PSPs & Banks

These partners act as two-way rails:

• Top-ups (inbound): fund your 3Pay balance using local money services or bank transfers.
• Payouts (outbound): withdraw stablecoins or fiat into PSPs, custody wallets, or bank accounts.

✅ Supported Bank Transfers

• SEPA Transfers (EUR)

  • Processing time: T+1 business day
  • Coverage: Eurozone banks
  • Ideal for EU merchants who need fast, regulated EUR flows

• SWIFT Transfers (USD & other currencies)

  • Processing time: T+2 business days
  • Coverage: Global banks that participate in SWIFT
  • Ideal for international settlements in USD and cross-border payments

🔄 How it Works

1. Top-up: You or your customer deposit via PSP or bank corridor. 3PAY credits your wallet in stablecoins.
2. Payout: You request a transfer to a PSP or bank; your team approves; funds are released.
3. Settlement times: Instant or same-day for PSPs, T+1 for SEPA, T+2 for SWIFT.
4. Reconciliation: All PSP and bank payouts appear in your payout history for audit and reporting.

⚠️ Notes

• All PSP & bank payouts are team-managed and require manual approval.
• Fees vary by corridor and are listed separately in Fees & Reconciliation.
• Merchants requesting payouts outside business hours will be processed the next day.