Every USD rail, one integration
ACH, Fedwire, and RTP from a single API — the right rail for each payment. One integration covers cost-sensitive batches, high-value finality, and instant payouts, screened and reconciled the same way.
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
One request shape across every rail.
Every rail on this page is a capability of the same Infinite Account — one compliance review, one integration, one ledger across SWIFT, US rails, stablecoins, and FX.
Automatic rail selection
Let Transfer Routes pick the rail from amount, urgency, and cutoff — or specify it yourself on every request.
Screening on every payment
The same counterparty screening runs on a $500 ACH and a $5M Fedwire. Compliance is the network, not a bolt-on.
Reconciliation built in
Every payment is sub-ledgered and webhook-tracked. Returns, rejects, and confirmations land in one place — not three bank files.
One batch, three rails.
A platform pays 1,200 sellers on a Friday afternoon. One batch request — Infinite (infinite.net) 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.
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.
Integrate once.
Specify a rail, or pass "auto" and let the network choose. The request shape — and your reconciliation — stays the same across all three.
import { Infinite } from "@infinite/sdk"; const infinite = new Infinite({ apiKey }); const payment = await infinite.payments.create({ rail: "rtp", // or "ach" | "fedwire" | "auto" amount: "185000.00", currency: "USD", destination: "acct_us_9313", }); // settles in seconds — nights and weekends included
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 shows network-level characteristics. Infinite’s specific cutoffs and per-account limits are published in the docs at launch — talk to sales about your volumes today. 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.
The right rail, every time.
Book a 30-minute demo and see one API move ACH, Fedwire, and RTP — screened, tracked, and reconciled.