SWI
Payment rail · T+0 to T+2

SWIFT

The global correspondent-banking messaging network for cross-border wires.

Speed
T+0 to T+2
Currency
USD
Countries
Global
API method
swift
Route via SWIFT SWIFT API documentation View all rails

SWIFT is a t+0 to t+2 payment rail routed by KeyBS Pay. The global correspondent-banking messaging network for cross-border wires.

SWIFT is a global cross-border rail used for payments that fall outside eligible domestic real-time networks.

Every SWIFT payout is subject to KYB, KYC and sanctions screening. Pricing is disclosed in full before approval; failed payouts return a signed webhook event with a machine-readable reason code and remain refundable per program policy.

Corridor data

Corridor mechanics at a glance

Every KeyBS Pay payout follows the same operational contract; only the rail changes.

Rail name
SWIFT
Speed
T+0 to T+2
Primary currency
USD
Coverage
Global cross-border rail via licensed correspondent partners
API method
Route selection is automatic; force via method="swift" where policy requires
Compliance
KYB · KYC · Sanctions screening · Route through licensed partners only
Idempotency
Every payout carries an Idempotency-Key; retries after transient errors are safe
Payment flow

How a SWIFT payout moves through KeyBS Pay

SWIFT settles in t+0 to t+2 on eligible USD destinations.

Compliance screening
Every payout is screened against OFAC, UN, EU and UK HMT lists plus PEP databases and adverse-media feeds. Enhanced due diligence triggers on higher-value transactions, unusual patterns or elevated-risk destinations.
Popular searches

Popular SWIFT searches

Auto-generated from real query patterns across the KeyBS Pay hub.

SWIFT explainedSWIFT APISWIFT settlement timeSWIFT limitsSWIFT trade paymentsSWIFT payrollSWIFT sandboxSWIFT guides
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What is the SWIFT rail?Which countries use SWIFT?How fast is SWIFT settlement?What are SWIFT transaction limits?How do I integrate the SWIFT API?
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Industries

SWIFT by industry

Marketplace payouts
Pay sellers, gig workers and marketplace hosts across 190+ countries.
Global payroll
Pay contractors and remote employees in local currency, on time.
Cross-border trade
Supplier payments and trade settlement with invoice-level compliance.
NGO and aid disbursement
Disburse funds to beneficiaries and partners in high-risk corridors safely.
Insurance claim payouts
Real-time claim disbursement to policyholders.
Gaming and igaming payouts
Winnings, tournament prizes and creator payouts on eligible rails.
Affiliate and rev-share payouts
Weekly / monthly affiliate settlement across 190+ countries.
Creator economy payouts
Pay creators, editors and freelancers on demand.
Developers

SWIFT developer resources

SWIFT API reference
Request / response / webhooks
Full KeyBS Pay developer docs
Global reference
Request sandbox key
sk_test_…
Compare

KeyBS Pay SWIFT vs alternatives

vs Wise
Consumer-scale mid-market FX
vs Payoneer
Marketplace payouts and receiving
vs Remitly
Consumer remittance
vs WorldRemit
Consumer remittance
vs Western Union
Cash-pickup remittance and correspondent banking
vs MoneyGram
Consumer remittance and cash pickup
FAQ

Frequently asked questions

What is SWIFT?

The global correspondent-banking messaging network for cross-border wires.

How fast is SWIFT?

T+0 to T+2. Actual settlement time is disclosed pre-approval and confirmed by signed webhook once the beneficiary bank acknowledges the credit.

Which countries can I reach through SWIFT?

SWIFT is a global rail routed through licensed correspondent partners.

What currencies are supported on SWIFT?

USD is the primary settlement currency for SWIFT. Multi-currency corridors are supported where the rail permits.

What limits apply on SWIFT?

Rail-specific ceilings apply; the platform surfaces them pre-approval. Higher-value transactions are automatically routed to wire.

Is SWIFT available 24/7?

Real-time rails (others) operate around the clock. Batch and wire rails follow the local banking window.

How do I integrate SWIFT?

You don’t. KeyBS Pay abstracts rail selection: submit a payout to POST /v1/payouts and the router picks the fastest eligible rail. Use "method": "auto" (default) or force a specific method where policy requires.

Is SWIFT regulated?

Yes. KeyBS Pay routes SWIFT payouts only through partners licensed for the destination corridor.

Can I get a SWIFT settlement report?

Yes. Per-rail, per-corridor reconciliation reports are available in the dashboard and via API export.

What happens if a SWIFT payout fails?

Failed payouts return a signed webhook event with a machine-readable reason code. Funds remain in the source ledger and can be re-routed or refunded.

How is pricing set for SWIFT?

Quote-based, disclosed in full pre-approval. No undisclosed intermediary-bank deductions on eligible local rails.

Can I use SWIFT for consumer payouts?

Yes, where the beneficiary and route policy permit consumer flows. Stablecoin routes are business-only.

Are there cutoffs on SWIFT?

Real-time rails have no cutoffs. Batch and wire rails follow local banking-day windows; cutoffs are shown at quote time.

Does SWIFT support idempotent retries?

Yes. Every KeyBS Pay payout carries an Idempotency-Key so retries after transient errors are safe.

Which industries use SWIFT most?

Marketplaces, cross-border trade, workforce and NGO programs are the largest users of SWIFT on the KeyBS Pay platform.

Ready when you are

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