> ## Documentation Index
> Fetch the complete documentation index at: https://crossmint-devin-1787949784-wallet-docs-two-concept-model.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment Schemes

> Supported payout rails and geographies for Crossmint Offramp

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 | <a href="https://www.crossmint.com/contact/sales" target="_blank" rel="noopener">Contact sales</a> |                |                      |                                  |                                |

## 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 |