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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.

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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.

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Payment Rails

SWIFT is available in USD. Business and individual customers can use SWIFT for deposits and payouts, for both first-party and third-party payments.

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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.

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Virtual Accounts

A virtual account is an FBO account at one of MoonPay Enterprise’s banking partners, in the name of the customer. Availability to Retail and Business customers depends on the customer’s region.
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.

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Bank Cutoff Windows

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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 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 Standard (Next-Day) ACH To register a payout destination for any of these rails, see Fiat Addresses. For end-to-end timing of a transaction, see Transaction Status.