How local payment rails actually work
Every country solved instant payments its own way. PIX is not UPI, UPI is not SPEI, and a QR code in Bangkok is not a QR code in Lima. These pages explain each system in plain terms, and what it takes to pay into it from abroad.
PIX Brazil Instant bank transfer BRL Transferencias 3.0 Argentina Instant bank transfer ARS Bre-B Colombia Instant bank transfer COP Nequi Colombia E-wallet COP Daviplata Colombia E-wallet COP Yape Peru E-wallet PEN Plin Peru E-wallet PEN QR Simple Bolivia QR standard BOB SPEI Mexico Instant bank transfer MXN Bancard QR Paraguay QR standard PYG UPI India Instant bank transfer INR IMPS India Instant bank transfer INR NEFT India Interbank transfer INR NAPAS Vietnam Payment switch VND VietQR Vietnam QR standard VND QR Ph Philippines QR standard PHP InstaPay Philippines Instant bank transfer PHP Alipay China E-wallet CNY PromptPay Thailand Instant bank transfer THB ShopeePay Indonesia and the Philippines E-wallet IDR · PHP QRIS Indonesia QR standard IDR bKash Bangladesh Mobile money BDT Nagad Bangladesh Mobile money BDT Elcart Kyrgyzstan National card scheme KGS Korti Milli Tajikistan National card scheme TJS Humo Uzbekistan National card scheme UZS Uzcard Uzbekistan National card scheme UZS Kaspi Kazakhstan Bank and super app KZT M-Pesa Kenya and Tanzania Mobile money KES · TZS Airtel Money Tanzania Mobile money TZS TAN-QR Tanzania QR standard TZS KE-QR Kenya QR standard KES Scan to Pay South Africa QR standard ZAR Zapper South Africa QR standard ZAR Visa Direct Global Push-to-card USD FAST Türkiye Instant bank transfer TRY IBAN and VIBAN UAE and Egypt Account format AED · EGP
No system matches that search yet. The coverage catalogue lists every country we pay into.
Name the markets. We bring the rails.
Which markets, which products, roughly what volume. We come back with terms, test keys and the documentation.