Cut-off times by rail
Cut-off times define the daily deadline for processing a transaction on each rail. Requests submitted after the cut-off, on weekends, or on bank holidays are processed on the next business day in the rail’s jurisdiction.| Currency | Rail | Cut-off (local TZ) | Settlement | Operating days |
|---|---|---|---|---|
| BRL | PIX | None | Instant | 24/7/365 |
| MXN | SPEI | None | Instant | 24/7/365 |
| EUR | SEPA | 2:00 PM CET/CEST (≥ €100k only) | Less than €100k: Instant; ≥ €100k: T+1 | < €100k: 24/7/365; ≥ €100k: business days |
| USD | ACH | 2:00 PM ET | 1–2 business days | US business days |
| USD | FEDWIRE | 3:00 PM ET | Same business day (typically within hours) | US business days |
| USD | SWIFT | 3:00 PM ET | 1–5 business days | Subject to intermediary bank hours |
All times are in the local timezone of the payment rail’s operating region. Plan cross-border transactions with timezone differences in mind. An off-ramp triggered at 4:00 PM in São Paulo lands well after FEDWIRE’s 3:00 PM ET cut-off.
What can add to these timelines
The targets above assume a clean path. A few things that can extend processing time:- Compliance review. Transactions flagged by Lumx’s monitoring (RFI) are held pending review. See Request for Information.
- Bank holidays. Each rail follows its own jurisdiction’s calendar. See Bank holidays below.
- Intermediary banks (SWIFT). International wires may pass through correspondent banks. Each one can add hours or days and may deduct fees outside Lumx’s control.
- Large transactions. Transfers above standard thresholds may trigger extra risk review, typically adding up to two business hours.
- Receiving institution. The beneficiary’s bank can hold funds for its own internal review. Lumx considers the off-ramp complete once funds leave our banking partner.
Bank holidays
Each rail follows its own jurisdiction’s calendar. Transactions submitted on a recognized holiday are queued for the next business day. Lumx doesn’t replicate the dates here, since they’re maintained by each rail’s central bank.| Rail | Calendar |
|---|---|
| ACH, FEDWIRE, SWIFT | US federal holidays (Federal Reserve K.8) |
| SEPA Credit Transfer | TARGET2 closing days, published by the ECB |
| SPEI | Días inhábiles bancarios, published by Banxico |
| PIX | None. Runs 24/7/365. Brazilian holidays may still affect dispute windows. |
Related resources
Coverage
Supported currencies, rails, and countries.
Transactions
Transaction lifecycle and statuses.
Webhooks
Subscribe to status changes for transactions.
Request for Information
Resolve RFIs that pause transactions.