- In the coverage tables below, Direction refers to the source and destination country / currency / rail of a payment.
- Source = you can use this country / currency / rail combination as the source of a payment
- Destination = you can use this country / currency / rail combination as the destination of a payment
- Min and Max limits are transaction-level limits unless specified otherwise
- Minimums are post-fee, meaning the source or destination value should amount to at least the minimum limit after Walapay's fees have been applied.
- All payments can be made to third parties, except in the following cases:
- United States: in payments involving individuals from TX or PA
- Eurozone: EUR/GBP payins (source: EUR/GBP) into EUR/GBP Virtual Accounts
- Mexico: payments where source currency is MXN (e.g. MXN onramps, payins)
- In the case that a country has multiple payment rails, the bolded rail is what Walapay defaults to unless specified otherwise in the payment request
The following tables outline our global coverage by country.
| Country | Currency | Rail | Method | Direction | B2C/B2B | Settlement Time | Min | Max |
|---|
| Global | USD | SWIFT1 | Bank Transfer | Destination | B2B | T+1 to T+4 | $35 | - |
| Global | USDC/T | Ethereum | Blockchain | Both2 | Both | Real-time | -3 | - |
| Global | USDC/T | Solana | Blockchain | Both2 | Both | Real-time | -3 | - |
| Global | USDC/T | Polygon | Blockchain | Both2 | Both | Real-time | -3 | - |
| Global | USDC | Base | Blockchain | Both2 | Both | Real-time | - | - |
| Global | USDT | Tron | Blockchain | Both2 | Both | Real-time | -3 | - |
| Global | USDT | Plasma | Blockchain | Both2 | Both | Real-time | - | - |
| Global | EURC | Solana | Blockchain | Both2 | Both | Real-time | - | - |
| Global | EURC | Base | Blockchain | Both2 | Both | Real-time | - | - |
- SWIFT USD is available in all countries except restricted countries (see Onboarding Regions for details)
- Against valid fiat currency pairs (see tables below)
- Payments with a source of USDT must be minimum $5
| Country | Currency | Rail | Method | Direction | B2C/B2B | Settlement Time | Min | Max |
|---|
| Ghana | GHS | GhIPSS | Bank Transfer | Destination | Both | Real-time | $1 | 100,000 GHS |
| Kenya | KES | PesaLink | Bank Transfer | Destination | Both | Real-time / T+3 | $1 | 999,999,999 KES |
| Nigeria | NGN | NIBSS | Bank Transfer | Source | Both | Real-time | $10 | 99,900,000 NGN |
| Nigeria | NGN | NIBSS | Bank Transfer | Destination | Both | Real-time | $2 | 7,500,000 NGN |
| Tanzania | TZS | RTGS | Bank Transfer | Destination | Both | T+2 | $1 | 999,999,999 TZS |
| South Africa | ZAR | RTC / EFT | Bank Transfer | Destination | B2C | T+1 | $1 | 5,000,000 ZAR |
| Country | Currency | Rail | Method | Direction | B2C/B2B | Settlement Time | Min | Max |
|---|
| Australia | AUD | BECS | Bank Transfer | Destination | Both | T+0 / T+1 | $1 | 999,999,999 AUD |
| Bangladesh | BDT | BEFTN | Bank Transfer | Destination | B2C | T+1 | $1 | 999,999,999 BDT |
| China4 | CNY | CNAPS | Bank Transfer (B2B) | Destination | B2B | T+0 | $5 | Services Trade: 300,000 CNY
Goods Trade: 500,000 CNY
General Trade: 3,500,000 CNY |
| China | USD | CXFPS | Bank Transfer | Destination | B2B | T+0 | $10 | 5,000,000 USD |
| Hong Kong | HKD | FPS / ECG / CHATS | Bank Transfer | Destination | B2B | Real-time / T+1 | $10 | FPS: 5,000,000 HKD |
| Hong Kong | USD | FPS / CHATS | Bank Transfer | Destination | B2B | T+0 | $10 | |
| Hong Kong | CNH | FPS / CHATS | Bank Transfer | Destination | B2B | T+0 | $10 | FPS: 5,000,000 CNH |
| India | INR | IMPS / NEFT (RDA5) | Bank Transfer | Destination | Both | Real-time | $1 | 1,500,000 INR |
| India | INR | IMPS / NEFT (VDA5) | Bank Transfer | Destination | Both | Real-time | $1 | $50,000 |
| Indonesia | IDR | BI-FAST / Artajasa | Bank Transfer | Destination | Both | Real-time / T+1 | $2 | 999,999,999 IDR |
| Japan | JPY | Zengin | Bank Transfer | Destination | Both | T+0 | $1 | 50,000,000 JPY |
| Malaysia | MYR | PayNet’s Duitnow | Bank Transfer | Destination | Both | Real-time / T+1 | $1 | 1,000,000 MYR |
| Nepal | NPR | NPS | Bank Transfer | Destination | Both | Real-time | $1 | 1,000,000 NPR |
| Pakistan | PKR | IBFT | Bank Transfer | Destination | B2C | Real-time | $1 | 1,000,000 PKR |
| Philippines | PHP | InstaPay / PESONet | Bank Transfer | Both | Both | Real-time / T+1 | $1 | 25,000,000 PHP |
| Singapore | SGD | FAST / MEPS | Bank Transfer | Destination | Both | Real-time | $1 | 200,000 SGD |
| South Korea | KRW | KFTC / FirmBanking | Bank Transfer | Destination | Both | Real-time | $1 | 999,999,999 KRW |
| Sri Lanka | USD | SLIPS | Bank Transfer | Destination | Both | T+0 | $5 | 25,000 USD |
| Sri Lanka | LKR | SLIPS | Bank Transfer | Destination | Both | T+0 | $1 | |
| Thailand | THB | PromptPay | Bank Transfer | Destination | Both | Real-time / T+1 | $1 | 49,999 THB |
| Turkey | TRY | FAST / EFT | Bank Transfer | Destination | Both | Real-time | $1 | 100,000 TRY |
| Vietnam | VND | Napas / CITAD | Bank Transfer | Destination | Both | Real-time / T+3 | $1 | 499,999,999 VND |
- China: CNY payments to individuals have a yearly transaction value limit of 300,000 CNY / year.
