SorterPay · Payment Methods
Payment Methods & Rails Directory
Explore local methods, bank rails, cards, wallets and digital assets by region and architecture.
United States
ACHUS bank account transfers through the Automated Clearing House. A customer authorizes a debit or initiates a credit; clearing and settlement follow the provider’s schedule. Returns and authorization rules apply.→ZelleBank-linked US payments using an enrolled email address or mobile number. Funds move between eligible bank accounts; business acceptance depends on the participating bank and account type.→VenmoA US digital wallet for eligible personal and business payments. Customers pay through an approved business profile or checkout integration using their supported funding source.→Cash AppA US financial app supporting wallet payments. Eligible businesses accept payments through a business account or supported checkout integration, subject to provider terms.→PayPalA digital wallet and payment service. Customers authorize checkout using a PayPal balance or supported funding source; the provider processes the payment and settles to the merchant account. Disputes and reversals may apply.→MoneyGramA money-transfer network with digital and agent channels. The sender funds a transfer and the recipient receives it through an eligible payout channel; merchant integration and use cases require provider approval.→Credit / Debit CardsTraditional credit and debit card processing: checkout sends card authorization through a gateway, processor and acquiring bank to the issuer. Approved payments are captured and settled to the merchant. Refunds, disputes and chargebacks remain part of this model.→Credit / Debit Cards Cross RampA card-funded on-ramp lets a customer purchase crypto for a payment; an off-ramp converts crypto back into supported fiat and pays it out through an eligible provider channel. Card payouts depend on provider support. Crypto transfers generally do not use card chargebacks, but the original card purchase can still be disputed: chargeback exposure depends on the provider, fraud controls and contract, and is not guaranteed to be near zero.→Crypto Cross RampBidirectional crypto payment flows: customers can deposit or pay in supported crypto, and businesses can pay customers or counterparties in crypto. On-ramp converts fiat into crypto; off-ramp converts crypto into fiat when needed. Wallet address, network, asset, fees and confirmations must match.→
LATAM
PIXBrazil’s instant payment system. Customers authorize a bank or payment-account transfer using a key, QR code or payment details; funds reach the receiving account through the supported integration.→SPEIMexico’s interbank electronic payment system. The payer initiates a peso transfer from a participating institution to the beneficiary’s bank account using supported account details.→PSEColombia’s online bank-payment service. Customers select their bank, authenticate and authorize an account debit to complete an eligible merchant payment.→Credit / Debit CardsTraditional credit and debit card processing: checkout sends card authorization through a gateway, processor and acquiring bank to the issuer. Approved payments are captured and settled to the merchant. Refunds, disputes and chargebacks remain part of this model.→Credit / Debit Cards Cross RampA card-funded on-ramp lets a customer purchase crypto for a payment; an off-ramp converts crypto back into supported fiat and pays it out through an eligible provider channel. Card payouts depend on provider support. Crypto transfers generally do not use card chargebacks, but the original card purchase can still be disputed: chargeback exposure depends on the provider, fraud controls and contract, and is not guaranteed to be near zero.→Crypto Cross RampBidirectional crypto payment flows: customers can deposit or pay in supported crypto, and businesses can pay customers or counterparties in crypto. On-ramp converts fiat into crypto; off-ramp converts crypto into fiat when needed. Wallet address, network, asset, fees and confirmations must match.→
Europe
Open BankingWith customer consent, an authorized provider connects to a bank to initiate an account-to-account payment or access permitted account information. The customer authenticates with their bank and funds move through a supported bank rail.→SEPAThe Single Euro Payments Area standardizes euro payments between participating accounts. A SEPA Credit Transfer sends euros using the beneficiary’s IBAN; processing follows the bank’s applicable schedule.→SEPA InstantAn instant euro credit-transfer scheme for participating banks. Eligible transfers are processed around the clock within seconds, subject to the bank, checks and service availability.→Banking RailsThe networks and bank infrastructure that move money between accounts. A payment instruction is validated, cleared and settled under the selected rail’s currency, operating hours and rules.→Credit / Debit CardsTraditional credit and debit card processing: checkout sends card authorization through a gateway, processor and acquiring bank to the issuer. Approved payments are captured and settled to the merchant. Refunds, disputes and chargebacks remain part of this model.→Credit / Debit Cards OnRampA card-funded on-ramp lets a customer purchase crypto for a payment; an off-ramp converts crypto back into supported fiat and pays it out through an eligible provider channel. Card payouts depend on provider support. Crypto transfers generally do not use card chargebacks, but the original card purchase can still be disputed: chargeback exposure depends on the provider, fraud controls and contract, and is not guaranteed to be near zero.→Crypto Cross RampBidirectional crypto payment flows: customers can deposit or pay in supported crypto, and businesses can pay customers or counterparties in crypto. On-ramp converts fiat into crypto; off-ramp converts crypto into fiat when needed. Wallet address, network, asset, fees and confirmations must match.→
