Payments Direct supports payouts to the following North American countries.
| Country | ISO code | Payout currency | B2B | B2C | B2B2B | B2B2C | C2B2B | C2B2C |
|---|---|---|---|---|---|---|---|---|
| Canada | CA | CAD | ✅ | ✅ | ✅ | ✅ | ⛔ | ⛔ |
| United States | US | USD | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ |
B2B - Business to business
B2C - Business to consumer
B2B2B - Payments to a business on behalf of a business
B2B2C - Payments to an individual on behalf of a business
C2B2B - Payments to a business on behalf of an individual
C2B2C - Payments to an individual on behalf of an individual
The USD corridor supports multiple payment rails with different limits and processing speeds.
| Payment rail | Max per transaction | Min per transaction | Compliance daily limit | Notes | Cutoff time | Processing |
|---|---|---|---|---|---|---|
| ACH | USD 1,000,000 | USD 1 | No limit | 15:00 ET | Mon–Fri, excl. banking holidays | |
| RTP | USD 5,000,000 | USD 1 | USD 20,000,000 | Monthly limit: USD 100,000,000 | None / real-time | 24/7 |
| Fedwire | No limit | USD 1 | No limit | For high-value transfers | 16:00 CT | Mon–Fri, excl. banking holidays |
ACH and RTP are both delivered through the single US_ACH financial instrument. RTP is used when the beneficiary's routing number is RTP-enabled; otherwise the payment automatically falls back to ACH. You don't select ACH or RTP directly — routing is automatic based on the beneficiary bank's capabilities. Fedwire is a separate instrument (US_FEDWIRE) for high-value transfers.
| Payment rail | Max per transaction | Min per transaction | Compliance daily limit | Cutoff time | Processing |
|---|---|---|---|---|---|
| EFT | CAD 600,000 | CAD 1 | CAD 3,000,000 | 16:00 ET | Mon–Fri, excl. banking holidays |