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# United States

## Domestic payment (real-time)

### Overview

table
tr
td
Available
td
Yes
tr
td
code
targetCurrency
td
United States Dollar (USD)
tr
td
code
countryCode
td
US
tr
td
Earliest Beneficiary Credit
td
real-time
tr
td
Cut-Off Time (UK Time)
td
N/A
tr
td
Decimal Places
td
2
tr
td
Minimum 
code
targetAmount
td
0.01
tr
td
Maximum 
code
targetAmount
td
9999999.99
Important
US real-time processing is only available for merchants that are on-boarded on the **RealNet Payments LLC** entity.

### Submission data

| API field name | Required? | Field length | Description |
|  --- | --- | --- | --- |
| `beneficiaryBankDetails.accountType` | ✅ | N/A | Account type of the beneficiary.**Available values**:`checking``savings` |
| `bankDetails.beneficiaryAccountNumber` | ✅ | 17 | Account number of the beneficiary. |
| `bankDetails.bankCode` | ✅ | 9 | The ABA Routing Code is a 9-digit number used to identify the beneficiary bank in the United States.  Ensure that you use a valid ABA Routing Code and not a Fedwire code, otherwise your payment will be rejected.  |
| `beneficiaryBankDetails.swiftBic` | Strongly recommended | 8 or 11 | The SWIFT BIC is the Bank Identification Code of the beneficiary bank. |
| `beneficiaryBankDetails.bankName` | ✅ | Max 30 | Name of the beneficiary bank. |
| `parties.partyType` | ✅ | N/A | Type of the party.**Must be**:`beneficiary` |
| `parties.personalDetails.type` | ✅ | N/A | Entity description code for the party.**Available values**:`company``person``soleTrader``institution``government``other` |
| `parties.personalDetails.title` | Conditional | N/A | Title code for the individual.**Available values**:`ms``mrs` `mr``dr``mx``misc` Mandatory if `parties.personalDetails.type` is:`person`  |
| `parties.personalDetails.firstName` | Conditional | Max 50 | Beneficiary first name. Full name should be provided (no initials). Mandatory if `parties.personalDetails.type` is:`person`  |
| `parties.personalDetails.middleName` | ❌ | Max 50 | Beneficiary middle name. |
| `parties.personalDetails.lastName` | Conditional | Max 50 | Beneficiary last name. Full name should be provided (no initials). Mandatory if `parties.personalDetails.type` is:`person`  |
| `parties.personalDetails.companyName` | Conditional | Max 140 | Full name of the organization.  Failure to provide the full name could result in delays and potential rejection of your payment. This must consist of 2 words, separated by a space. To whitelist any other naming format please contact your Relationship Manager.   Mandatory if `parties.personalDetails.type` is:`company``institution``government``other`  |
| `parties.personalDetails.dateOfBirth` | Strongly recommended | 10 | Beneficiary's date of birth in YYYY-MM-DD format. |
| `parties.personalDetails.dateOfIncorporation` | ❌ | 10 | A `company`'s date of incorporation in YYYY-MM-DD format. |
| `parties.personalDetails.email` | Strongly recommended | Max 50 | Beneficiary's email address. |
| `parties.personalDetails.phones.number` | Strongly recommended | 5-20 | Phone number of the beneficiary. |
| `parties.personalDetails.phones.prefix` | Strongly recommended | 1-3 | Phone country dialing code of the beneficiary. |
| `parties.address.address1` | ✅ | Max 35 | Beneficiary's residential (if payee is an individual) or registered (if payee is a company) house number/name and street e.g. 1 Main Street. |
| `parties.address.address2` | ❌ | Max 35 | Beneficiary's residential (if payee is an individual) or registered (if payee is a company) address e.g. apartment no., unit, studio. |
| `parties.address.city` | ✅ | Max 35 | Beneficiary's city or town of their residential (if payee is an individual) or registered (if payee is a company) address. |
| `parties.address.state` | ✅ | 2 | Beneficiary's state code of residential address (if payee is an individual) or registered address (if payee is a company).  From 25 July 2025 the inclusion of the state information is required as part of the beneficiary address.  |
| `parties.address.postalCode` | ✅ | 5-9 | Beneficiary's postal code or zip code of their residential (if payee is an individual) or registered (if payee is a company) address. |
| `parties.address.countryCode` | ✅ | 2 | Beneficiary's country of their residential (if payee is an individual) or registered (if payee is a company) address.Enter the [2 character ISO 3166-1 standard country code](/access/products/reference/supported-countries-currencies#iso-country-codes) in your API request. |


Important
There are some restrictions on the type of payments that can be made to the United States.

