# Supported Rails & Currencies (FIAT)

{% hint style="info" %}
General Notes

* 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 mentioned in table are transaction-level limits.
* Minimums are post-fee, meaning the source or destination value should amount to at least the minimum limit after Scallop'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 payins (source: EUR) into EUR Virtual IBAN
  * 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 Scallop defaults to unless specified otherwise in the payment request.
* EUR & GBP Virtual IBAN's will be having only first party payin's.
* Near Real-time payouts may take between 5 minutes and 6 hours, depending on local payment rails and bank operating hours.
  {% endhint %}

### Global Coverage by Country

The following tables outline our global coverage by country.

### <mark style="color:$primary;">Africa</mark>

<table data-header-hidden="false" data-header-sticky data-full-width="false"><thead><tr><th width="103.74609375">Country</th><th width="71.703125">Currency</th><th width="86.1171875">Rail</th><th width="99.93359375">Method</th><th width="71.41015625">Direction</th><th width="66.1015625">B2C/B2B</th><th width="93.265625">Settlement Time</th><th width="61.7109375">Min</th><th width="89.20703125">Max</th></tr></thead><tbody><tr><td>Ghana</td><td>GHS</td><td>MobileMoney</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time</td><td>$15</td><td>100,000 GHS</td></tr><tr><td>Kenya</td><td>KES</td><td>MPesa</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time</td><td>$15</td><td>999,999,999 KES</td></tr><tr><td>Nigeria</td><td>NGN</td><td>NIBSS</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time</td><td>$15</td><td>7,500,000 NGN</td></tr><tr><td>Tanzania</td><td>TZS</td><td>MobileMoney</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time</td><td>$15</td><td>999,999,999 TZS</td></tr><tr><td>Uganda</td><td>UGX</td><td>MobileMoney</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time</td><td>$15</td><td></td></tr><tr><td>Zambia</td><td>ZMW</td><td>MobileMoney</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time</td><td>$15</td><td></td></tr><tr><td>South Africa</td><td>ZAR</td><td>RTC / EFT</td><td>Bank Transfer</td><td>Destination</td><td>B2C</td><td>T+1</td><td>$15</td><td>5,000,000 ZAR</td></tr></tbody></table>

### <mark style="color:$primary;">Asia-Pacific</mark>

<table data-header-hidden="false" data-header-sticky data-full-width="true"><thead><tr><th width="101.2109375">Country</th><th width="109.97265625">Currency</th><th width="77.109375">Rail</th><th width="80.28125">Method</th><th width="90.875">Direction</th><th width="76.91796875">B2C/B2B</th><th width="81.65625">Settlement Time</th><th width="73.4375">Min</th><th width="77.546875">Max</th></tr></thead><tbody><tr><td>Australia</td><td>AUD</td><td>BECS</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>T+0 / T+1</td><td>$15</td><td>999,999,999 AUD</td></tr><tr><td>Bangladesh</td><td>BDT</td><td>BEFTN</td><td>Bank Transfer</td><td>Destination</td><td>B2C</td><td>T+1</td><td>$15</td><td>999,999,999 BDT</td></tr><tr><td>China</td><td>CNY</td><td>CNAPS</td><td>Bank Transfer (B2B)</td><td>Destination</td><td>B2B</td><td>T+0</td><td>$15</td><td>Services Trade: 300,000 CNY<br>Goods Trade: 500,000 CNY<br>General Trade: 3,500,000 CNY</td></tr><tr><td>Hong Kong</td><td>HKD</td><td>FPS / ECG / CHATS</td><td>Bank Transfer</td><td>Destination</td><td>B2B</td><td>Near Real-time / T+1</td><td>$15</td><td>FPS: 5,000,000 HKD<br><br>CHATS: --</td></tr><tr><td>India</td><td>INR</td><td>IMPS / NEFT (RDA<sup>1</sup>)</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>Near Real-time</td><td>$15</td><td>1,500,000 INR</td></tr><tr><td>India</td><td>INR</td><td>IMPS / NEFT (VDA<sup>1</sup>)</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>Near Real-time</td><td>$15</td><td>$50,000</td></tr><tr><td>Indonesia</td><td>IDR</td><td>BI-FAST / Artajasa</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>999,999,999 IDR</td></tr><tr><td>Japan</td><td>JPY</td><td>Zengin</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>T+0</td><td>$15</td><td>50,000,000 JPY</td></tr><tr><td>Malaysia</td><td>MYR</td><td>PayNet’s Duitnow</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>1,000,000 MYR</td></tr><tr><td>Philippines</td><td>PHP</td><td>InstaPay / PESONet</td><td>Bank Transfer + QRPay</td><td>Both</td><td>Both</td><td>Near Real-time / T+1</td><td>$15<br><br>(Not applicable for QRPay)</td><td>25,000,000 PHP</td></tr><tr><td>Singapore</td><td>SGD</td><td>FAST / MEPS</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>Near Real-time</td><td>$15</td><td>200,000 SGD</td></tr><tr><td>South Korea</td><td>KRW</td><td>KFTC / FirmBanking</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>Near Real-time*</td><td>$15</td><td>999,999,999 KRW</td></tr><tr><td>Sri Lanka</td><td>USD</td><td>SLIPS</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>T+0</td><td>$15</td><td>25,000 USD</td></tr><tr><td>Sri Lanka</td><td>LKR</td><td>SLIPS</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>T+0</td><td>$15</td><td>--</td></tr><tr><td>Thailand</td><td>THB</td><td>PromptPay</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>49,999 THB</td></tr><tr><td>Turkey</td><td>TRY</td><td>FAST / EFT</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>Near Real-time</td><td>$15</td><td>100,000 TRY</td></tr><tr><td>Vietnam</td><td>VND</td><td>VietQR</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time </td><td>$15</td><td>499,999,999 VND</td></tr></tbody></table>