- India RDA vs. VDA: Rupee Drawing Arrangement (RDA) and Virtual Digital Asset (VDA) schemes utilize the same underling rails, but have different requirements.
| Country | Currency | Rail | Method | Direction | B2C/B2B | Settlement Time | Min | Max |
|---|
| Andorra | EUR | SEPA Instant / SEPA | Bank Transfer | Both | Both | Real-time / T+1 | $1 | 1,000,000 EUR / - |
| Austria | EUR | SEPA Instant / SEPA | Bank Transfer | Both | Both | Real-time / T+1 | $1 | 1,000,000 EUR / - |
| Belgium | EUR | SEPA Instant / SEPA | Bank Transfer | Both | Both | Real-time / T+1 | $1 | 1,000,000 EUR / - |
| Croatia | EUR | SEPA Instant / SEPA | Bank Transfer | Both | Both | Real-time / T+1 | $1 | 1,000,000 EUR / - |
| Cyprus | EUR | SEPA Instant / SEPA | Bank Transfer | Both | Both | Real-time / T+1 | $1 | 1,000,000 EUR / - |
| Czech Republic | CZK | CERTIS | Bank Transfer | Destination | Both | T+0 | $1 | - |
| Czech Republic | EUR | SEPA Instant / SEPA | Bank Transfer | Both | Both | Real-time / T+1 | $1 | 1,000,000 EUR / - |
| Denmark | DKK | TIPS / ACH | Bank Transfer | Destination | Both | T+0 | $1 | - |
| Denmark | EUR | SEPA Instant / SEPA | Bank Transfer | Both | Both | Real-Time / T+1 | $1 | 1,000,000 EUR / - |
| Estonia | EUR | SEPA Instant / SEPA | Bank Transfer | Both | Both | Real-time / T+1 | $1 | 1,000,000 EUR / - |
| Finland | EUR | SEPA Instant / SEPA | Bank Transfer | Both | Both | Real-time / T+1 | $1 | 1,000,000 EUR / - |
| France | EUR | SEPA Instant / SEPA | Bank Transfer | Both | Both | Real-time / T+1 | $1 | 1,000,000 EUR / - |
| Germany | EUR | SEPA Instant / SEPA | Bank Transfer | Both | Both | Real-time / T+1 | $1 | 1,000,000 EUR / - |
| Greece | EUR | SEPA Instant / SEPA | Bank Transfer | Both | Both | Real-time / T+1 | $1 | 1,000,000 EUR / - |
| Hungary | EUR | SEPA Instant / SEPA | Bank Transfer | Both | Both | Real-time / T+1 | $1 | 1,000,000 EUR / - |
| Italy | EUR | SEPA Instant / SEPA | Bank Transfer | Both | Both | Real-time / T+1 | $1 | 1,000,000 EUR / - |
| Latvia | EUR | SEPA Instant / SEPA | Bank Transfer | Both | Both | Real-time / T+1 | $1 | 1,000,000 EUR / - |
| Lithuania | EUR | SEPA Instant / SEPA | Bank Transfer | Both | Both | Real-time / T+1 | $1 | 1,000,000 EUR / - |
| Luxembourg | EUR | SEPA Instant / SEPA | Bank Transfer | Both | Both | Real-time / T+1 | $1 | 1,000,000 EUR / - |
| Malta | EUR | SEPA Instant / SEPA | Bank Transfer | Both | Both | Real-time / T+1 | $1 | 1,000,000 EUR / - |
| Netherlands | EUR | SEPA Instant / SEPA | Bank Transfer | Both | Both | Real-time / T+1 | $1 | 1,000,000 EUR / - |
| Norway | NOK | NICS | Bank Transfer | Destination | Both | T+0 | $1 | - |
| Norway | EUR | SEPA Instant / SEPA | Bank Transfer | Both | Both | Real-time / T+1 | $1 | 1,000,000 EUR / - |
| Poland | PLN | Elixir | Bank Transfer | Destination | Both | T+0 | $1 | - |
| Poland | EUR | SEPA Instant / SEPA | Bank Transfer | Both | Both | Real-time / T+1 | $1 | 1,000,000 EUR / - |
| Portugal | EUR | SEPA Instant / SEPA | Bank Transfer | Both | Both | Real-time / T+1 | $1 | 100,000 EUR / - |
| Romania | RON | SENT | Bank Transfer | Destination | Both | T+0 | $1 | - |
| Romania | EUR | SEPA Instant / SEPA | Bank Transfer | Both | Both | Real-time / T+1 | $1 | 1,000,000 EUR / - |