Important
Additional data is required if the requester of the payout is either:

* [a Payment Service Provider (PSP) or Money Service Business (MSB)](/access/products/marketplaces/coverage/bank/additionalinfo#payment-service-provider-psp-and-money-service-business-msb-merchants)
or
* [contracted under Worldpay Pty Ltd and initiating a payout outside Australia](/access/products/marketplaces/coverage/bank/additionalinfo#merchants-operating-under-worldpay-pty-ltd)


## Domestic payment

### Overview

table
tr
td
Available
td
Yes
tr
td
code
targetCurrency
td
United States Dollar (USD)
tr
td
code
countryCode
td
US
tr
td
Earliest Beneficiary Credit
td
T+1
tr
td
Cut-Off Time (UK Time)
td
15:30
tr
td
Decimal Places
td
2
tr
td
Minimum 
code
targetAmount
td
0.01
tr
td
Maximum 
code
targetAmount
td
9999999.99
### Submission data

| API field name | Required? | Field length | Description |
|  --- | --- | --- | --- |
| `beneficiaryBankDetails.accountType` | ✅ | N/A | Account type of the beneficiary.**Available values**:`checking``savings` |
| `beneficiaryBankDetails.accountNumber` | ✅ | 17 | Account number of the beneficiary. |
| `beneficiaryBankDetails.bankCode` | ✅ | 9 | The ABA Routing Code is a 9-digit number used to identify the beneficiary bank in the United States.  Ensure that you use a valid ABA Routing Code and not a Fedwire code, otherwise your payment will be rejected.  |
| `beneficiaryBankDetails.swiftBic` | Strongly recommended | 8 or 11 | The SWIFT BIC is the Bank Identification Code of the beneficiary bank. |
| `beneficiaryBankDetails.bankName` | ✅ | Max 30 | Name of the beneficiary bank. |
| `parties.partyType` | ✅ | N/A | Type of the party.**Must be**:`beneficiary` |
| `parties.personalDetails.type` | ✅ | N/A | Entity description code for the party.**Available values**:`company``person``soleTrader``institution``government``other` |
| `parties.personalDetails.title` | Conditional | N/A | Title code for the individual.**Available values**:`ms``mrs` `mr``dr``mx``misc` Mandatory if `parties.personalDetails.type` is:`person`  |
| `parties.personalDetails.firstName` | Conditional | Max 50 | Beneficiary first name. Full name should be provided (no initials). Mandatory if `parties.personalDetails.type` is:`person`  |
| `parties.personalDetails.middleName` | ❌ | Max 50 | Beneficiary middle name. |
| `parties.personalDetails.lastName` | Conditional | Max 50 | Beneficiary last name. Full name should be provided (no initials). Mandatory if `parties.personalDetails.type` is:`person`  |
| `parties.personalDetails.companyName` | Conditional | Max 140 | Full name of the organization.  Failure to provide the full name could result in delays and potential rejection of your payment. This must consist of 2 words, separated by a space. To whitelist any other naming format please contact your Relationship Manager.   Mandatory if `parties.personalDetails.type` is:`company``institution``government``other`  |
| `parties.personalDetails.dateOfBirth` | Strongly recommended | 10 | Beneficiary's date of birth in YYYY-MM-DD format. |
| `parties.personalDetails.dateOfIncorporation` | ❌ | 10 | A `company`'s date of incorporation in YYYY-MM-DD format. |
| `parties.personalDetails.email` | Strongly recommended | Max 50 | Beneficiary's email address. |
| `parties.personalDetails.phones.number` | Strongly recommended | 5-20 | Phone number of the beneficiary. |
| `parties.personalDetails.phones.prefix` | Strongly recommended | 1-3 | Phone country dialing code of the beneficiary. |
| `parties.address.address1` | ✅ | Max 35 | Beneficiary's residential (if payee is an individual) or registered (if payee is a company) house number/name and street e.g. 1 Main Street. |
| `parties.address.address2` | ❌ | Max 35 | Beneficiary's residential (if payee is an individual) or registered (if payee is a company) address e.g. apartment no., unit, studio. |
| `parties.address.city` | ✅ | Max 35 | Beneficiary's city or town of their residential (if payee is an individual) or registered (if payee is a company) address. |
| `parties.address.state` | ✅ | 2 | Beneficiary's state code of residential address (if payee is an individual) or registered address (if payee is a company).  From 25 July 2025 the inclusion of the state information is required as part of the beneficiary address.  |
| `parties.address.postalCode` | ✅ | 5-9 | Beneficiary's postal code or zip code of their residential (if payee is an individual) or registered (if payee is a company) address. |
| `parties.address.countryCode` | ✅ | 2 | Beneficiary's country of their residential (if payee is an individual) or registered (if payee is a company) address.Enter the [2 character ISO 3166-1 standard country code](/access/products/reference/supported-countries-currencies#iso-country-codes) in your API request. |


Important
There are some restrictions on the type of payments that can be made to the United States.

