Move · Payment rails · Intrabank, payroll & tax

Intrabank transfers, payroll and tax payments, through one API.

Moving money between your own accounts, running payroll and paying tax each use a different bank service and file format. Acme connects them for you, so finance teams send them the same way as every other payment.

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Intrabank, payroll and taxExample data
Treasury top-upBook transfer · SCB SG
250,000.00 SGDCompleted
October payroll · 48 paymentsPayroll · SCB SG
186,400.00 SGDCompleted
Tax paymentTax (barcode) · Citi Brazil
32,500.00 BRLProcessing
Every payment is followed to a final status from the bank.

Why run these payments through Acme

Same-bank transfers, no clearing

Book transfers move money between accounts at the same bank without going through a clearing network.

Payroll on the bank's own service

Send salary payments in bulk on the bank's payroll service, with each payment tracked.

Tax and bills in the right format

Barcodes, biller codes and tax fields are mapped to each bank's format, such as JomPAY, BPAY and Brazil tax payments.

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.

Available in the following markets

Pick intrabank, payroll or tax and bills to see what 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 →Cross-border & RTGSTT, MEPS+, RENTAS, CHATS, CHAPS and more.See cross-border 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 →

The same request as every other payment

A book transfer uses the same payment request as any other rail. Acme builds the 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.
  • What is a book transfer?
    A transfer between two accounts held at the same bank. It's booked inside the bank rather than sent through a clearing network, so it's often the fastest and cheapest way to move money between your own accounts or to a payee at the same bank.
  • Can you run payroll for us?
    We send the salary payments you instruct to your bank's payroll service and track each one. Calculating pay, deductions and statutory contributions stays with your payroll system.
  • Which tax and bill payments are supported?
    JomPAY in Malaysia, BPAY in Australia, tax payments in Vietnam, and tax (barcode), boleto and utility bill payments in Brazil. Tell us the payee or biller and we'll confirm.
    • Don't see your market or need a bank that isn't listed? Tell us what you need.
    Contact salesSee the API docs