Move · Payment rails · Real-time

Real-time payments on every market's instant rail.

Each market's instant rail needs its own bank-specific integration. Acme builds them for you, so FAST in Singapore, DuitNow in Malaysia and FPS in Hong Kong all work through the same API.

Talk to us
Instant payouts, one APIExample data
Supplier payoutFAST · from DBS SG
8,500.00 SGDCompleted
Customer refundDuitNow · from UOB MY
2,300.00 MYRCompleted
Partner payoutFPS · from HSBC HK
12,000.00 HKDCompleted
Same request every time. Acme builds the right format for each bank and rail.

Why run real-time payments through Acme

One request format

Send the same payment request for every rail. Acme builds each bank's format.

A final status for every payment

The bank's reference when it completes, and the bank's reason when it doesn't.

Collect in real time too

PayNow QR and hosted checkout in Singapore, FPS in Hong Kong, and real-time credit notices where the bank offers them.

Built and run for you

We keep each bank connection live through format and certificate changes.

Available in the following markets

Pick pay out or collect to see the local instant 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.

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 →PayNowCollect via PayNow and PayLah! with settlement straight to your bank.See PayNow →

One request format for every instant rail

Switch the payment type and the request stays the same shape. 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.
  • Do we need a separate integration for each market?
    No. Your team integrates once with Acme. We build and run each bank's connection behind the same API.
  • How do we know an instant payment went through?
    Each payment moves to a final status from the bank's answer, with the bank's reference or its reason for rejecting it. We send a webhook on every change.
  • Can we collect in real time too?
    Yes. PayNow QR and hosted checkout with PayNow or PayLah! in Singapore, FPX in Malaysia and FPS in Hong Kong, plus real-time credit notices where the bank offers them. See the PayNow page for Singapore collections.
    • Don't see your market or need a bank that isn't listed? Tell us what you need.
    Contact salesSee the API docs