Clear dollars on every US rail

Dollar clearing over ACH, Fedwire, and RTP from your own US account and routing number.

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One request shape · the rail chosen per paymentILLUSTRATIVE
One request shape · the rail chosen per paymentILLUSTRATIVE

One account, every US rail.

With Infinite

Rail-by-rail detail lives on USD Payments.

Get a US account and routing number
Your own US account. Routing and account numbers through a bank partner, for US and non-US businesses.
Send on the rail that fits
Automatic rail selection. ACH for cost, Fedwire for large same-day transfers, RTP for instant delivery around the clock.
Screen every payment the same way
Screening on every payment. The same check on a small ACH and a large Fedwire.
Close the books from one ledger
Reconciliation built in. Settlements and returns reconcile against the original payment.

Built on USD Payments, Bank Accounts and Transfer Routes. See also Correspondent Banking and Cross-border Payments.

See the companies processing on Infinite

How a dollar payment clears.

Example workflow
  1. 01

    Book a demo.

    Scope your flows, then clear compliance once through Embedded Compliance.

  2. 02

    Open your US account.

    US routing and account numbers on an Infinite Account, provided through a bank partner.

  3. 03

    Send one request.

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

  4. 04

    Reconcile.

    Every payment and return on one ledger.

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Answers before you ask

FAQ
What is dollar clearing?

Moving US dollars between bank accounts over the domestic rails: ACH, Fedwire, and RTP. On Infinite, each payment is screened before it moves and reconciled to one ledger.

Can non-US companies clear dollars?

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

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.

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 Payouts.

Can we clear dollars on weekends?

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

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.

Bring your dollar flows.

Thirty minutes clearing a sample payment on a live account.

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