Payment Rails
The networks that move money: SWIFT, SEPA, card networks, blockchain. paype connects the major international rails.
Payment rails — the infrastructure networks that facilitate the movement of money between parties. Each rail has different geographic reach, speed, cost, and currency coverage.
The main rails
| Rail | Use case | Speed | Cost range |
|---|---|---|---|
| ACH | US bank-to-bank | 1–2 days | Not available on paype |
| SEPA | Euro zone transfers | 1 day | $3–5 + % |
| SWIFT | International wires | 1–3 days | $15–25 + % |
| Card networks | Visa / Mastercard | Instant | Variable |
| Blockchain | Crypto transfers | Minutes | Network fee |
Why one account matters
Historically, businesses needed separate banking relationships to access different rails. paype provides a single account with access to all major international rails — SWIFT for cross-border wires to 170+ countries, SEPA for the eurozone, cards for commerce, and crypto for digital asset settlement.
Choosing the right rail
The right choice depends on where money is going, what currency is needed, and how fast it needs to arrive. paype’s interface surfaces the cost and timing for each option before you confirm — so you always know what you’re choosing.