The rails behind every payout.

// the rails

Rails Maash pays out over

Each rail links to a page explaining what it is, how long it takes, what it costs, and every country Maash reaches over it.

ACH Egypt · 1%Same dayEG-ACH is Egypt’s automated clearing house for bulk interbank credits and debits such as salaries and supplier payments, developed and operated by the Egyptian Banks Company under Central Bank of Egypt supervision — in pounds and, since 2022, US dollars and euros.ACH Guatemala · 1%Same dayThe CCA — Cámara de Compensación Automatizada — is Guatemala’s interbank electronic clearing system in quetzales and foreign currency, clearing both deferred transfers and instant TIF transfers, administered by a private entity designated by Banco de Guatemala with net settlement in the central bank’s LBTR.ACH Honduras · 1%Same dayACH PRONTO — the Cámara de Compensación de Transacciones Electrónicas de Pago — is Honduras’s interbank transfer system for low-value payments in lempiras and US dollars, administered by the bank-owned Ceproban under Banco Central de Honduras regulation, crediting online transfers immediately.ACH Jamaica · 1%Next dayJamaica’s ACH is the retail clearing system for cheques, direct debits, and credits between the island’s banks, owned by Automated Payments Limited and operated by JETS Limited, settling on a deferred net basis in the Bank of Jamaica’s JamClear-RTGS.ACH Jordan · 0.75%Next dayJordan’s ACH is the centralized clearing system for low-value credit and debit transfers between banks, operated since 2023 by JoPACC — the payments company owned by the Central Bank of Jordan and the country’s banks — with net settlement at the central bank.ACH United States · 0.5%2 daysACH — the Automated Clearing House Network — is the United States’ payment system behind Direct Deposit and Direct Payments, reaching virtually every US bank and credit union account, governed by Nacha.Bacs United Kingdom · 0.5%2 daysBacs is the United Kingdom’s batch payment system behind Direct Debit and Bacs Direct Credit, operated by Pay.UK.Bankgiro Sweden · 0.75%Next dayThe Bankgiro system is Sweden’s open giro payment system for krona payments, operated by the clearing house Bankgirot, routing each payment via a bankgiro number to the holder’s underlying bank account.BEFTN Bangladesh · 1%Next dayBEFTN — the Bangladesh Electronic Funds Transfer Network — is Bangladesh’s batch network for interbank electronic credits and debits, operated by Bangladesh Bank with net settlement on the central bank’s own books.BI-FAST Indonesia · 0.95%Real timeBI-FAST is Indonesia’s real-time retail payment system, operated by Bank Indonesia.CCE Peru · 1%Next dayThe CCE — Cámara de Compensación Electrónica — is Peru’s clearing house for low-value interbank payments, created by the central bank and local banks, whose immediate transfers credit the recipient in near real time under BCRP regulation.CERTIS Czechia · 0.75%Same dayCERTIS — the Czech Express Real Time Interbank Gross Settlement System — is the Czech Republic’s only interbank payment system, operated by the Czech National Bank, settling koruna payments individually in real time.CFXPS China · 0.5%Same dayCFXPS — the China Foreign Exchange Payment System — is the People’s Bank of China’s domestic system for settling payments within China in foreign currencies including US dollars, run through its China National Clearing Center.CHAPS United Kingdom · 0.5%Same dayCHAPS is the United Kingdom’s sterling same-day system for high-value and time-critical payments, operated by the Bank of England.CITAD Vietnam · 1%3 daysCITAD is Vietnam’s interbank electronic payment rail: the State Bank of Vietnam’s online Inter-bank Electronic Payment System, whose member application and bank codes carry the CITAD name, settling dong payments between banks at the central bank.CNAPS China · 0.85%CNAPS — the China National Advanced Payment System — is the People’s Bank of China’s yuan payment backbone, run through its China National Clearing Center: high-value payments settle one by one in real time, and low-value volume clears in netted batches.Direct Entry Australia · 0.5%Same or next dayDirect entry is Australia’s bulk account-to-account payment system — the Bulk Electronic Clearing System (BECS), administered by Australian Payments Network — exchanging credit and debit files in batches each weekday, settled same-day at the Reserve Bank of Australia.DuitNow Malaysia · 