Use this page to set expectations with your users about how long each payment rail takes to settle. The timelines below are processing targets, not contractual guarantees. Actual delivery depends on banking partners and the receiving institution. For onboarding timelines (KYC/KYB review), see Identity Verification. For account activation timelines, see Accounts.Documentation Index
Fetch the complete documentation index at: https://docs.lumx.io/llms.txt
Use this file to discover all available pages before exploring further.
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.