Payment Schemes - Offramp | Crossmint Docs

To specify the payment rail for a transaction, set recipient.rail to one of the values below. If recipient.rail is omitted, Crossmint uses the account’s regional default: ach-same-day for US accounts and sepa-instant for SEPA accounts.

Rail/Scheme	Availability	Identifier	Settlement	Processing window (working days)	Transaction Limits
ACH (USD)	Available	`ach-us`	1 business day	GMT 01:45pm to 08:00pm	$50,000 per transaction
Same-day ACH (USD)	Available	`ach-same-day`	Same day	GMT 01:45pm to 08:00pm	$50,000 per transaction
RTP (USD)	Available	`rtp`	Instant	24/7	$1,000,000 per transaction
Wire (USD)	Available	`wire`	Same day	GMT 01:45pm to 08:00pm	No limit
SEPA Instant (EUR)	Available	`sepa-instant`	Instant	24/7	€500,000 per transaction
SEPA (EUR)	Available	`sepa`	1 to 2 business days	GMT 07:00am to 02:00pm	No limit
SPEI (MXN)	Available		Instant
Bre-B (COP)	Available		Instant		COP 12,110,000 per transaction
Bank Transfer (COP)	Available		1 to 2 business days
SWIFT (EUR)	Q4		1 to 5 business days	GMT 07:00am to 02:00pm	No limit
Faster Payments (GBP)	Q4		Minutes to hours	24/7	£1,000,000 per transaction
Pix (BRL)	Q4		Instant
Additional rails available upon request	Contact sales

Processing Windows by Timezone

Settlements arrive within the stated timeframes only if payments are submitted by the stipulated processing window.

US (ACH, Same-day ACH, Wire)

Timezone	Winter (Standard)	Summer (Daylight)
PT	05:45am to 12:00pm PST	06:45am to 01:00pm PDT
ET	08:45am to 03:00pm EST	09:45am to 04:00pm EDT

Europe and UK (SEPA, SWIFT)

Timezone	Winter (Standard)	Summer (Daylight)
PT	11:00pm to 06:00am PST	12:00am to 07:00am PDT
ET	02:00am to 09:00am EST	03:00am to 10:00am EDT