | **Flow** | **USD** | | - | - | | **Businesses** ยท Collect ยท OUR |
46 countriesAustralia ยท Austria ยท Bahamas ยท Bahrain ยท Belgium ยท Bermuda ยท Brazil ยท Canada ยท Cayman Islands ยท Croatia ยท Cyprus ยท Czech Republic (Czechia) ยท Denmark ยท Estonia ยท Finland ยท France ยท Germany ยท Greece ยท Hong Kong ยท Hungary ยท Ireland ยท Israel ยท Italy ยท Latvia ยท Liechtenstein ยท Lithuania ยท Luxembourg ยท Malta ยท Mexico ยท Netherlands ยท Norway ยท Philippines ยท Poland ยท Portugal ยท Romania ยท San Marino ยท Serbia ยท Singapore ยท Slovakia ยท Slovenia ยท South Korea ยท Spain ยท Sweden ยท Switzerland ยท United Arab Emirates ยท United Kingdom
| | **Businesses** ยท Collect ยท SHA |
148 countriesAmerican Samoa ยท Andorra ยท Angola ยท Anguilla ยท Antigua and Barbuda ยท Argentina ยท Armenia ยท Aruba ยท Australia ยท Austria ยท Azerbaijan ยท Bahamas ยท Bahrain ยท Belgium ยท Belize ยท Benin ยท Bermuda ยท Bolivia ยท Brazil ยท Brunei Darussalam ยท Bulgaria ยท Canada ยท Cape Verde ยท Cayman Islands ยท Chad ยท Chile ยท Colombia ยท Comoros ยท Cook Island ยท Costa Rica ยท Cote D'Ivoire ยท Croatia ยท Curacao ยท Cyprus ยท Czech Republic ยท Denmark ยท Djibouti ยท Dominica ยท Dominican Republic ยท Ecuador ยท Egypt ยท El Salvador ยท Equatorial Guinea ยท Estonia ยท Eswatini ยท Faroe islands ยท Fiji ยท Finland ยท France ยท Gabon ยท Georgia ยท Germany ยท Ghana ยท Gibraltar ยท Greece ยท Guam ยท Guatemala ยท Guernsey ยท Guyana ยท Honduras ยท Hong Kong SAR, China ยท Hungary ยท Iceland ยท India ยท Indonesia ยท Ireland ยท Isle of Man ยท Israel ยท Italy ยท Japan ยท Jersey ยท Kazakhstan ยท Kiribati ยท Korea, South ยท Kyrgyzstan ยท Laos ยท Latvia ยท Lesotho ยท Liechtenstein ยท Lithuania ยท Luxembourg ยท Macao SAR, China ยท Malawi ยท Malaysia ยท Maldives ยท Malta ยท Marshall Islands ยท Martinique ยท Mauritania ยท Mauritius ยท Mexico ยท Moldova ยท Monaco ยท Mongolia ยท Montenegro ยท Montserrat ยท Namibia ยท Nauru ยท Netherlands ยท New Caledonia ยท New Zealand ยท Niue ยท Norway ยท Oman ยท Palau ยท Panama ยท Papua New Guinea ยท Paraguay ยท Peru ยท Philippines ยท Poland ยท Portugal ยท Puerto Rico ยท Romania ยท Rwanda ยท Saint Helena, Ascension and Tristan ยท Saint Kitts and Nevis ยท Saint Lucia ยท Saint Pierre and Miquelon ยท Saint Vincent and the Grenadines ยท Samoa ยท San Marino ยท Sao Tome and Principe ยท Saudi Arabia ยท Serbia ยท Sierra Leone ยท Singapore ยท Slovakia ยท Slovenia ยท Spain ยท Sri Lanka ยท St Maarten ยท Sweden ยท Switzerland ยท Taiwan ยท Tajikistan ยท Thailand ยท TimorLeste ยท Tunisia ยท Turkmenistan ยท United Arab Emirates ยท United Kingdom ยท United States ยท United States Virgin Islands ยท Uruguay ยท Uzbekistan ยท Virgin Islands British ยท Zambia
| | **Businesses** ยท Send ยท OUR |
46 countriesAustralia ยท Austria ยท Bahamas ยท Bahrain ยท Belgium ยท Bermuda ยท Brazil ยท Canada ยท Cayman Islands ยท Croatia ยท Cyprus ยท Czech Republic (Czechia) ยท Denmark ยท Estonia ยท Finland ยท France ยท Germany ยท Greece ยท Hong Kong ยท Hungary ยท Ireland ยท Israel ยท Italy ยท Latvia ยท Liechtenstein ยท Lithuania ยท Luxembourg ยท Malta ยท Mexico ยท Netherlands ยท Norway ยท Philippines ยท Poland ยท Portugal ยท Romania ยท San Marino ยท Serbia ยท Singapore ยท Slovakia ยท Slovenia ยท South Korea ยท Spain ยท Sweden ยท Switzerland ยท United Arab Emirates ยท United Kingdom
