Automatic routing to the optimal payment rail
Your platform now selects the right payment rail for every fiat transaction instead of defaulting to the first available method. For domestic transfers, the routing engine evaluates ACH and Fedwire — both use routing and account numbers, so the engine picks between them based on speed, cost, and transaction size. When the recipient supplies a BIC, international payments route through SWIFT. This eliminates manual rail selection and reduces failed transactions caused by incompatible payment methods.
Each transaction now stores the selected rail identifier in the database, so you have full visibility into which network processed which payment. You can track rail usage patterns across your transaction history to support compliance reporting and reconciliation. The system also supports multi-rail auto accounts, allowing a single account to receive payments via multiple networks simultaneously for maximum flexibility.
What's Changed
New
- Multi-rail support for onramp accounts. A single onramp account address can now accept funds via ACH, Wire, and Fedwire simultaneously. No need to provision separate accounts per payment method. Compatible rails are provisioned automatically based on account currency and jurisdiction, and the actual rail used is recorded on every incoming transaction.
Improvements
- Destination rail now derived from caller-selected method instead of defaulting to first available option.
- Per-transaction fiat rail tracking stored in the database for audit and analytics.
- Onramp accounts automatically expand inbound rail capabilities based on currency and location.
- Rail capabilities exposed through the API so you can display available payment options to end users dynamically.
- Fedwire rail aliases supported in sandbox simulation for testing wire transfers.