Every USD rail, one integration

Each payment takes the rail that fits it, screened and reconciled the same way.

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Your Infinite AccountUSD · acct_ops_usd

Recipient screenedThe same check on a small ACH and a large FedwireCleared

ACHLowest cost · batched
FedwireSame-day finality
RTP185,000.00 USD · seconds · 24/7

One request shape · the rail chosen per paymentILLUSTRATIVE

01
From
- Your Infinite AccountUSD · acct_ops_usd
02
Screening
- Recipient screenedThe same check on a small ACH and a large FedwireCleared
03
Rail per payment
- ACHLowest cost · batched
- FedwireSame-day finality
- RTP185,000.00 USD · seconds · 24/7

One request shape · the rail chosen per paymentILLUSTRATIVE

Who it’s for

Platforms paying out to US bank accounts at scale
Finance teams moving large same-day transfers
Non-US businesses that need a real US account and routing number

One request shape across every rail.

Capabilities

Automatic rail selection
Transfer Routes picks the rail from amount, urgency, and cutoff, or you set it.
Screening on every payment
The same counterparty screening runs on a small ACH and a large Fedwire.
Reconciliation built in
Every payment is sub-ledgered and tracked by webhook, returns included.

ACH, Fedwire, and RTP, compared.

Rails

Rail	ACH	Fedwire	RTP
Speed	Same day to 2 business days	Minutes, same-day finality	Seconds
Operating hours	Business days, batch windows	Business days, Fed hours	24/7/365
Network limits	Up to $1M per same-day payment	No network cap	Up to $10M per payment
Finality	Returns and disputes possible	Irrevocable on settlement	Irrevocable on settlement
Best for	Payroll, vendor payments, recurring debits	Large transfers and time-critical settlement	Instant payouts, nights and weekends

Network characteristics shown.

Create a USD transfer.

Developers

Specify the banking rail. Creation returns a draft for review before submission.

Read the docs

pay-usd.tsIllustrative example

// Illustrative account IDs; use accounts enabled for this route.
const response = await fetch("/v1/transfers", {
  method: "POST",
  headers: {
    Authorization: "Bearer " + apiKey,
    "Content-Type": "application/json",
  },
  body: JSON.stringify({
    onBehalfOf: "cus_business",
    amount: { currency: "USD", rawValue: "18500000" },
    source: {
      accountId: "acc_source",
      currency: "USD", paymentRail: "BALANCE",
    },
    destination: {
      accountId: "acc_recipient",
      currency: "USD", paymentRail: "RTP",
    },
    paymentReason: "PAYMENT_FOR_GOODS_AND_SERVICES",
  }),
});
// Created in DRAFT. Review, then submit separately.

Answers before you ask

FAQ

How do I pick the right rail?

ACH for cost, Fedwire for large same-day transfers, RTP for instant delivery around the clock. See Transfer Routes for cross-border routing and conversion through Foreign Exchange.

Can non-US companies use USD rails?

Yes, non-US businesses can hold Infinite Accounts with their own US routing and account numbers, provided through chartered, FDIC-insured partner banks, and move dollars on domestic US rails, subject to onboarding and compliance review. Eligibility depends on entity type and jurisdiction.

What are Infinite’s cutoffs and limits?

Infinite’s cutoffs and per-account limits are shared during onboarding. For settlement windows, see the ACH, Fedwire, and RTP glossary entries.

What happens when an ACH payment returns?

A webhook carries the return code, and the return reconciles against the original payment. For returns at scale, see Global Mass Payments.

Can we send USD payments on weekends?

Yes, over RTP, which settles 24/7/365. Other rails follow their own operating windows. See the RTP glossary entry.

See the companies processing on Infinite

The right rail, every time.

Thirty minutes on one batch, from rail selection to reconciliation.

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