1. India RDA vs. VDA: Rupee Drawing Arrangement (RDA) and Virtual Digital Asset (VDA) schemes utilize the same underlying rails, but have different requirements.

### <mark style="color:$primary;">Europe</mark>

<table data-header-hidden="false" data-header-sticky data-full-width="true"><thead><tr><th width="102.29296875">Country</th><th width="68.6171875">Currency</th><th width="80.5078125">Rail</th><th width="98.7734375">Method</th><th width="74.5859375">Direction</th><th width="87.51953125">B2C/B2B</th><th width="79.59765625">Settlement Time</th><th width="72.76953125">Min</th><th width="96.99609375">Max</th></tr></thead><tbody><tr><td>Andorra</td><td>EUR</td><td>SEPA Instant / SEPA</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>100,000 EUR / -</td></tr><tr><td>Austria</td><td>EUR</td><td>SEPA Instant / SEPA</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>100,000 EUR / -</td></tr><tr><td>Belgium</td><td>EUR</td><td>SEPA Instant / SEPA</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>100,000 EUR / -</td></tr><tr><td>Croatia</td><td>EUR</td><td>SEPA Instant / SEPA</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>100,000 EUR / -</td></tr><tr><td>Cyprus</td><td>EUR</td><td>SEPA Instant / SEPA</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>100,000 EUR / -</td></tr><tr><td>Czech Republic</td><td>CZK</td><td>CERTIS</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>T+0</td><td>$15</td><td>-</td></tr><tr><td>Czech Republic</td><td>EUR</td><td>SEPA Instant / SEPA</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>100,000 EUR / -</td></tr><tr><td>Denmark</td><td>DKK</td><td>TIPS / ACH</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>T+0</td><td>$15</td><td>-</td></tr><tr><td>Denmark</td><td>EUR</td><td>SEPA Instant / SEPA</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-Time / T+1</td><td>$15</td><td>100,000 EUR / -</td></tr><tr><td>Estonia</td><td>EUR</td><td>SEPA Instant / SEPA</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>100,000 EUR / -</td></tr><tr><td>Finland</td><td>EUR</td><td>SEPA Instant / SEPA</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>100,000 EUR / -</td></tr><tr><td>France</td><td>EUR</td><td>SEPA Instant / SEPA</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>100,000 EUR / -</td></tr><tr><td>Germany</td><td>EUR</td><td>SEPA Instant / SEPA</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>100,000 EUR / -</td></tr><tr><td>Greece</td><td>EUR</td><td>SEPA Instant / SEPA</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>100,000 EUR / -</td></tr><tr><td>Hungary</td><td>EUR</td><td>SEPA Instant / SEPA</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>100,000 EUR / -</td></tr><tr><td>Italy</td><td>EUR</td><td>SEPA Instant / SEPA</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>100,000 EUR / -</td></tr><tr><td>Latvia</td><td>EUR</td><td>SEPA Instant / SEPA</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>100,000 EUR / -</td></tr><tr><td>Lithuania</td><td>EUR</td><td>SEPA Instant / SEPA</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>100,000 EUR / -</td></tr><tr><td>Luxembourg</td><td>EUR</td><td>SEPA Instant / SEPA</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>100,000 EUR / -</td></tr><tr><td>Malta</td><td>EUR</td><td>SEPA Instant / SEPA</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>100,000 EUR / -</td></tr><tr><td>Netherlands</td><td>EUR</td><td>SEPA Instant / SEPA</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>100,000 