Cut-off Times

Payment rails operate within specific time windows. Understanding cut-off times helps you plan transactions and set accurate expectations for settlement.

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What are cut-off times?

Cut-off times define the daily deadline for processing transactions through each payment rail. Transactions submitted after the cut-off time are processed on the next business day.

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Cut-off times by rail

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PIX (BRL)

• Operating hours: 24/7, 365 days a year
• Settlement: Instant
• Cut-off time: None (always available)

PIX transactions are processed in real-time at any time, including weekends and holidays.

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SPEI (MXN)

• Operating hours: 24/7, 365 days a year
• Settlement: Near-instant (typically under 30 seconds)
• Cut-off time: None (always available)

SPEI transactions are processed in real-time at any time, including weekends and holidays.

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SEPA (EUR)

• Operating hours: Business days only
• Settlement: T+1 (next business day)
• Cut-off time: [Time in CET/CEST timezone]

SEPA transactions submitted after the cut-off time or on weekends/holidays are processed on the next business day.

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ACH (USD)

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Same Day ACH

• Operating hours: Business days only
• Settlement: Same business day
• Cut-off times:
  • Morning window: [Time in ET timezone]
  • Afternoon window: [Time in ET timezone]

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Next Day ACH

• Operating hours: Business days only
• Settlement: T+1 (next business day)
• Cut-off time: [Time in ET timezone]

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Wire Transfer

• Operating hours: Business days only
• Settlement: Same business day
• Cut-off time: [Time in ET timezone]

ACH and Wire transactions are not processed on weekends or US federal holidays.

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Important considerations

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Want to learn more?

For detailed information about each payment rail, including fees, limits, and supported features, visit our Coverage page.