Settlement Time Estimator
Pick your route and see the full timing picture — how fast you can fund, and how fast your recipient gets paid on each available rail.
Frequently asked questions
How long does a cross-border business payment actually take?
Two legs matter: funding (instant with mobile money, minutes with UK Faster Payments, 1–2 days with US ACH) and payout (near-instant for Ghana mobile money, 24–48h for CNY domestic, 24–72h for INR). The estimator combines both for your specific route.
What causes delays beyond these estimates?
Compliance review on first payments, FX approval windows, weekend/holiday cut-offs in either country, and incomplete beneficiary details. Verified repeat suppliers with complete documentation settle fastest.
What is the fastest way to pay a Chinese supplier?
Where the supplier accepts USDT, settlement can complete the same day. Otherwise a CNY domestic payout typically lands in 24–48 hours after FX approval — still several days faster than a traditional USD wire through correspondent banks.
Are these times guaranteed?
No — they are indicative planning figures. Your quote includes the expected settlement window for your specific route, and payment tracking shows live status once funds move.
Live indicative rates for 12 currencies — see what your supplier receives before you commit.
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