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. 