Global
ACHUS bank account transfers through the Automated Clearing House. A customer authorizes a debit or initiates a credit; clearing and settlement follow the provider’s schedule. Returns and authorization rules apply.→ZelleBank-linked US payments using an enrolled email address or mobile number. Funds move between eligible bank accounts; business acceptance depends on the participating bank and account type.→VenmoA US digital wallet for eligible personal and business payments. Customers pay through an approved business profile or checkout integration using their supported funding source.→Cash AppA US financial app supporting wallet payments. Eligible businesses accept payments through a business account or supported checkout integration, subject to provider terms.→PayPalA digital wallet and payment service. Customers authorize checkout using a PayPal balance or supported funding source; the provider processes the payment and settles to the merchant account. Disputes and reversals may apply.→MoneyGramA money-transfer network with digital and agent channels. The sender funds a transfer and the recipient receives it through an eligible payout channel; merchant integration and use cases require provider approval.→Credit / Debit CardsTraditional credit and debit card processing: checkout sends card authorization through a gateway, processor and acquiring bank to the issuer. Approved payments are captured and settled to the merchant. Refunds, disputes and chargebacks remain part of this model.→Credit / Debit Cards Cross RampA card-funded on-ramp lets a customer purchase crypto for a payment; an off-ramp converts crypto back into supported fiat and pays it out through an eligible provider channel. Card payouts depend on provider support. Crypto transfers generally do not use card chargebacks, but the original card purchase can still be disputed: chargeback exposure depends on the provider, fraud controls and contract, and is not guaranteed to be near zero.→Crypto Cross RampBidirectional crypto payment flows: customers can deposit or pay in supported crypto, and businesses can pay customers or counterparties in crypto. On-ramp converts fiat into crypto; off-ramp converts crypto into fiat when needed. Wallet address, network, asset, fees and confirmations must match.→Open BankingWith customer consent, an authorized provider connects to a bank to initiate an account-to-account payment or access permitted account information. The customer authenticates with their bank and funds move through a supported bank rail.→SEPAThe Single Euro Payments Area standardizes euro payments between participating accounts. A SEPA Credit Transfer sends euros using the beneficiary’s IBAN; processing follows the bank’s applicable schedule.→SEPA InstantAn instant euro credit-transfer scheme for participating banks. Eligible transfers are processed around the clock within seconds, subject to the bank, checks and service availability.→Banking RailsThe networks and bank infrastructure that move money between accounts. A payment instruction is validated, cleared and settled under the selected rail’s currency, operating hours and rules.→PIXBrazil’s instant payment system. Customers authorize a bank or payment-account transfer using a key, QR code or payment details; funds reach the receiving account through the supported integration.→SPEIMexico’s interbank electronic payment system. The payer initiates a peso transfer from a participating institution to the beneficiary’s bank account using supported account details.→PSEColombia’s online bank-payment service. Customers select their bank, authenticate and authorize an account debit to complete an eligible merchant payment.→USDTA stablecoin designed to track the US dollar. Transfers use a supported blockchain and receiving wallet; network and asset must match.→USDCA dollar-referenced stablecoin used for supported crypto payments and settlement. Funds move between compatible wallets on the selected blockchain.→Bitcoin LightningA Bitcoin payment network using payment channels. The payer sends bitcoin to a supported Lightning invoice or address through compatible wallets.→OXXOA Mexican cash-payment option. The customer obtains a payment reference, pays at a participating location and the provider confirms the merchant payment.→WebpayA Chilean online card-payment gateway. Customers authorize a supported card payment and the acquiring provider processes and settles it.→SINPE MóvilCosta Rican bank-account payments using an enrolled mobile number. The customer initiates the transfer through a participating financial institution.→SINPECosta Rica’s electronic payment infrastructure connecting participating financial institutions for supported account transfers.→YappyA Panamanian mobile-payment service. Customers pay an enrolled person or eligible business through a supported banking app.→GuateACHGuatemalan interbank account transfers through participating financial institutions. The payer submits recipient account details and the bank processes the instruction.→ACH InmediatoAn immediate interbank transfer service in Guatemala through participating institutions, subject to the account, limits and service availability.→Transfer365El Salvador’s interbank payment service. Customers initiate eligible bank transfers through their participating institution.→YapeA Peruvian mobile wallet used to send and receive supported payments by mobile number or QR code. Business acceptance depends on the service arrangement.→PlinA Peruvian mobile-payment service available through participating financial apps, enabling supported payments using a mobile number or QR code.→Bank TransfersAccount-to-account transfers initiated with the recipient’s banking details. Timing, currencies, returns and fees depend on the bank and payment network.→Interoperable QR PaymentsA QR code carries payment details which a compatible banking or wallet app reads to initiate a supported payment across participating services.→