EUR / -</td></tr><tr><td>Norway</td><td>NOK</td><td>NICS</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>T+0</td><td>$15</td><td>-</td></tr><tr><td>Norway</td><td>EUR</td><td>SEPA Instant / SEPA</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>100,000 EUR / -</td></tr><tr><td>Poland</td><td>PLN</td><td>Elixir</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>T+0</td><td>$15</td><td>-</td></tr><tr><td>Poland</td><td>EUR</td><td>SEPA Instant / SEPA</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>100,000 EUR / -</td></tr><tr><td>Portugal</td><td>EUR</td><td>SEPA Instant / SEPA</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>100,000 EUR / -</td></tr><tr><td>Romania</td><td>RON</td><td>SENT</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>T+0</td><td>$15</td><td>-</td></tr><tr><td>Romania</td><td>EUR</td><td>SEPA Instant / SEPA</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>100,000 EUR / -</td></tr><tr><td>Serbia</td><td>RSD</td><td>NKS</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>T+1</td><td>$15</td><td>-</td></tr><tr><td>Slovakia</td><td>EUR</td><td>SEPA Instant / SEPA</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>100,000 EUR / -</td></tr><tr><td>Slovenia</td><td>EUR</td><td>SEPA Instant / SEPA</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>100,000 EUR / -</td></tr><tr><td>Spain</td><td>EUR</td><td>SEPA Instant / SEPA</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>100,000 EUR / -</td></tr><tr><td>Sweden</td><td>SEK</td><td>Bankgirot</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>T+0</td><td>$15</td><td>-</td></tr><tr><td>Sweden</td><td>EUR</td><td>SEPA Instant / SEPA</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>100,000 EUR / -</td></tr><tr><td>United Kingdom</td><td>GBP</td><td>Faster Payments / BACS / CHAPS</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>1,000,000 GBP / -</td></tr><tr><td>United Kingdom</td><td>EUR</td><td>SEPA Instant / SEPA</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>100,000 EUR / -</td></tr></tbody></table>

Note: SEPA Instant coverage is limited to participating banks: <https://www.ebaclearing.eu/services-instant-payments/rt1-sct-inst/participants/>

### <mark style="color:$primary;">Middle East</mark>

<table data-header-hidden="false" data-header-sticky data-full-width="true"><thead><tr><th width="77.4609375">Country</th><th width="68.43359375">Currency</th><th width="80.66015625">Rail</th><th width="90.77734375">Method</th><th width="111.93359375">Direction</th><th width="79.75">B2C/B2B</th><th width="79.12109375">Settlement Time</th><th width="74.4296875">Min</th><th width="88.359375">Max</th></tr></thead><tbody><tr><td>UAE</td><td>AED</td><td>NPSS</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time</td><td>$15</td><td>-</td></tr><tr><td>Saudi Arabia</td><td>SAR</td><td>Mada</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>T+0</td><td>$15</td><td>-</td></tr><tr><td>Qatar</td><td>QAR</td><td>QPS</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>T+1</td><td>$15</td><td>-</td></tr><tr><td>Israel</td><td>ILS</td><td>ZAHAV</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>T+1</td><td>$15</td><td>25,000 ILS</td></tr><tr><td>Egypt</td><td>EGP</td><td>ACH</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>T+0</td><td>$15</td><td>-</td></tr><tr><td>Jordan</td><td>JOD</td><td>ACH</td><td>Bank Transfer</td><td>Destination</td><td>B2C</td><td>T+1</td><td>$15</td><td>2,000 JOD</td></tr></tbody></table>