0.75%Real time to next dayDuitNow is Malaysia’s national instant payment service, operated by Payments Network Malaysia (PayNet), covering transfers to bank accounts and e-wallets.EFT Canada · 0.5%Next dayEFT in Canada is the batch electronic funds transfer Payments Canada’s rules call AFT — direct deposits and pre-authorized debits — cleared through Payments Canada’s Automated Clearing Settlement System and settled across accounts at the Bank of Canada.EFT South Africa · 0.75%Next dayEFT in South Africa is the batch interbank clearing service for rand debit orders and credit transfers such as salaries, cleared by PayInc (formerly BankservAfrica) and overseen by the South African Reserve Bank.EFT Türkiye · 0.75%Same dayThe EFT System — Elektronik Fon Transferi — is the Central Bank of the Republic of Türkiye’s system for real-time gross settlement of lira interbank payments, developed and operated in-house by the central bank.Elixir Poland · 0.75%Same dayElixir is Poland’s interbank clearing system for złoty credit transfers and direct debits, operated by the clearing house KIR in sessions each business day, with settlement at the National Bank of Poland.FAST Singapore · 0.75%Real timeFAST — Fast And Secure Transfers — is Singapore’s service for near-instant Singapore-dollar transfers between accounts at participating banks and non-bank financial institutions, available around the clock.FAST Türkiye · 0.75%Real timeFAST — Fonların Anlık ve Sürekli Transferi, the Instant and Continuous Transfer of Funds — is Türkiye’s 24/7 instant payment system, developed, operated, and owned by the Central Bank of the Republic of Türkiye, executing lira payments within seconds.Faster Payments United Kingdom · 0.5%Real timeFaster Payments is the United Kingdom’s payment system, operated by Pay.UK, for near-instant bank transfers between UK accounts.FPS Hong Kong SAR China · 0.5%Real timeFPS — the Faster Payment System — is Hong Kong’s real-time platform for instant transfers between banks and e-wallets, introduced by the HKMA and operated by Hong Kong Interbank Clearing Limited.IMPS India · 0.75%Real timeIMPS — Immediate Payment Service — is India’s system for instant, 24/7 interbank money transfers.InstaPay Philippines · 0.75%Real timeInstaPay is the Philippines’ real-time electronic fund transfer service, moving pesos between participating BSP-supervised banks and e-money issuers, available 24/7.Intradagclearing Denmark · 0.75%Same dayIntradagclearingen — Denmark’s Intraday Clearing — is the retail net-clearing system for same-day krone account-to-account transfers, owned by Finance Denmark, operated by Mastercard Payment Services, and settled at Danmarks Nationalbank.MEPS+ Singapore · 0.75%Real timeMEPS+ — the MAS Electronic Payment System — is the Monetary Authority of Singapore’s own real-time gross settlement system for Singapore-dollar interbank payments.NAPAS 247 Vietnam · 1%Real timeNAPAS 247 is Vietnam’s 24/7 fast funds transfer service, operated by the National Payment Corporation of Vietnam (NAPAS) under State Bank of Vietnam oversight, crediting dong transfers between member organisations — banks and non-banks — in real time.NICS Norway · 0.75%Same dayNICS — the Norwegian Interbank Clearing System — is the clearing system for the Norwegian krone, used by all banks operating in Norway, managed by Bits under Norges Bank’s authorisation and settled in Norges Bank’s settlement system.PesaLink Kenya · 0.75%Real time to 3 daysPesaLink is Kenya’s service for instant bank-to-bank transfers, run by the country’s banking industry.PESONet Philippines · 0.75%Next dayPESONet is the Philippines’ batch electronic fund transfer scheme, clearing bulk credit transfers between BSP-supervised financial institutions.Pix Brazil · 0.95%Real timePix is Brazil’s instant payment scheme, created and run by the Central Bank of Brazil, which settles transfers between banks and payment institutions in real time, around the clock.PromptPay Thailand · 0.75%Real time to next dayPromptPay is Thailand’s national instant payment service for real-time transfers between bank accounts.QPS Qatar · 0.75%Next dayQPS — the Qatar Payment System — is the Qatar Central Bank’s interbank payment and settlement system, settling riyal transfers between banks in real time on a gross basis across their accounts at the central bank.RTC South Africa · 0.75%Next dayRTC — Real-Time Clearing — is South Africa’s near-real-time interbank credit