Pay anyone, anywhere.
In seconds.
Send USD, EUR or GBP and deliver INR, PHP, BRL, AED, VND, NGN, MXN and 30+ more local currencies. Settle to bank, mobile wallet, card or cash pickup, across 40+ markets.
Indicative rates for illustration only.
Your balance to local fiat,
everywhere your recipients are.
Fund a USD, EUR or GBP balance once. AI-assisted routing picks the fastest local rail, and your recipients see funds land in their own currency within seconds.
Bank rails
Push to bank accounts via ACH, SEPA, SEPA Instant, Fedwire, Faster Payments, IMPS, NEFT, RTGS, PESONet and more.
- Named accounts
- Same-day & instant rails
- SWIFT for high-value
- Multi-currency settlement
Real-time & QR
Push via Pix, UPI, InstaPay, PromptPay, PayNow, VietQR, FPS and other real-time rails.
- VPA / alias lookups
- QR & deep-link
- Sub-second settlement
- Refund & reversal flows
Mobile wallets
Reach billions through M-Pesa, GCash, Maya, OVO, MoMo, Alipay, WeChat Pay and other mobile money.
- MNO-direct integrations
- Wallet-to-wallet
- Identity validation
- Emerging-market coverage
Cards & cash
Push to Visa and Mastercard debit cards, or pay out as cash at MoneyGram agent locations.
- Visa Direct · Mastercard Send
- Cash pickup (soon)
- No bank account needed
- Global agent network
Every method, at a glance.
Filter by type or search for a specific scheme. Each row lists the regions and currencies Credible supports.
| Method | Type | Regions | Currencies | Speed |
|---|---|---|---|---|
| ACHUS bank rail | Bank rails | US | USD | Same-day |
| FedwireUS high-value wire | Bank rails | US | USD | Instant |
| SEPA CreditEU bank rail | Bank rails | EU | EUR | T+1 |
| SEPA InstantEU instant credit | Real-time | EU | EUR | Instant |
| Faster PaymentsUK instant rail | Real-time | GB | GBP | Instant |
| IMPSIndia instant payouts | Real-time | IN | INR | Instant |
| NEFTIndia bank rail | Bank rails | IN | INR | Same-day |
| RTGSIndia high-value | Bank rails | IN | INR | Instant |
| UPIIndia real-time | Real-time | IN | INR | Instant |
| Pix PayoutBrazil real-time | Real-time | BR | BRL | Instant |
| PromptPayThailand real-time | Real-time | TH | THB | Instant |
| PayNowSingapore real-time | Real-time | SG | SGD | Instant |
| VietQRVietnam payouts | Real-time | VN | VND | Instant |
| DuitNowMalaysia real-time | Real-time | MY | MYR | Instant |
| InstaPayPhilippines real-time | Real-time | PH | PHP | Instant |
| PESONetPhilippines batch | Bank rails | PH | PHP | Same-day |
| AANIUAE instant rail | Real-time | AE | AED | Instant |
| NIBSSNigeria instant rail | Real-time | NG | NGN | Instant |
| Visa DirectCard push payout | Cards | Global | Multi | Instant |
| Mastercard SendCard push payout | Cards | Global | Multi | Instant |
| M-PesaMobile money | Wallets | KETZMZ | KES, TZS, MZN | Instant |
| GCashMobile wallet | Wallets | PH | PHP | Instant |
| AlipayWallet payout | Wallets | CN | CNY | Instant |
| WeChat PayWallet payout | Wallets | CN | CNY | Instant |
| PayPalGlobal wallet | Wallets | Global | Multi | Instant |
| MoneyGram cash pickupAgent network | Cash | Global | Local | Same-day |
Capital-efficient. Real-time. Worldwide.
Enable instant, efficient payouts worldwide with AI-powered routing and deep local-rail coverage.
Instant settlement
Payouts settle instantly, not after 3 to 5 business days of wire processing and correspondent bank delays.
Prefunded balances
Hold a USD, EUR or GBP balance and fire payouts on demand, individually or in batches of thousands.
AI risk checks
Assess every payout in real time for fraud, sanctions and anomalies before funds leave your balance.
Intelligent routing
Optimise payout execution with intelligent routing and automatic fallback for higher success rates.
Best-rate FX
Mid-market FX on every conversion. No hidden spreads, no surprise correspondent bank fees.
Global payout coverage
Push to bank accounts, mobile wallets, cards and cash across emerging and developed markets.
From balance to recipient in four steps.
- 01
Fund
Top up your balance by ACH, SEPA, Faster Payments or wire.
- 02
Quote
Get the mid-market rate, fee and exact recipient amount.
- 03
Send
Create one payout or a batch via dashboard, file or API.
- 04
Track
Webhooks stream every status through to delivered.
Payouts for the industries
other gateways quietly decline.
Remittance Apps
Every corridor with FX and local payout rails, from a single API, so you launch new markets in weeks.
Explore →Neobanks
Named multi-currency accounts, card issuing, and same-day settlement, without a banking charter in every market.
Explore →Payment Aggregators
Orchestrate acquirers and local methods behind one API, with split settlement and real-time reconciliation.
Explore →Creator Platforms
Tipping, subscriptions, and marketplace payouts to creators across geographies, without the chargeback headache.
Explore →MTOs
Extend your corridors with bank, wallet and cash-pickup payouts, FX, and sanctions screening in the flow.
Explore →Marketplaces
Take one buyer payment, split it across sellers and fees, and pay every seller out in their local currency.
Explore →SaaS & Subscriptions
Collect subscription revenue in local currencies and methods without a local entity in each market.
Explore →Import/Export
Collect from overseas buyers into named USD, EUR and GBP accounts and pay suppliers in 40+ markets at mid-market FX.
Explore →Questions, answered.
How fast do payouts arrive?
On real-time rails (IMPS, UPI, Pix, InstaPay, Faster Payments, SEPA Instant and more) funds arrive in seconds. Other bank rails settle same-day or T+1.
How do I fund payouts?
Top up your Credible balance in USD, EUR or GBP by ACH, Fedwire, SEPA or Faster Payments, or fund your named Global Account from your customers’ collections.
Can I send bulk payouts?
Yes. Upload a file or push batches through the API; each payout is individually tracked and reconciled.
What does FX cost?
Conversions run at the mid-market rate with a transparent fee shown before you confirm.
Move money the moment your business needs it to.
Fund a balance, hit the payout API, and put money in recipient hands in seconds, not days.