USD
Next Day ACH
Banking days- Cutoff · ET
- 4:45 PM
- Partner processing estimate
- 8:30 AM next banking day
Batches are submitted in the evening on banking days. Funds typically arrive in 1–2 banking days. Missing the cutoff can add another banking day.
PAYMENT TIMING
Processing windows
& cutoff times.
Understand when supported payments can be processed, the cutoffs that apply, and what can affect arrival.
PLAN WITH THE WHOLE JOURNEY IN VIEW
A window for the route.
Context for the journey.
Some fiat routes follow banking-day cutoffs. Other supported fiat and digital-asset routes operate around the clock.
These are processing estimates from licensed financial partners for eligible routes after required checks and submission. They are not guaranteed end-to-end arrival times. Your payment can take longer because of reviews, banking holidays, receiving institutions, or network conditions.
LOCAL CURRENCY
Fiat processing windows.
Last reviewed
Explore the supported currency and rail for your payment. A listed rail or limit does not mean it is enabled for every customer; receiving and payout access can differ.
11 fiat routes shown
USD
Same Day ACH
Banking days- Cutoff · ET
- 2:30 PM final cutoff
- Partner processing estimate
- Same banking day
Available for eligible transfers up to US$1 million, where the recipient bank supports it. If unavailable, the payment falls back to Next Day ACH. After the final cutoff or on a non-banking day, processing moves to the next banking day.
| Submit by | Estimated settlement |
|---|---|
| 9:30 AM | 1:00 PM |
| 1:45 PM | 5:00 PM |
| 2:30 PM | 6:00 PM |
USD
Wire
Banking days- Cutoff · ET
- 4:45 PM
- Partner processing estimate
- Up to 2 hours after sending
Payments submitted after the cutoff are sent on the next banking day. The receiving bank may take additional time to process or credit the payment.
USD
FedNow
24/7/365- Cutoff · ET
- No daily cutoff
- Partner processing estimate
- Seconds for rail settlement
Where enabled, the recipient bank must support FedNow. Partner payout access is currently in beta and available by invitation. Rail settlement speed does not include onboarding, compliance review, or other steps before submission.
EUR
SEPA Instant
24/7/365- Cutoff · ET
- No daily cutoff
- Partner processing estimate
- Up to 5 minutes
Available for eligible payments up to €1 million. The beneficiary bank must support SEPA Instant and may set a lower limit. If that bank does not respond in time, the payment falls back to a standard SEPA Credit Transfer.
EUR
SEPA Credit Transfer
Banking days- Cutoff · ET
- 7:00 AM
- Partner processing estimate
- 1–3 business days
Used when SEPA Instant is unavailable or the payment exceeds €1 million. Banking days, the receiving institution, and applicable reviews affect arrival.
MXN
SPEI
24/7/365- Cutoff · ET
- No daily cutoff
- Partner processing estimate
- Up to 30 minutes
The domestic payment rail in Mexico operates around the clock. Payment access still depends on an eligible route and completion of required checks.
BRL
Pix
24/7/365- Cutoff · ET
- No daily cutoff
- Partner processing estimate
- Up to 30 minutes
The domestic payment rail in Brazil operates around the clock. Funding, receiving, and payout eligibility can differ by customer type and jurisdiction.
COP
Bre-B
24/7/365- Cutoff · ET
- No daily cutoff
- Partner processing estimate
- Up to 30 minutes
This domestic payment rail in Colombia operates around the clock. Use the available route and instructions shown in your Ostro workspace.
COP
Bank Transfer
Weekday processing windows- Cutoff · ET
- 11:30 AM · 2:00 PM · 4:30 PM
- Partner processing estimate
- Up to 30 minutes after the applicable cutoff
Colombian bank transfers follow weekday processing windows. A payment that misses a window moves to the next available one; holidays and compliance review can affect processing.
GBP
Faster Payments
24/7/365- Cutoff · ET
- No daily cutoff
- Partner processing estimate
- Up to 30 minutes
Eligible payments above £1 million are processed through BACS instead, with an estimate of up to 3 business days. The BACS fallback follows its own banking schedule.
Available currencies, account details, payment rails, stablecoins, payout options, limits, and timing depend on eligibility, jurisdiction, compliance review, route support, and partner availability.
ELIGIBLE ASSETS & NETWORKS
Stablecoin processing.
Supported digital-asset rails operate 24/7/365 with no daily cutoff. Network, conversion, and review requirements still apply.
SUPPORTED NETWORKS ONLY
USDT
Up to 60 minutes
Conversion can require trading, which adds processing time. A fixed 1:1 USD conversion rate is not assumed.
SUPPORTED NETWORKS ONLY
USDC / EURC
Up to 30 minutes
Use only the eligible asset, network, corridor, and verified wallet shown in your workspace.
SUPPORTED NETWORKS ONLY
USDB
Up to 30 minutes
The partner processing reference includes USDB. Availability remains subject to the supported asset, network, and corridor.
SUPPORTED NETWORKS ONLY
USDG / USDP / PYUSD
Confirm timing for your route
These are potential payout options where supported. This reference does not specify a processing estimate for these assets; confirm the timing before proceeding.
Availability is specific to the whole route.
An asset being listed does not mean every network is supported. Stablecoin options vary by jurisdiction and corridor, including restrictions for certain EEA flows. Use only the eligible asset, supported network, and verified wallet shown in your workspace.
WHAT CAN ADD TIME
The rail is one part
of the payment journey.
01
Banking days and cutoffs
A banking day depends on the relevant rail and institutions, including local holidays. Missing a cutoff moves a payment to the next available processing window. Check the schedule for the actual route.
02
Larger payments
For transfers over US$500,000, partner guidance includes up to one additional processing hour. This is an allowance for that processing step; other reviews or receiving-bank delays can add more time.
03
Funding and payment reviews
Additional risk review for incoming or funding payments may add two business hours under partner processing guidance. Reviews requiring more information can take longer. Follow the status and next steps in your workspace.
Do these estimates start when I click to send?
Not necessarily. Partner processing and rail settlement follow any required verification, funding, and review steps. The estimates describe the relevant processing stage, not a guaranteed countdown from your first action in Ostro.
What happens if I miss a cutoff?
The payment moves to the next available processing window for that rail. This may be later the same day for a rail with several daily windows, or the next banking day after the final cutoff. Banking holidays can extend the wait.
Does a 24/7 rail guarantee an immediate payout?
No. A rail can operate around the clock while a payment still requires checks, conversion, or receiving-bank processing. FedNow also requires enabled partner access and a recipient bank that supports it.
Do receiving and payout payments take the same time?
Not always. Payment direction, sender and recipient institutions, payer requirements, conversion, and compliance review can change the journey. The rail reference does not establish identical timing for funding, receiving, and payout.
Which timezone should I use for a cutoff?
Use US Eastern Time (ET), including the applicable daylight-saving adjustment. This page shows reference clock times, not a live bank calendar or a prediction for a particular payment.
Where can I check a delayed payment?
Follow the payment status and any requests for information in your Ostro workspace. If you need help, contact Ostro with relevant, non-sensitive payment context.