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When withdrawing fiat funds from Borderless, you need to specify where you’d like the funds to be sent. Since Borderless supports a wide range of countries with different payout methods - such as bank transfers, PIX, Mobile Money, and others - this is done through Payment Instructions. A Payment Instruction is created for a specific identity, and contains the method and destination details for where funds should be sent during a withdrawal.
If you’re just getting started, please check out our quick start guide.

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Payment Method

The core of the Payment Instruction is the payment method, which defines how the transfer will be made. Each country may support different methods. Please see a list below of local payment rails.
RailRegionCurrencyType
SWIFT MT / ISO 20022GlobalMulti-currencyMessaging / interbank
Card networks (Visa, Mastercard, Amex, etc.)GlobalMulti-currencyCard schemes
T2 (Eurosystem RTGS)EurozoneEURRTGS
TIPS (TARGET Instant Payment Settlement)Europe (SEPA)EUR, SEK, DKKInstant
BunaArab region (selected MENA)AED, SAR, JOD, EGP, USD, EURCross-border / regional
CIPSGlobal (RMB-focused)CNY (RMB)Cross-border RTGS
Core account-based rails across North and South America.United States & Canada
RailCountryCurrencyType
ACHUSUSDBatch ACH
FedwireUSUSDHigh-value RTGS
RTPUSUSDInstant
FedNowUSUSDInstant
ZelleUSUSDScheme / overlay
Interac e-TransferCanadaCADInstant
Lynx (RTGS)CanadaCADHigh-value RTGS
Real-Time Rail (RTR)CanadaCADInstant
Latin America
RailCountryCurrencyType
PixBrazilBRLInstant
TED / DOCBrazilBRLRTGS / batch
SPEIMexicoMXNInstant
CoDi (overlay on SPEI)MexicoMXNInstant / QR
PSE (Pagos Seguros en Línea)ColombiaCOPNear real-time
Local ACH/RTGS railsColombiaCOPBatch / RTGS
Local ACH/RTGS railsArgentinaARSBatch / RTGS
COELSAArgentinaARSBatch / RTGS
Local ACH/RTGS railsChileCLPBatch / RTGS
SPAVChileCLPBatch / RTGS
Local ACH/RTGS railsPeruPENBatch / RTGS
Euro-area SEPA rails plus major national systems.Pan-European (SEPA / Eurozone)
RailRegionCurrency(ies)Type
SEPA Credit TransferSEPA zoneEURBatch credit transfer
SEPA Instant Credit TransferSEPA zoneEURInstant
SEPA Direct DebitSEPA zoneEURBatch debit
TARGET2EurozoneEURHigh-value RTGS
TIPSEurozoneEURInstant
United Kingdom & other Europe
RailCountryCurrency(ies)Type
Faster Payments Service (FPS)UKGBPInstant
BacsUKGBPBatch ACH
CHAPSUKGBPHigh-value RTGS
SwishSwedenSEKInstant / mobile
Rail / SchemeCountry / RegionCurrencyType
UPI (Unified Payments Interface)IndiaINRInstant
IMPS / NEFTIndiaINRFaster / batch
New Payments Platform (NPP)AustraliaAUDInstant
FASTSingaporeSGDFast ACH
PayNow (on FAST)SingaporeSGDInstant overlay
PromptPayThailandTHBInstant
DuitNowMalaysiaMYRInstant
BI-FASTIndonesiaIDRInstant
InstaPayPhilippinesPHPInstant
PESONetPhilippinesPHPBatch ACH
Faster Payment System (FPS)Hong Kong SARHKD, CNYInstant
CNAPSChina (domestic)CNYRTGS / ACH
CIPSGlobal (RMB cross-border)CNY (RMB)Cross-border RTGS
GCC and MENA rails, including instant and cross-border systems.
RailCountryCurrencyType
Sarie / SARIESaudi ArabiaSARInstant + batch
UAEFTS / local RTGS & ACHUAEAED (multi-currency for some flows)RTGS / batch
BunaArab region (cross-border)AED, SAR, EGP, USD, EUR (and others)Cross-border RTGS / instant
InstaPay (overlay)EgyptEGPInstant
Other GCC instant railsGCC (e.g. Qatar, Bahrain, Oman, Kuwait)Local currenciesInstant
Account-based rails alongside mobile money ecosystems.
RailCountryCurrencyType
NIBSS Instant Payment (NIP)NigeriaNGNInstant
GhIPSS Instant Pay (GIP)GhanaGHSInstant
PayShapSouth AfricaZARInstant
RTGS / ACH systemsVarious African marketsLocal currenciesRTGS / batch
Mobile money rails (M-Pesa, MTN MoMo, Airtel Money, etc.)Kenya, TZ, UG, GH, othersKES, TZS, UGX, GHS, etc.Wallet rails
Required Fields The required fields for a Payment Instruction depend on the payment method and the country. Each method has its own set of required data.

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Usage

To create a payment instruction simply ensure the correct combination of country, currency, payment method, and required fields. You can submit payment instructions for an identity with the following endpoint:
Endpoint: POST /identities/{id}/payment-instructions
payment-instruction
{
  "country": "CountryCode",
  "currency": "FiatCurrencyId",
  "name": "Name of Payment Instruction",
  "paymentMethod": "PaymentMethod",
  "details": "PaymentInstructionDetails"
}
Payment Instructions
  • US
  • Europe
  • Africa
  • LatAm
In the United States, Payment Instructions offer two methods: ACH and Wire. The data required for both payment methods is the same:
We require a valid street address when creating US payment instructions. Address should start with a street number.

Example: 99 Central Street
{
  "country": "US",
  "currency": "USD",
  "name": "Personal USD Account",
  "paymentMethod": "ACH", // ACH, Wire

  "details": {
    "accountHolderName": "John Doe",
    "bankAccountNumber": "123456789",
    "bankAccountType": "Checking", // Savings
    "bankName": "Bank of America",
    "bankRoutingNumber": "026009593",

    "address": {
      "street1": "123 Main St",
      "street2": "Apt 4B",
      "city": "Los Angeles",
      "state": "CA",
      "country": "US",
      "postalCode": "90001"
    }
  }
}
Borderless does not validate the accuracy of the provided payment instruction details upon creation, only the format is checked.The primary validation is performed by the PFI at the time of transaction execution. This means that if the payment instruction contains incorrect details, you may receive a failureReason during the withdrawal process.It is responsibility of Integrator to validate the correctness of the provided data when creating payment instructions.
If you have any questions, please don’t hesitate to reach out to us via email or slack.