Move · Payment rails · Cross-border & RTGS

Cross-border and high-value payments, through one API.

Telegraphic transfers, book transfers and RTGS rails each come with their own bank formats, cut-offs and portals. Acme connects them for you, so treasury and ops teams send every high-value payment the same way.

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Cross-border and high-valueExample data
Overseas supplierTelegraphic transfer · from DBS SG
48,000.00 USDCompleted
Treasury transferMEPS+ · from UOB SG
1,200,000.00 SGDCompleted
SettlementCHATS · from HSBC HK
900,000.00 HKDProcessing
Every payment is followed to a final status from the bank.

Why run cross-border and RTGS through Acme

One request format

The same payment request for a telegraphic transfer, a book transfer or an RTGS payment.

Approvals before release

Turn on maker-checker so a second person approves each high-value payment.

Followed to a final status

We track each payment until the bank confirms it, and give you the bank's reason if it's rejected.

Format changes handled

Bank migrations such as ISO 20022 are absorbed by Acme, not your engineers.

Available in the following markets

Pick cross-border or high-value to see the local rails Acme connects in each market.

Rails Acme has built, by market. Which ones you can use depends on the banks you hold accounts with. For banks by market, see Bank coverage.

Real-time paymentsFAST, PayNow, DuitNow, FPS and more.See real-time rails →Direct debit & ACHeGIRO, eDDA, FPX Direct Debit, GIRO and more.See direct debit rails →Bank coverageEvery bank and market Acme connects, in one list.See bank coverage →

One request format, local or cross-border

A telegraphic transfer, a book transfer and an RTGS payment use the same request. Acme builds each bank's format and sends you a webhook when the bank answers.

Payment type
Example values. Amounts are in minor units. See every field in the API reference ↗.


FAQ
  • Can we use every rail listed?
    The list shows the rails Acme has built in each market. Which ones you can use depends on where you hold accounts and what each bank approves for you. Tell us your banks and we'll confirm, or see Bank coverage for banks by market.
  • When should we use RTGS instead of a real-time rail?
    RTGS rails such as MEPS+, RENTAS and CHATS are built for high-value payments that need same-day settlement. Real-time rails usually have lower per-payment limits. We'll help you choose per market.
  • Do you convert currency?
    No. Acme sends your payment instruction to your bank, and any FX happens at your bank on your terms. Acme never holds your funds.
  • What happens when a bank moves to ISO 20022?
    We handle the format change for you as part of keeping the connection live. Your API requests stay the same.
    • Don't see your market or need a bank that isn't listed? Tell us what you need.
    Contact salesSee the API docs