| | **Businesses** ยท Send ยท SHA |
148 countriesAmerican Samoa ยท Andorra ยท Angola ยท Anguilla ยท Antigua and Barbuda ยท Argentina ยท Armenia ยท Aruba ยท Australia ยท Austria ยท Azerbaijan ยท Bahamas ยท Bahrain ยท Belgium ยท Belize ยท Benin ยท Bermuda ยท Bolivia ยท Brazil ยท Brunei Darussalam ยท Bulgaria ยท Canada ยท Cape Verde ยท Cayman Islands ยท Chad ยท Chile ยท Colombia ยท Comoros ยท Cook Island ยท Costa Rica ยท Cote D'Ivoire ยท Croatia ยท Curacao ยท Cyprus ยท Czech Republic ยท Denmark ยท Djibouti ยท Dominica ยท Dominican Republic ยท Ecuador ยท Egypt ยท El Salvador ยท Equatorial Guinea ยท Estonia ยท Eswatini ยท Faroe islands ยท Fiji ยท Finland ยท France ยท Gabon ยท Georgia ยท Germany ยท Ghana ยท Gibraltar ยท Greece ยท Guam ยท Guatemala ยท Guernsey ยท Guyana ยท Honduras ยท Hong Kong SAR, China ยท Hungary ยท Iceland ยท India ยท Indonesia ยท Ireland ยท Isle of Man ยท Israel ยท Italy ยท Japan ยท Jersey ยท Kazakhstan ยท Kiribati ยท Korea, South ยท Kyrgyzstan ยท Laos ยท Latvia ยท Lesotho ยท Liechtenstein ยท Lithuania ยท Luxembourg ยท Macao SAR, China ยท Malawi ยท Malaysia ยท Maldives ยท Malta ยท Marshall Islands ยท Martinique ยท Mauritania ยท Mauritius ยท Mexico ยท Moldova ยท Monaco ยท Mongolia ยท Montenegro ยท Montserrat ยท Namibia ยท Nauru ยท Netherlands ยท New Caledonia ยท New Zealand ยท Niue ยท Norway ยท Oman ยท Palau ยท Panama ยท Papua New Guinea ยท Paraguay ยท Peru ยท Philippines ยท Poland ยท Portugal ยท Puerto Rico ยท Romania ยท Rwanda ยท Saint Helena, Ascension and Tristan ยท Saint Kitts and Nevis ยท Saint Lucia ยท Saint Pierre and Miquelon ยท Saint Vincent and the Grenadines ยท Samoa ยท San Marino ยท Sao Tome and Principe ยท Saudi Arabia ยท Serbia ยท Sierra Leone ยท Singapore ยท Slovakia ยท Slovenia ยท Spain ยท Sri Lanka ยท St Maarten ยท Sweden ยท Switzerland ยท Taiwan ยท Tajikistan ยท Thailand ยท TimorLeste ยท Tunisia ยท Turkmenistan ยท United Arab Emirates ยท United Kingdom ยท United States ยท United States Virgin Islands ยท Uruguay ยท Uzbekistan ยท Virgin Islands British ยท Zambia
| | **Individuals** ยท Collect ยท OUR |
46 countriesAustralia ยท Austria ยท Bahamas ยท Bahrain ยท Belgium ยท Bermuda ยท Brazil ยท Canada ยท Cayman Islands ยท Croatia ยท Cyprus ยท Czech Republic (Czechia) ยท Denmark ยท Estonia ยท Finland ยท France ยท Germany ยท Greece ยท Hong Kong ยท Hungary ยท Ireland ยท Israel ยท Italy ยท Latvia ยท Liechtenstein ยท Lithuania ยท Luxembourg ยท Malta ยท Mexico ยท Netherlands ยท Norway ยท Philippines ยท Poland ยท Portugal ยท Romania ยท San Marino ยท Serbia ยท Singapore ยท Slovakia ยท Slovenia ยท South Korea ยท Spain ยท Sweden ยท Switzerland ยท United Arab Emirates ยท United Kingdom
| | **Individuals** ยท Collect ยท SHA |
148 countriesAmerican Samoa ยท Andorra ยท Angola ยท Anguilla ยท Antigua and Barbuda ยท Argentina ยท Armenia ยท Aruba ยท Australia ยท Austria ยท Azerbaijan ยท Bahamas ยท Bahrain ยท Belgium ยท Belize ยท Benin ยท Bermuda ยท Bolivia ยท Brazil ยท Brunei Darussalam ยท Bulgaria ยท Canada ยท Cape Verde ยท Cayman Islands ยท Chad ยท Chile ยท Colombia ยท Comoros ยท Cook Island ยท Costa Rica ยท Cote D'Ivoire ยท Croatia ยท Curacao ยท Cyprus ยท Czech Republic ยท Denmark ยท Djibouti ยท Dominica ยท Dominican Republic ยท Ecuador ยท Egypt ยท El Salvador ยท Equatorial Guinea ยท Estonia ยท Eswatini ยท Faroe islands ยท Fiji ยท Finland ยท France ยท Gabon ยท