Move money on bank rails — including the fast ones.
SEPA and SEPA Instant, ACH, Faster Payments, Interac, and high-value wire — all handled through Paytone's payment object, with mandates, reconciliation, and return-code handling already taken care of.
Bank rails that match your geography.
From everyday SEPA collections to instant push payments and high-value cross-border wire, Paytone covers the bank rails that matter for digital businesses operating in multiple regions.
SEPA
SEPA Credit Transfer and SEPA Direct Debit across the eurozone, with mandate storage, pre-notifications, and return-code handling abstracted into the payment object.
SEPA Instant
SCT Inst for 10-second settlement up to the scheme limit. Where supported by the originating and beneficiary bank, Paytone routes the transfer instantly.
ACH
NACHA ACH credits and debits for US flows, with same-day ACH support, addenda records, and standard return-code lifecycle events.
Faster Payments (UK)
FPS for near-real-time UK transfers up to the scheme limit. Single immediate payment and standing order rails both supported.
Interac (Canada)
Interac e-Transfer for Canadian customer-to-business and business-to-business flows, with email or mobile-number routing supported.
SWIFT / wire
SWIFT messaging for high-value cross-border transfers, with payer-information and beneficiary-bank routing handled through the same API surface.
Built for ongoing bank-rail operations.
Bank transfers come with their own operational shape — mandates, returns, scheduling. Paytone takes those quirks and hides them behind a clean lifecycle.
Mandate management
Store, version, and reference mandates for recurring debits. Pre-notifications, mandate updates, and cancellations are first-class lifecycle events.
Automated reconciliation
Match incoming and outgoing transfers to your payment records using reference fields, amounts, and counterparties — no manual matching.
Return code handling
R-codes, R-transactions, and ACH returns surfaced as structured webhook events with codes mapped to consistent failure reasons.
Scheduling
Future-dated transfers, recurring schedules, and batched submission windows. Useful for payroll, payouts, and treasury operations.
Refund support
Refunds via reverse transfers where the rail supports them, or via scheme-defined return mechanisms — surfaced through the standard refund object.
Real-time status
Live status webhooks where the rail supports them. For batch rails like ACH, expect status events on file submission, settlement, and any returns.
Pick the rail that matches the use case.
Bank rails differ in coverage, speed, refundability, and cost. The table on the right is a quick guide to the trade-offs — read down the rows when you're scoping a new market or rebalancing existing flows.
When you don't want to choose, Paytone's routing engine can pick for you — it'll prefer instant rails for low-value transfers and batch rails for high-value or treasury-driven flows.
How orchestration picks rails- SEPA
- Eurozone · 1 business day · refundable · not instant
- SEPA Instant
- Eurozone · ~10 seconds · refundable via SCT · instant
- ACH
- US · 1–2 business days · returnable per NACHA · batch (same-day ACH available)
- Faster Payments
- UK · near real time · not directly refundable, indemnity-based · instant
- Interac e-Transfer
- Canada · minutes to hours · refundable via cancel-or-reverse · near real time
- SWIFT / wire
- Cross-border · 1–3 business days · refundable per beneficiary bank · not instant
Run bank rails on one integration.
Tell us about the rails you need today and the ones you'll add as you expand. We'll help map them onto Paytone's payment object so your code doesn't change as you grow.