transfer service, clearing single rand payments within a minute, around the clock, operated by PayInc (formerly BankservAfrica).Same Day ACH United States · 0.5%Same daySame Day ACH is the ACH Network capability, defined by Nacha’s rules, that settles ACH credit and debit payments within hours on the same business day when submitted within the network’s processing windows.SENT Romania · 0.85%Same daySENT is Romania’s automated clearing house for low-value interbank payments in lei and euros, owned and operated by TRANSFOND, with net positions settled at the National Bank of Romania.SEPA 27 countries · 0.5%Real time to next daySEPA — the Single Euro Payments Area — is the EU initiative under which euro bank transfers move between participating countries on one common set of rules, through schemes such as SEPA Credit Transfer.SIC Switzerland · 0.5%Next daySIC — Swiss Interbank Clearing — is Switzerland’s central payment system, settling large-value and retail franc payments, operated by SIX Interbank Clearing on behalf of the Swiss National Bank.SINPE Costa Rica · from 0.5%Real timeSINPE — the Sistema Nacional de Pagos Electrónicos — is Costa Rica’s national payments platform, developed and administered by the Banco Central de Costa Rica, moving funds between accounts at the country’s financial entities in colones and US dollars.SLIPS Sri Lanka · 1%Same daySLIPS — the Sri Lanka Inter-bank Payment System — is Sri Lanka’s system for same-day rupee transfers between banks, operated by LankaPay under the Central Bank of Sri Lanka.SPEI Mexico · 0.5%Real timeSPEI is Mexico’s interbank electronic payment system, operated by Banco de México, which moves funds between participating financial institutions in seconds.SPI Ecuador · 0.5%Same daySPI — the Sistema de Pagos Interbancarios — is Ecuador’s interbank transfer system, administered by the Banco Central del Ecuador, channelling US-dollar payments between accounts at the country’s banks, cooperatives, and mutualists.Straksbetaling Denmark · 0.75%Same dayStraksbetaling — Danish for instant payment — is a krone transfer settled individually and in real time in TIPS under TARGET DKK, available around the clock every day, with Danmarks Nationalbank responsible for the Danish service.SWIFT 180 countries · 0.5%1–4 daysSwift is the international messaging network banks use to send each other the payment instructions behind cross-border wire transfers; the money itself moves through banks and other financial institutions.TED Brazil · 0.95%Next dayTED — Transferência Eletrônica Disponível — is Brazil’s same-day interbank transfer order, regulated by the Banco Central do Brasil and settled through its STR settlement system, with funds available to the recipient within at most an hour and a half.TEF Chile · 0.75%Next dayTEF — Transferencia Electrónica de Fondos — is Chile’s interbank account-to-account transfer service, cleared by the Centro de Compensación Automatizado (CCA), which as the switch passes each transfer to the receiving bank immediately on receipt.TISS Tanzania · 1%2 daysTISS — the Tanzania Inter-bank Settlement System — is Tanzania’s system for high-value and time-sensitive shilling payments, settling in real time on a gross basis, owned and operated by the Bank of Tanzania.USD CHATS Hong Kong SAR China · 0.5%USD CHATS is Hong Kong’s US-dollar real-time gross settlement system, operated by Hong Kong Interbank Clearing Limited, settling US-dollar payments between participating banks across the books of its settlement institution, The Hongkong and Shanghai Banking Corporation.Wire United States · 0.5%Same dayA US domestic wire moves US dollars between American bank accounts as an individually processed transfer with same-day finality, over the Federal Reserve Banks’ Fedwire Funds Service or The Clearing House’s CHIPS network.Zahav Israel · 0.75%Next dayZahav — a Hebrew acronym for Real Time Credits and Transfers — is Israel’s RTGS system, operated by the Bank of Israel, settling shekel payments between participants in real time, finally and irrevocably.Zengin Japan · 1%Same dayZengin is Japan’s domestic interbank clearing system for yen transfers, operated by Zengin-Net, with final settlement at the Bank of Japan.

Show all 55 rails

55 rails · 188 countries

Days are business days — a Saturday delays a same-day or next-day payout. These are ceilings, not typical times: within the window, how fast the money lands depends on the receiving bank.