Supported payment methods

CPN supports multiple payment methods for transferring funds to recipients in different countries. The available payment methods depend on the destination country and are determined by the payment rails available in that region.

You can discover available payment methods for specific routes using the configurations overview endpoint or the list routes endpoint.

Note: Payment method availability may vary based on your account configuration and the specific payment route. Always use the list routes endpoint to verify available payment methods for your specific use case.

Settlement times

Payment methods have different settlement characteristics:

• Instant payments (for example PIX, SPEI, IMPS): Typically settle in seconds to minutes
• Batched payments (for example WIRE, CHATS): May take 1-2 business days depending on the route

Actual settlement times are provided in the quote response via the fiatSettlementTime field.

Payment methods by region

The following sections detail payment methods available for specific destination countries and regions.

Argentina

Payment Method	Currency	Description	Approximate Processing Time
WIRE	USD	Wire transfer for international payments	1-2 business days

Brazil

Payment Method	Currency	Description	Approximate Processing Time
PIX	BRL	Brazil’s instant payment system that enables real-time transfers 24/7	5 minutes
WIRE	USD	Wire transfer for international payments	1-2 business days

Chile

Payment Method	Currency	Description	Approximate Processing Time
WIRE	USD	Wire transfer for international payments	1-2 business days

China

Payment Method	Currency	Description	Approximate Processing Time
CIPS	CNY	China’s Cross-Border Interbank Payment System for international RMB transfers	1-2 business days
WIRE	CNY, USD	Wire transfer for international payments	1-2 business days

Colombia

Payment Method	Currency	Description	Approximate Processing Time
BANK-TRANSFER	COP	Bank transfer for domestic payments in Colombia, processed through the ACH network	1-2 business days
NEQUI	COP	Colombia’s digital wallet and instant payment system	5 minutes
WIRE	USD	Wire transfer for international payments	1-2 business days

European Union

Payment Method	Currency	Description	Approximate Processing Time
WIRE	USD	Wire transfer for international payments to European countries	1-2 business days

Note: SEPA payments will attempt instant SEPA first, which delivers in minutes. If instant SEPA is not available for the transaction, it will fall back to regular SEPA, which takes 1 business day.

Note: WIRE is available for the following countries: Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, and United Kingdom.

Hong Kong

Payment Method	Currency	Description	Approximate Processing Time
CHATS	HKD, USD	Hong Kong’s Clearing House Automated Transfer System for interbank transfers	Same day
FPS	HKD	Hong Kong’s Faster Payment System for real-time payments	5 minutes
WIRE	HKD, USD	Wire transfer for international payments	1-2 business days

India

Payment Method	Currency	Description	Approximate Processing Time
IMPS	INR	India’s Immediate Payment Service for instant interbank transfers	5 minutes
NEFT	INR	India’s National Electronic Funds Transfer for scheduled batch transfers	Same day
RTGS	INR	India’s Real Time Gross Settlement for high-value transfers	5 minutes

Japan

Payment Method	Currency	Description	Approximate Processing Time
WIRE	USD	Wire transfer for international payments	1-2 business days

Kenya

Payment Method	Currency	Description	Approximate Processing Time
WIRE	USD	Wire transfer for international payments	1-2 business days

Mexico

Payment Method	Currency	Description	Approximate Processing Time
SPEI	MXN	Mexico’s electronic interbank payment system operated by Banco de México	5 minutes
WIRE	USD	Wire transfer for international payments	1-2 business days

Nigeria

Payment Method	Currency	Description	Approximate Processing Time
BANK-TRANSFER	NGN	Nigeria’s NIBSS (Nigeria Inter-Bank Settlement System) instant payment system for real-time interbank transfers	5 minutes
WIRE	USD	Wire transfer for international payments	1-2 business days

Singapore

Payment Method	Currency	Description	Approximate Processing Time
BANK-TRANSFER	SGD	Bank transfer for domestic payments in Singapore, may be processed through FAST (Fast And Secure Transfers) or MEPS RTGS (Real-Time Gross Settlement)	30 minutes
WIRE	USD	Wire transfer for international payments	1-2 business days

South Africa

Payment Method	Currency	Description	Approximate Processing Time
WIRE	USD	Wire transfer for international payments	1-2 business days

South Korea

Payment Method	Currency	Description	Approximate Processing Time
WIRE	USD	Wire transfer for international payments	1-2 business days

Taiwan

Payment Method	Currency	Description	Approximate Processing Time
WIRE	USD	Wire transfer for international payments	1-2 business days

United States

Payment Method	Currency	Description	Approximate Processing Time
FEDWIRE	USD	US Federal Reserve’s wire transfer system for same-day settlement	Same day

Payment method characteristics

Limits

Each payment method has minimum and maximum transfer limits that vary by:

• Destination country
• Destination currency
• Payment method type

Use the list routes endpoint to retrieve specific limits for your payment route. When using V2 transactions, pass transactionVersion=VERSION_2 so returned crypto min limits include a chain-specific buffer for fees (for example, gas fee), paid in USDC from the source amount.