Domestic instant rails settlement
Real-time bank-to-bank credits over national instant payment systems.
When to choose domestic instant rails
Choose instant rails when funds must be usable immediately — releasing goods held by a clearing agent, fixing a payroll shortfall, or paying a supplier who ships only on cleared funds. Because credits are final within seconds, pair speed with control: validate the beneficiary name before sending and confirm any change of account details through a known channel, never through the invoice that requested it.
Indicative timing
Real-time on eligible rails, around the clock
Documented rails
27 rails
Markets covered
33 markets
Rails in this family
Every documented rail classified under this settlement method.
Markets using this method
Model a payment
Learn the mechanics
Other settlement methods
Frequently asked questions
What is domestic instant rails?
Real-time bank-to-bank credits over national instant payment systems. The dataset documents 27 rails in this family across 33 markets.
How fast is domestic instant rails?
Indicative timing is "Real-time on eligible rails, around the clock". Timing describes how the family is documented to operate; end-to-end timing on any payment is route-dependent and confirmed per quote.
Which rails belong to this family?
GhIPSS bank transfer, NIBSS Instant Payment (NIP), PesaLink, PayShap / RTC, InstaPay, TIPS, RTP / FedNow, Faster Payments, Local AED transfer, IMPS / UPI, FAST / EFT, SEPA transfer, Elixir / Express Elixir, SIC transfer, EFT / Interac, Pix, SPEI, Zengin transfer, Interbank transfer, FPS, FAST / PayNow, NAPAS transfer, PromptPay, BI-FAST, DuitNow, NPP / PayID, sarie instant.
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.
Request a QuoteReference metadata computed from the KeyBS Pay corridor dataset. Timings are indicative; availability is route-dependent and confirmed per quote. Also available via the free Knowledge API.