Georgia ยท Germany ยท Ghana ยท Gibraltar ยท Greece ยท Guam ยท Guatemala ยท Guernsey ยท Guyana ยท Honduras ยท Hong Kong SAR, China ยท Hungary ยท Iceland ยท India ยท Indonesia ยท Ireland ยท Isle of Man ยท Israel ยท Italy ยท Japan ยท Jersey ยท Kazakhstan ยท Kiribati ยท Korea, South ยท Kyrgyzstan ยท Laos ยท Latvia ยท Lesotho ยท Liechtenstein ยท Lithuania ยท Luxembourg ยท Macao SAR, China ยท Malawi ยท Malaysia ยท Maldives ยท Malta ยท Marshall Islands ยท Martinique ยท Mauritania ยท Mauritius ยท Mexico ยท Moldova ยท Monaco ยท Mongolia ยท Montenegro ยท Montserrat ยท Namibia ยท Nauru ยท Netherlands ยท New Caledonia ยท New Zealand ยท Niue ยท Norway ยท Oman ยท Palau ยท Panama ยท Papua New Guinea ยท Paraguay ยท Peru ยท Philippines ยท Poland ยท Portugal ยท Puerto Rico ยท Romania ยท Rwanda ยท Saint Helena, Ascension and Tristan ยท Saint Kitts and Nevis ยท Saint Lucia ยท Saint Pierre and Miquelon ยท Saint Vincent and the Grenadines ยท Samoa ยท San Marino ยท Sao Tome and Principe ยท Saudi Arabia ยท Serbia ยท Sierra Leone ยท Singapore ยท Slovakia ยท Slovenia ยท Spain ยท Sri Lanka ยท St Maarten ยท Sweden ยท Switzerland ยท Taiwan ยท Tajikistan ยท Thailand ยท TimorLeste ยท Tunisia ยท Turkmenistan ยท United Arab Emirates ยท United Kingdom ยท United States ยท United States Virgin Islands ยท Uruguay ยท Uzbekistan ยท Virgin Islands British ยท Zambia
| | **Individuals** ยท Send ยท OUR |
46 countriesAustralia ยท Austria ยท Bahamas ยท Bahrain ยท Belgium ยท Bermuda ยท Brazil ยท Canada ยท Cayman Islands ยท Croatia ยท Cyprus ยท Czech Republic (Czechia) ยท Denmark ยท Estonia ยท Finland ยท France ยท Germany ยท Greece ยท Hong Kong ยท Hungary ยท Ireland ยท Israel ยท Italy ยท Latvia ยท Liechtenstein ยท Lithuania ยท Luxembourg ยท Malta ยท Mexico ยท Netherlands ยท Norway ยท Philippines ยท Poland ยท Portugal ยท Romania ยท San Marino ยท Serbia ยท Singapore ยท Slovakia ยท Slovenia ยท South Korea ยท Spain ยท Sweden ยท Switzerland ยท United Arab Emirates ยท United Kingdom
| | **Individuals** ยท Send ยท SHA | Not available | ## Virtual Accounts A virtual account is an FBO account at one of MoonPay Enterprise's banking partners, in the name of the customer. | **Identifier** | **Description** | **Availability** | | - | - | - | | **vIBAN** | EU IBAN enabling localized payments as if using a traditional bank account. | โœ… | | **AN** | US account and routing number for receiving domestic USD payments. USD virtual accounts also include SWIFT details for international deposits. | โœ… | | **Sort code + account number** | UK sort code and account number for receiving domestic GBP payments via CHAPS and FPS. | โœ… | 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, 10:00 AM / 2:15 PM / 3:00 PM ET | Three daily windows, each ahead of the matching FedACH deadline. Same-Day submissions after 3:00 PM ET go out as Standard (Next-Day) ACH. | | **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 Lead Bank ACH submission windows. The FedACH network deadlines are later (10:30 AM, 2:45 PM, and 4:45 PM ET for Same-Day ACH) because the bank needs time to assemble and transmit its file. For Erebor, see [Bank Cutoff Windows](#bank-cutoff-windows) above. 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](/fiat-addresses). For end-to-end timing of a transaction, see [Transaction Status](/transaction-status).