# United States: USD

## Supported payment rails

| Rail | Description | Settlement | Limit |
|  --- | --- | --- | --- |
| `RTP` | Real-Time Payments. 24/7/365 availability. | Under 5 minutes | $5,000,000 |
| `ACH` | Automated Clearing House. Business days only. Cut-off 3:00 PM EST. | Same-day | $1,000,000 |
| `FEDWIRE` | Fedwire Funds Service. U.S. business days and operating hours. Cut-off 5:00 PM ET. | Real-time gross settlement | No limit |


Routing order between RTP and ACH: `RTP` is used when the beneficiary account is RTP-addressable and the amount is at or below $5,000,000; otherwise `ACH` applies. Use `US_FEDWIRE` as a separate financial instrument when Fedwire is required for high-value transfers.

For details on rail selection, see [Payment rail reference](/products/payments-direct-2/api-docs/integration-resources/payment-rail-reference).

## Identity address field constraints (USD-specific)

The payout partner enforces stricter formatting on identity address fields than the base identity schema requires. Values that pass identity creation may still cause payment failures if the format does not match.

| Field  | Constraint  |
|  --- | --- |
| `address.stateOrProvince` | Use the 2-letter USPS state abbreviation (for example, `NY`, `CA`, `TX`). Full state names such as `New York` are not accepted. For Puerto Rico, use `Puerto Rico` (not `PR`). Pattern: `^[A-Za-z]{2,25}$` |


These constraints apply to all identity address fields used in USD payments (beneficiary and originator).

## Beneficiary identity

When creating a beneficiary identity for USD payments, provide the following fields. See [Create and manage identities](/products/payments-direct-2/api-docs/developer-guides/create-and-manage-identities) for the API workflow.

The required fields depend on whether the beneficiary is a **business** or an **individual**.

### Business beneficiary

Applies to **B2B**, **B2B2B**, and **C2B2B** use cases. Submit a `business` identity.

| Field  | Required | Type | Constraints  |
|  --- | --- | --- | --- |
| `businessName` | Required | STRING | 1–140 characters. |
| `address.streetAddress` | Required | ARRAY of STRING | Each item 1–70 characters. |
| `address.city` | Required | STRING | 1–140 characters. |
| `address.stateOrProvince` | Required | STRING | See [USD-specific constraints](#identity-address-field-constraints-usd-specific) above. |
| `address.postalCode` | Required | STRING | 3–15 characters. |
| `address.country` | Required | STRING | Two-letter ISO 3166-1 alpha-2 country code. |


### Individual beneficiary

Applies to **B2C**, **B2B2C**, and **C2B2C** use cases. Submit an `individual` identity.

| Field  | Required | Type | Constraints  |
|  --- | --- | --- | --- |
| `firstName` | Required | STRING | 1–140 characters. |
| `lastName` | Required | STRING | 1–140 characters. |
| `dateOfBirth` | Required for `US_ACH`; optional for `US_FEDWIRE` | DATE | ISO 8601 date (YYYY-MM-DD). |
| `address.streetAddress` | Required | ARRAY of STRING | Each item 1–70 characters. |
| `address.city` | Required | STRING | 1–140 characters. |
| `address.stateOrProvince` | Required | STRING | See [USD-specific constraints](#identity-address-field-constraints-usd-specific) above. |
| `address.postalCode` | Required | STRING | 3–15 characters. |
| `address.country` | Required | STRING | Two-letter ISO 3166-1 alpha-2 country code. |


## Beneficiary financial instrument

When creating a financial instrument for USD payouts, set `currency: USD` and select the financial instrument type based on the rail. See [Create and manage financial instruments](/products/payments-direct-2/api-docs/developer-guides/create-and-manage-financial-instruments) for the API workflow.

### ACH and RTP

Set `financialInstrumentType: US_ACH`. The system selects between RTP and ACH at payment time based on the routing order. Provide the following fields in the `usAch` payment rail object.

| Field  | Required | Type | Constraints  |
|  --- | --- | --- | --- |
| `bankName` | Required | STRING | 2–140 characters. |
| `bankRoutingNumber` | Required | STRING | Exactly 9 digits (ABA Routing Transit Number). |
| `accountNumber` | Required | STRING | 4–21 digits. |
| `accountType` | Required | ENUM | One of: `CHECKING`, `SAVINGS`. |


### Fedwire

Set `financialInstrumentType: US_FEDWIRE`. Provide the following fields in the `usFedwire` payment rail object.

| Field  | Required | Type | Constraints  |
|  --- | --- | --- | --- |
| `bankName` | Required | STRING | 2–140 characters. |
| `bankRoutingNumber` | Required | STRING | Exactly 9 digits (ABA Routing Transit Number). |
| `accountNumber` | Required | STRING | 4–21 digits. |


## Originator identity

When creating an originator identity for USD payments, provide the following fields. The required fields depend on whether the originator is a **business** or an **individual**.

### Business originator

Applies to **B2B**, **B2B2B**, **B2B2C**, and **B2C** use cases. Submit a `business` identity.

| Field  | Required | Type | Constraints  |
|  --- | --- | --- | --- |
| `businessName` | Required | STRING | 1–140 characters. |
| `address.streetAddress` | Required | ARRAY of STRING | Each item 1–70 characters. |
| `address.city` | Required | STRING | 1–140 characters. |
| `address.stateOrProvince` | Required | STRING | See [USD-specific constraints](#identity-address-field-constraints-usd-specific) above. |
| `address.postalCode` | Required | STRING | 3–15 characters. |
| `address.country` | Required | STRING | Two-letter ISO 3166-1 alpha-2 country code. |


### Individual originator

Applies to **C2B2B** and **C2B2C** use cases. Submit an `individual` identity.

| Field  | Required | Type | Constraints  |
|  --- | --- | --- | --- |
| `firstName` | Required | STRING | 1–140 characters. |
| `lastName` | Required | STRING | 1–140 characters. |
| `address.streetAddress` | Required | ARRAY of STRING | Each item 1–70 characters. |
| `address.city` | Required | STRING | 1–140 characters. |
| `address.stateOrProvince` | Required | STRING | See [USD-specific constraints](#identity-address-field-constraints-usd-specific) above. |
| `address.postalCode` | Required | STRING | 3–15 characters. |
| `address.country` | Required | STRING | Two-letter ISO 3166-1 alpha-2 country code. |


## Transaction fields

When creating a payment, provide the following fields. See [Create a payment](/products/payments-direct-2/api-docs/developer-guides/create-a-payment) for the API workflow.

| Field  | Required | Type | Constraints  |
|  --- | --- | --- | --- |
| `purposeCode` | Required | ENUM | See [Purpose of payment codes](#purpose-of-payment-codes) below. |
| `paymentMemo` | Optional | STRING | 0–500 characters. Pattern: `^[\w #@!,.&()\/\\-]{0,500}$` |


### Purpose of payment codes

| Code | Description |
|  --- | --- |
| `ACCT` | Account management |
| `EDUC` | Education |
| `FAMI` | Family support related payments |
| `FEES` | Payment of fees |
| `GDDS` | Purchase or sale of goods |
| `INSU` | Insurance premium |
| `IVPT` | Invoice payment |
| `ROYA` | Royalties |
| `SALA` | Salary payment |
| `SAVG` | Savings |
| `SCVE` | Purchase or sale of services |
| `UBIL` | Utility bill payments |


## Verifying requirements for your scenario

For the exact fields required for your specific use case and payment rail, use the [Payload Schema Utility](/products/payments-direct-2/api-docs/integration-resources/payload-schema-utility).