Internacional · ACH · Wire · FedNow · SWIFT
International Payments: ACH, Wire, FedNow, SWIFT
Send and receive payments across borders with support for all major US and international payment rails. Real-time tracking, compliance built-in, and a single API for every rail.
Wire TransferCompleted
BeneficiaryAcme Corp Ltd
SWIFTNWBKGB2L
Amount$ 250,000.00
IMAD20260320MMQF...
FX Rate
5.42
BRL/USD
ETA
T+0
FedNow
Wire settled — $250K
OFAC cleared, GPI tracked
4
Payment rails
200+
Countries via SWIFT
35+
Currencies
T+0
FedNow settlement
OFAC
Native screening
ISO 20022
Messaging
4 payment rails, one API
Four major payment networks, unified under a single integration. Choose the right rail for speed, cost, and destination.
ACH (Automated Clearing House)
T+1 a T+3Support for all SEC codes including PPD, CCD, and WEB. Handle return codes R01 through R29 with automated retry logic. Settlement windows from T+1 to T+3 depending on entry class.
Wire / Fedwire
Same-dayReal-Time Gross Settlement (RTGS) with irrevocable finality. SWIFT BIC routing for international destinations. Full Fedwire IMAD tracking for end-to-end payment traceability.
FedNow
Seconds24/7/365 instant settlement with $500K per-transaction limit. Native ISO 20022 messaging format. Funds available in seconds, not days.
SWIFT
1-3 daysGlobal BIC routing to 11,000+ institutions in 200+ countries. Full support for legacy MT103/MT202 with migration path to pacs.008. GPI tracking for end-to-end visibility.
Each rail, one call
Fedwire RTGS
Real-time gross settlement with end-to-end IMAD tracking.
Wire — Request
1curl https://api.revenu.com/wire/transfer \2-u:prod_key \3-d beneficiary_name='Acme Corp' \4-d swift_bic='NWBKGB2L' \5-d amount=250000 \6-d currency='USD'▌
Response — 200 OK
{
"id": "wire_8f3a2b1c",
"status": "completed",
"imad": "20260320MMQF",
"amount": 250000,
"currency": "USD",
"settled_at": "2026-03-20T14:00:00Z"
}▌
Global payments, local compliance
Rails
ACH
Credits, debits, all SEC codes. Automatic retry for returns R01-R29.
Fedwire
RTGS with irrevocable finality. End-to-end IMAD tracking.
FedNow
Instant 24/7/365. Native ISO 20022, up to $500K per transaction.
SWIFT
11,000+ institutions, 200+ countries. MT103/MT202 and pacs.008. GPI tracking.
Compliance
AML/CFT Screening
Automated Anti-Money Laundering and Counter-Financing of Terrorism checks on every transaction. Real-time risk scoring with configurable thresholds.
OFAC Sanctions Screening
Real-time screening against OFAC SDN, Consolidated, and Sectoral Sanctions lists. Automated fuzzy matching with manual review queues for potential hits.
Currency Conversion
Competitive FX rates with transparent markup. Support for 35+ currencies with real-time rate locking and settlement in local currency.
GPI Tracking
End-to-end tracking via SWIFT GPI. Real-time status of each leg of international transfer.
Platform
Webhooks
Events for each stage: initiated, pending, clearing, settled, returned.
Native ISO 20022
Native pacs.008/pacs.002 messaging. No proprietary format translation.
Smart Retry
Retry logic for ACH returns with automatic classification by code.
Smart Routing
Automatic selection of fastest and cheapest rail by destination and amount.
Modern crossborder vs. legacy
Banco correspondente
Com Revenu
Rails
1-2 options
ACH + Wire + FedNow + SWIFT
Compliance
Manual / batch
OFAC + AML real-time
FX
Hidden spread
Transparent FX + lock
Tracking
No visibility
IMAD + GPI tracking
Settlement
T+2 a T+5
T+0 (FedNow) a T+1
Messaging
Proprietary formats
Native ISO 20022
Case Study
“We consolidated 3 crossborder providers into a single Revenu API. We reduced cost per transfer by 40% and settlement dropped from T+3 to T+0 with FedNow.”
Head of Treasury, Fintech Alpha
-40%
Cost per transfer
T+3 → T+0
Settlement time
200+
Countries reached
Test international payments now
Sandbox with simulated Wire, ACH, FedNow and SWIFT. Real-time test FX quotes.
Free sandbox4 simulated railsTest FX
Sandbox
Test crossborder
Wire and FX in sandbox.
Free sandbox environment · No credit card
OFAC & AML certified
BACEN
ISO 27001
PCI DSS v4.0
LGPD
MED 2.0
ISO 20022
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Direct access to complete banking infrastructure: accounts, cards, payments and capital. Build your financial products on your terms, without unnecessary intermediaries.