> ## Documentation Index
> Fetch the complete documentation index at: https://docs.iron.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment Methods

> Supported payment rails and virtual accounts.

## Payment Rails

The following table outlines our supported payment methods.

| **Payment Method** | **Description**                                                      | **Availability** |
| ------------------ | -------------------------------------------------------------------- | ---------------- |
| **SEPA (Instant)** | Instant EEA transactions sub €100k                                   | ✅                |
| **SEPA (Credit)**  | Usually 24 hours for transactions greater than €100k                 | ✅                |
| **ACH**            | Common for domestic transfers within the US                          | ✅                |
| **Wire**           | Common for domestic transfers within the US                          | ✅                |
| **Chaps**          | Common for domestic transfers within the UK                          | ✅                |
| **FPS**            | Common for domestic transfers within the UK                          | ✅                |
| **SWIFT Inbound**  | SWIFT Network payment from an external bank into the Virtual Account | ✅                |
| **SWIFT Outbound** | SWIFT Network payment outwards to an external fiat bank account      | Coming Soon      |

## Bank Cutoff Windows

| **Bank**             | **Rail**       | **Cutoff Time**                          | **Notes**                                                                                                                |
| -------------------- | -------------- | ---------------------------------------- | ------------------------------------------------------------------------------------------------------------------------ |
| **Lead Bank**        | Same-Day ACH   | Mon-Fri, 10:30 AM / 2:45 PM / 4:45 PM ET | Three daily windows aligned with FedACH. Submissions after cutoff are queued for the next window.                        |
| **Lead Bank**        | Wire (FedWire) | Mon-Fri, 4:00 PM CT                      | Wires submitted after cutoff are processed the next business day. Fedwire operates 8:00 PM CT (prior day) to 6:00 PM CT. |
| **Cross River Bank** | Same-Day ACH   | Mon-Fri, 10:00 AM / 1:00 PM / 4:00 PM ET | Three daily submission windows (morning, afternoon, evening).                                                            |
| **Cross River Bank** | Wire           | Mon-Fri, per partner agreement           | Wires received after your contractual cutoff are processed the next business day.                                        |

## Named Virtual Accounts

A virtual account is a FBO account at our banking partner/s in the name of the customer.

| **Tool**  | **Description**                                                             | **Availability** |
| --------- | --------------------------------------------------------------------------- | ---------------- |
| **VIBAN** | EU IBAN enabling localized payments as if using a traditional bank account. | ✅                |
| **AN**    | US account and routing number for receiving domestic USD payments.          | ✅                |

<Note>
  Virtual Accounts serve as payment target addresses and are not intended for holding funds permanently. These accounts work for first-party payment and third-party payment.
</Note>