Payment rail · Guatemala
Payment rail · GuatemalaWhat is ACH in Guatemala?
The 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. Poplin pays out to Guatemala over ACH, settling the same business day at the latest.
Source: Banco de Guatemala (opens in a new tab)
Updated · Reviewed by Joyce Chin, Chief Operating Officer & Compliance Officer
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A payout to Guatemala clears over
ACH
settles the same business day · 1% + $1.00 on a business account
Set from your location — change it above.The recipient’s account details decide the rail — the fee is always shown before you send.
// at a glance
What the rail sets for a payout over ACH — and what Poplin charges to send.
Settlement
Same day
a ceiling, not the typical time
Reaches
1
country — Guatemala
Paid out in
GTQ
Guatemalan quetzal
Business fee
1%
plus a $1.00 fixed fee
Clearing
Local
domestic clearing
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.
// how it moves
How ACH payouts move.
From your US-dollar balance to an account in Guatemala — four steps.
You send from USD
Enter an amount in your Poplin US-dollar account and confirm the payout — the full fee shows before you send.
Converted at mid-market
Dollars become Guatemalan quetzals at the mid-market rate — no markup added.
Cleared over ACH
Poplin clears the payout over ACH, Guatemala’s automated clearing house.
Arrives inside the window
ACH settles the same business day — a ceiling, not the typical time; how fast it lands depends on the receiving bank.
// coverage
Where ACH reaches.
Sending somewhere else?
Each destination clears over its own set of rails. See the rail, speed, and fee for any destination — or the fee for every rail on one page.
// related rails
Other schemes that can clear same or next day.
ACH — FAQ
Basics
What is ACH in Guatemala?
The 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. Poplin pays out to Guatemala over ACH, settling the same business day at the latest.
Speed
How long do ACH payouts take in Guatemala?
Over ACH, Poplin payouts settle the same business day. Payments leave your account in seconds; ACH then clears the payout to the recipient’s bank.
Cost
How much does it cost to send money to Guatemala over ACH with Poplin?
A percentage of the amount plus a $1.00 fixed fee — 1% on a business account and 1% on a personal account, shown in full before you send. Conversion, where the payout currency isn’t US dollars, is at the mid-market rate with no markup.
Coverage
Does Poplin pay out to Guatemala over ACH?
ACH is how Poplin pays out to Guatemala, in GTQ.
Send US dollars to Guatemala over ACH.
Open a US-dollar account in minutes. No monthly fees.