Important
Additional data is required if the requester of the payout is either:

* [a Payment Service Provider (PSP) or Money Service Business (MSB)](/access/products/marketplaces/coverage/bank/additionalinfo#payment-service-provider-psp-and-money-service-business-msb-merchants)
or
* [contracted under Worldpay Pty Ltd and initiating a payout outside Australia](/access/products/marketplaces/coverage/bank/additionalinfo#merchants-operating-under-worldpay-pty-ltd)


## International WIRE

### Overview

table
tr
td
Available
td
Yes
tr
td
code
targetCurrency
td
a
Available WIRE currencies
tr
td
code
countryCode
td
US
tr
td
Earliest Beneficiary Credit
td
The estimated delivery time will vary by country and currency.
tr
td
Cut-Off Time (UK Time)
td
a
Currency specific
tr
td
Decimal Places
td
2
tr
td
Minimum 
code
targetAmount
td
0.01
tr
td
Maximum 
code
targetAmount
td
9999999.99
### Submission data

| API field name | Required? | Field length | Description |
|  --- | --- | --- | --- |
| `beneficiaryBankDetails.accountNumber` | ✅ | 9-17 | Account number of the beneficiary. |
| `beneficiaryBankDetails.bankCode` | ✅ | 9 | The ABA Routing Code is a 9-digit number used to identify the beneficiary bank in the United States. Ensure that you use a valid ABA Routing Code and not a Fedwire code, otherwise your payment will be rejected.  |
| `beneficiaryBankDetails.swiftBic` | ✅ | 8 or 11 | The SWIFT BIC is the Bank Identification Code of the beneficiary bank. |
| `beneficiaryBankDetails.bankName` | ✅ | Max 30 | Name of the beneficiary bank. |
| `parties.partyType` | ✅ | N/A | Type of the party.**Must be**:`beneficiary` |
| `parties.personalDetails.type` | ✅ | N/A | Entity description code for the party.**Available values**:`company``person``soleTrader``institution``government``other` |
| `parties.personalDetails.title` | Conditional | N/A | Title code for the individual.**Available values**:`ms``mrs` `mr``dr``mx``misc` Mandatory if `parties.personalDetails.type` is:`person`  |
| `parties.personalDetails.firstName` | Conditional | Max 50 | Beneficiary first name. Full name should be provided (no initials). Mandatory if `parties.personalDetails.type` is:`person`  |
| `parties.personalDetails.middleName` | ❌ | Max 50 | Beneficiary middle name. |
| `parties.personalDetails.lastName` | Conditional | Max 50 | Beneficiary last name. Full name should be provided (no initials). Mandatory if `parties.personalDetails.type` is:`person`  |
| `parties.personalDetails.companyName` | Conditional | Max 140 | Full name of the organization. Failure to provide the full name could result in delays and potential rejection of your payment. This must consist of 2 words, separated by a space. To whitelist any other naming format please contact your Relationship Manager.   Mandatory if `parties.personalDetails.type` is:`company``institution``government``other`  |
| `parties.personalDetails.dateOfBirth` | Strongly recommended | 10 | Beneficiary's date of birth in YYYY-MM-DD format. |
| `parties.personalDetails.dateOfIncorporation` | ❌ | 10 | A `company`'s date of incorporation in YYYY-MM-DD format. |
| `parties.personalDetails.email` | Strongly recommended | Max 50 | Beneficiary's email address. |
| `parties.personalDetails.phones.number` | Strongly recommended | 5-20 | Phone number of the beneficiary. |
| `parties.personalDetails.phones.prefix` | Strongly recommended | 1-3 | Phone country dialing code of the beneficiary. |
| `parties.address.address1` | Strongly recommended | Max 35 | Beneficiary's residential (if payee is an individual) or registered (if payee is a company) house number/name and street e.g. 1 Main Street. |
| `parties.address.address2` | ❌ | Max 35 | Beneficiary's residential (if payee is an individual) or registered (if payee is a company) address e.g. apartment no., unit, studio. |
| `parties.address.city` | Strongly recommended | Max 35 | Beneficiary's city or town of their residential (if payee is an individual) or registered (if payee is a company) address. |
| `parties.address.state` | ❌ | 2 | Beneficiary's state code of residential address (if payee is an individual) or registered address (if payee is a company).  From 25 July 2025 the inclusion of the state information is required as part of the beneficiary address.  |
| `parties.address.postalCode` | ❌ | 5-9 | Beneficiary's postal code or zip code of their residential (if payee is an individual) or registered (if payee is a company) address. |
| `parties.address.countryCode` | Conditional | 2 | Beneficiary's country of their residential (if payee is an individual) or registered (if payee is a company) address.  Mandatory if any of the optional beneficiary address details are provided. Enter the [2 character ISO 3166-1 standard country code](/access/products/reference/supported-countries-currencies#iso-country-codes) in your API request.  |


Important
There are some restrictions on the type of payments that can be made to the United States.

Important
Additional data is required if the requester of the payout is either:

* [a Payment Service Provider (PSP) or Money Service Business (MSB)](/access/products/marketplaces/coverage/bank/additionalinfo#payment-service-provider-psp-and-money-service-business-msb-merchants)
or
* [contracted under Worldpay Pty Ltd and initiating a payout outside Australia](/access/products/marketplaces/coverage/bank/additionalinfo#merchants-operating-under-worldpay-pty-ltd)