### <mark style="color:$primary;">North America</mark>

<table data-header-hidden="false" data-header-sticky data-full-width="true"><thead><tr><th width="105.07421875">Country</th><th width="73.4453125">Currency</th><th width="74.6015625">Rail</th><th width="85.1875">Method</th><th width="89.29296875">Direction</th><th width="81.5078125">B2C/B2B</th><th width="87.18359375">Settlement Time</th><th width="72.8046875">Min</th><th width="94.1171875">Max</th></tr></thead><tbody><tr><td>United States</td><td>USD</td><td>ACH / Domestic Wire</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>T+2 / T+0</td><td>$15</td><td>-</td></tr><tr><td>Canada</td><td>CAD</td><td>EFT</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>T+1</td><td>$15</td><td>600,000 CAD</td></tr><tr><td>Mexico</td><td>MXN</td><td>SPEI</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time</td><td>$15</td><td>-</td></tr><tr><td>Dominican Republic</td><td>DOP</td><td>ACH</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>T+0</td><td>$15</td><td>-</td></tr><tr><td>El Salvador</td><td>USD</td><td>ACH</td><td>Bank Transfer</td><td>Destination</td><td>B2C</td><td>T+0</td><td>$15</td><td>7,500 USD</td></tr><tr><td>Guatemala</td><td>GTQ</td><td>ACH</td><td>Bank Transfer</td><td>Destination</td><td>B2C</td><td>T+0</td><td>$15</td><td>-</td></tr><tr><td>Honduras</td><td>HNL</td><td>ACH</td><td>Bank Transfer</td><td>Destination</td><td>B2C</td><td>T+0</td><td>$15</td><td>-</td></tr><tr><td>Costa Rica</td><td>CRC</td><td>SINPE</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>Near Real-time</td><td>$15</td><td>13,510,000</td></tr><tr><td>Costa Rica</td><td>USD</td><td>SINPE</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>Near Real-time</td><td>$15</td><td>-</td></tr></tbody></table>

### <mark style="color:$primary;">South America</mark>

<table data-header-hidden="false" data-header-sticky data-full-width="true"><thead><tr><th width="93.046875">Country</th><th width="76.8671875">Currency</th><th width="74.23046875">Rail</th><th width="98.29296875">Method</th><th width="91.5859375">Direction</th><th width="79.82421875">B2C/B2B</th><th width="89.25">Settlement Time</th><th width="73.33984375">Min</th><th width="85.26171875">Max</th></tr></thead><tbody><tr><td>Brazil</td><td>BRL</td><td>TED</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>T+1</td><td>$15</td><td>-</td></tr><tr><td>Brazil</td><td>BRL</td><td>Pix</td><td>Bank Transfer + QRPay</td><td>Both</td><td>Both</td><td>Near Real-time</td><td>$15 (Not applicable for QRPay)</td><td>-</td></tr><tr><td>Argentina</td><td>ARS</td><td>Transferencias 3.0 / COELSA</td><td>Bank Transfer + QRPay</td><td>Destination</td><td>Both</td><td>Near Real-time / T+1</td><td>$15 (Not applicable for QRPay)</td><td>999,999,999 ARS</td></tr><tr><td>Peru</td><td>PEN</td><td>ACH</td><td>Bank Transfer + QRPay</td><td>Destination</td><td>Both</td><td>T+1</td><td>$15 (Not applicable for QRPay)</td><td>10,000,000 PEN</td></tr><tr><td>Chile</td><td>CLP</td><td>TEF</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>T+1</td><td>$15</td><td>999,999,999 CLP</td></tr><tr><td>Colombia</td><td>COP</td><td>PSE / ACH</td><td>Bank Transfer</td><td>Both</td><td>Both</td><td>Near Real-time / T+1</td><td>$15</td><td>999,999,999 COP</td></tr><tr><td>Ecuador</td><td>USD</td><td>ACH</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>T+0</td><td>$15</td><td>-</td></tr><tr><td>Bolivia</td><td>BOB</td><td>RTGS</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>T+0</td><td>$15</td><td>10,000,000 BOB</td></tr><tr><td>Jamaica</td><td>JMD</td><td>ACH</td><td>Bank Transfer</td><td>Destination</td><td>Both</td><td>T+1</td><td>$15</td><td>772,091 JMD</td></tr></tbody></table>


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