Payment Rails
The following table outlines our supported payment methods.
| Payment Method | Description | Availability |
|---|
| SEPA (Instant) | Instant EEA transactions sub €100k | ✅ |
| SEPA (Credit) | Usually 24 hours for transactions greater than €100k | ✅ |
| ACH | Common for domestic transfers within the US | ✅ |
| Wire | Common for domestic transfers within the US | ✅ |
| Chaps | Common for domestic transfers within the UK | ✅ |
| FPS | Common for domestic transfers within the UK | ✅ |
| SWIFT Inbound | SWIFT Network payment into the Virtual Account from Iron | Coming Soon |
| SWIFT Outbound | SWIFT Network payment outwards to an external fiat bank account | Coming Soon |
Bank Cutoff Windows
| Bank | Rail | Cutoff Time | Notes |
|---|
| Lead Bank | Same-Day ACH | Mon–Fri, 10:30 AM / 2:45 PM / 4:45 PM ET | Three daily windows aligned with FedACH. Submissions after cutoff are queued for the next window. |
| Lead Bank | Wire (FedWire) | Mon–Fri, 4:00 PM CT | Wires submitted after cutoff are processed the next business day. Fedwire operates 8:00 PM CT (prior day) to 6:00 PM CT. |
| Cross River Bank | Same-Day ACH | Mon–Fri, 10:00 AM / 1:00 PM / 4:00 PM ET | Three daily submission windows (morning, afternoon, evening). |
| Cross River Bank | Wire | Mon–Fri, per partner agreement | Wires received after your contractual cutoff are processed the next business day. |
Named Virtual Accounts
A virtual account is a FBO account at our banking partner/s in the name of the customer.
| Tool | Description | Availability |
|---|
| VIBAN | EU IBAN enabling localized payments as if using a traditional bank account. | ✅ |
| AN | US account and routing number for receiving domestic USD payments. | ✅ |
Virtual Accounts serve as payment target addresses and are not intended for holding funds permanently. These accounts work for first-party payment and third-party payment.
