Payment rails directory
63 documented rails across 42 markets, organised into 7 settlement families. Every rail profile lists the markets it serves and links to the corridors and calculators built on top of it.
Domestic instant rail
Settlement method profile →Real-time bank-to-bank credits over national instant payment systems.
GhIPSS bank transfer
Real-time on eligible banks
1 market
NIBSS Instant Payment (NIP)
Real-time, 24/7
1 market
PesaLink
Real-time
1 market
PayShap / RTC
Real-time
1 market
InstaPay
Real-time
1 market
TIPS
Real-time
1 market
RTP / FedNow
Real-time
1 market
Faster Payments
Real-time
1 market
Local AED transfer
Same-day; real-time on Aani
1 market
IMPS / UPI
Real-time
1 market
FAST / EFT
Real-time to same-day
1 market
SEPA transfer
Real-time to one business day
7 markets
Elixir / Express Elixir
Real-time to same-day
1 market
SIC transfer
Same-day; instant on eligible routes
1 market
EFT / Interac
Real-time to 1–2 business days
1 market
Pix
Real-time, 24/7
1 market
SPEI
Real-time
1 market
Zengin transfer
Same-day; real-time in core hours
1 market
Interbank transfer
Real-time
1 market
FPS
Real-time
1 market
FAST / PayNow
Real-time
1 market
NAPAS transfer
Real-time
1 market
PromptPay
Real-time
1 market
BI-FAST
Real-time
1 market
DuitNow
Real-time
1 market
NPP / PayID
Real-time
1 market
sarie instant
Real-time
1 market
Mobile money
Settlement method profile →Wallet delivery and funding via mobile money networks, interoperable with banks in most markets.
High-value RTGS
Settlement method profile →Irrevocable central-bank settlement for large tickets.
KEPSS RTGS
Same-day, banking hours
1 market
SAMOS RTGS
Same-day, banking hours
1 market
CBE RTGS
Same-day, banking hours
1 market
SRBM RTGS
Same-day, banking hours
1 market
Fedwire
Same-day, banking hours
1 market
CHAPS
Same-day, banking hours
1 market
NEFT / RTGS
Same-day; RTGS real-time in banking hours
1 market
TARGET2
Same-day, banking hours
1 market
Batch clearing (ACH-style)
Settlement method profile →Scheduled bulk credits for payroll and recurring runs.
International wire
Settlement method profile →Correspondent-chain wires where local rails are not available.
Stablecoin settlement
Settlement method profile →Documented, invoice-linked USDT settlement within a compliance-reviewed workflow, where eligible.
Domestic bank transfer
Settlement method profile →Standard interbank credits over each market’s domestic systems.
Interbank virement (GSIMT)
Same-day to next-day
1 market
EFT / UNISS
Same-day, banking hours
1 market
RIPPS
Same-day, banking hours
1 market
SICA / STAR-UEMOA
Same-day, banking hours
2 markets
SYSTAC / SYGMA
Same-day, banking hours
1 market
Local CNY transfer
Same-day on eligible routes
1 market
USD / EUR invoicing
1–2 business days
1 market
TED
Same-day, banking hours
1 market
CHATS
Same-day, banking hours
1 market
MEPS+
Same-day, banking hours
1 market
BAHTNET
Same-day, banking hours
1 market
RENTAS
Same-day, banking hours
1 market
Direct entry
1–2 business days
1 market
SARIE
Same-day, banking hours
1 market
Local QAR transfer
Same-day
1 market
Local KWD transfer
Same-day
1 market
Frequently asked questions
What is a payment rail?
A payment rail is the underlying system that actually moves money between accounts — for example a national instant payment system, an RTGS, an ACH-style batch network, a mobile money scheme or a correspondent-bank wire chain.
How are rails grouped here?
Every rail in the corridor dataset is classified into one of seven settlement families: domestic instant rails, mobile money, high-value RTGS, batch clearing, international wires, stablecoin settlement and standard domestic bank transfers.
Are the speeds shown guarantees?
No — speeds are indicative descriptions of how each rail is documented to operate. End-to-end timing on any business payment is route-dependent and confirmed per quote.
Explore the payments knowledge graph
Countries · 42
Market profiles: rails, regulators, documents and corridors
Currencies · 22
Currency profiles with every business FX pair
Payment Rails · 63
Domestic and cross-border rails, by settlement family
Providers · 37
Objective capability profiles for payment providers
Settlement Methods · 7
The seven settlement families behind every route
Central Banks & Regulators · 41
Who supervises payments in each market, and what they require
From reference data to an executable quote
This page is reference metadata — availability is route-dependent. A KeyBS Pay quote shows the committed rate, disclosed fee and exact receive amount before you approve anything.
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