Every USD rail, one integration

ACH, Fedwire, and RTP from a single API: cost-sensitive batches, high-value finality, and instant payouts, screened and reconciled the same way.

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Your Infinite AccountUSD · acct_ops_usd

Recipient screenedThe same check on a $500 ACH and a $5M 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 $500 ACH and a $5M 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

USD Payments give your Infinite Accounts every domestic dollar rail through one API. Send ACH when cost matters, Fedwire when finality matters, and RTP when it has to arrive now, with the same request shape, screening, and reconciliation across all three.

Platforms disbursing to US bank accounts at scale
Finance teams that need same-day certainty for large transfers
Non-US businesses that need a real US account and routing number, without a US banking relationship

Capabilities

One request shape across every rail.

Automatic rail selectionLet Transfer Routes pick the rail from amount, urgency, and cutoff, or specify it yourself on every request.
Screening on every paymentThe same counterparty screening runs on a $500 ACH and a $5M Fedwire.
Reconciliation built inEvery payment is sub-ledgered and webhook-tracked. Returns, rejects, and confirmations land in one place, not three bank files.

Example

One batch, three rails.

A platform pays 1,200 sellers on a Friday afternoon. One batch request; Infinite splits it across rails.

Submit one batch

A single API call with 1,200 payouts, amounts from $80 to $250,000, no rail specified.

Each payment gets a rail

Standard payouts route to ACH for cost. Payments past the ACH cutoff route to RTP, so sellers are still paid today. The $250,000 settlement routes to Fedwire for same-day finality.

Screening runs inline

Every recipient is screened before release. Recipients already vetted on the network clear instantly.

One reconciliation

Webhooks confirm each payment as it settles, and the whole batch reconciles as one ledger, including any ACH returns.

Rails

ACH, Fedwire, and RTP, compared.

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; Infinite cutoffs and account limits published at launch.

Developers

Integrate once.

Specify a rail, or pass "auto" and let the network choose.

Read the docs

pay-usd.tsIllustrative example

const payment = await fetch("/v1/payments", {
  method: "POST",
  headers: {
    Authorization: "Bearer " + apiKey,
    "Content-Type": "application/json",
  },
  body: JSON.stringify({
    rail: "rtp", // or "ach" | "fedwire" | "auto"
    amount: "185000.00",
    currency: "USD",
    destination: "acct_us_9313",
  }),
});
 
// settles in seconds: nights and weekends included

FAQ

Answers before you ask

How do I pick the right rail?

As a rule: ACH for cost, Fedwire for large amounts with same-day finality, RTP for instant delivery around the clock. Or skip the decision: pass rail: "auto" and Transfer Routes chooses from amount, urgency, and cutoff. When the destination is BRL or MXN, Transfer Routes can convert in flight. See 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; talk to sales about your situation.

What are Infinite’s cutoffs and limits?

The table above is network-level. Infinite’s cutoffs and per-account limits are shared during onboarding; ask sales about your volumes. For how each rail’s settlement windows work (ACH batches, Fedwire business hours, RTP around the clock), see the ACH, Fedwire, and RTP glossary entries.

What happens when an ACH payment returns?

You get a webhook with the return code, and the sub-ledger updates automatically: the return reconciles against the original payment instead of appearing as a mystery credit in a bank file. For how batch payouts reconcile at scale, returns included, see Global Mass Payouts.

Can we send USD payments on weekends?

Yes: over RTP, which settles instantly and finally 24/7/365, including weekends and holidays when ACH and Fedwire are closed. Submit with rail: "auto" and payments past the ACH cutoff route to RTP automatically, so recipients are still paid today. See the RTP glossary entry for how the network works.

See the companies processing on Infinite

The right rail, every time.

30 minutes: one API moves ACH, Fedwire, and RTP, screened, tracked, and reconciled.

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