| Serbia | RSD | NKS | Bank Transfer | Destination | Both | T+1 | $1 | - |
| Slovakia | EUR | SEPA Instant / SEPA | Bank Transfer | Both | Both | Real-time / T+1 | $1 | 1,000,000 EUR / - |
| Slovenia | EUR | SEPA Instant / SEPA | Bank Transfer | Both | Both | Real-time / T+1 | $1 | 1,000,000 EUR / - |
| Spain | EUR | SEPA Instant / SEPA | Bank Transfer | Both | Both | Real-time / T+1 | $1 | 1,000,000 EUR / - |
| Sweden | SEK | Bankgirot | Bank Transfer | Destination | Both | T+0 | $1 | - |
| Sweden | EUR | SEPA Instant / SEPA | Bank Transfer | Both | Both | Real-time / T+1 | $1 | 1,000,000 EUR / - |
| Switzerland | CHF | SIC | Bank Transfer | Destination | Both | T+1 | $1 | - |
| United Kingdom | GBP | Faster Payments / BACS / CHAPS | Bank Transfer | Both | Both | Real-time / T+1 | $1 | 1,000,000 GBP / - |
| United Kingdom | EUR | SEPA Instant / SEPA | Bank Transfer | Both | Both | Real-time / T+1 | $1 | 1,000,000 EUR / - |
*Note: SEPA Instant coverage is limited to participating banks.
| Country | Currency | Rail | Method | Direction | B2C/B2B | Settlement Time | Min | Max |
|---|
| UAE | AED | NPSS | Bank Transfer | Both | Both | Real-time | $1 | - |
| Saudi Arabia | SAR | Mada | Bank Transfer | Destination | Both | T+0 | $1 | - |
| Qatar | QAR | QPS | Bank Transfer | Destination | Both | T+1 | $1 | - |
| Israel | ILS | ZAHAV | Bank Transfer | Destination | Both | T+1 | $1 | 25,000 ILS |
| Egypt | EGP | ACH | Bank Transfer | Destination | Both | T+0 | $1 | - |
| Jordan | JOD | ACH | Bank Transfer | Destination | B2C | T+1 | $1 | 2,000 JOD |
| Country | Currency | Rail | Method | Direction | B2C/B2B | Settlement Time | Min | Max |
|---|
| United States | USD | ACH / Domestic Wire | Bank Transfer | Both | Both | T+2 / T+0 | $2 | - |
| Canada | CAD | EFT | Bank Transfer | Destination | Both | T+1 | $1 | 600,000 CAD |
| Mexico | MXN | SPEI | Bank Transfer | Both | Both | Real-time | $1 | - |
| Dominican Republic | DOP | ACH | Bank Transfer | Destination | Both | T+0 | $2 | - |
| El Salvador | USD | ACH | Bank Transfer | Destination | B2C | T+0 | $1 | 7,500 USD |
| Guatemala | GTQ | ACH | Bank Transfer | Destination | B2C | T+0 | $1 | - |
| Honduras | HNL | ACH | Bank Transfer | Destination | B2C | T+0 | $1 | - |
| Costa Rica | CRC | SINPE | Bank Transfer | Destination | Both | Real-time | $1 | 13,510,000 |
| Costa Rica | USD | SINPE | Bank Transfer | Destination | Both | Real-time | $1 | - |
| Country | Currency | Rail | Method | Direction | B2C/B2B | Settlement Time | Min | Max |
|---|
| Brazil | BRL | TED | Bank Transfer | Destination | Both | T+1 | $1 | - |
| Brazil | BRL | Pix | Bank Transfer | Both | Both | Real-time | $10 | - |
| Argentina | ARS | Transferencias 3.0 / COELSA | Bank Transfer | Destination | Both | Real-time / T+1 | $1 | 999,999,999 ARS |
| Peru | PEN | ACH | Bank Transfer | Destination | Both | T+1 | $1 | 10,000,000 PEN |
| Chile | CLP | TEF | Bank Transfer | Destination | Both | T+1 | $1 | 999,999,999 CLP |
| Colombia | COP | PSE / ACH | Bank Transfer | Both | Both | Real-time / T+1 | $1 | 999,999,999 COP |
| Ecuador | USD | ACH | Bank Transfer | Destination | Both | T+0 | $1 | - |
| Bolivia | BOB | RTGS | Bank Transfer | Destination | Both | T+0 | $1 | 10,000,000 BOB |
| Jamaica | JMD | ACH | Bank Transfer | Destination | Both | T+1 | $1 | 772,091 JMD |
