US Hub

The cut-off times refer to EST operating hours, Monday to Friday, unless specified otherwise, aligned with the applicable Daylight Saving Time.

T+0 means that payments instructed before the cut-off time are delivered on the same day. T+1 means that they are delivered on the next business day. T+2 means that they are delivered two business days later.

Superscript numbers, for example ¹, refer to notes after the table.

US domestic payments coverage

A payment is classified as "domestic" when the currency is sent to its country of origin (e.g. USD to the US), and Vitesse maintains a local bank or partner relationship to process the payment via the country’s domestic payment network.
By utilising our domestic payment network, the full value of the payment is delivered without any deductions by correspondent or intermediary banks.

1. Includes the Crown Dependencies. The maximum transaction amount is £1,000,000. Vitesse routes payments above £1,000,000 through SWIFT. See SWIFT coverage below.
2. This route currently requires manual processing by the UK team, which may delay the service provided. The settlement time above does not account for this manual processing.

   • The transactions will originate in the US, but are processed in the EU.

   • Address in a structured format is mandatory for EUR, as well as for any other scheme and currency supported in the US.

   • This currency is disabled by default for all Merchants, and requires Vitesse approval before enabling.

   • Notify Vitesse in advance to ensure sufficient funding and processing capacity.

3. The maximum transaction amount is 1,400,000 INR. Vitesse routes payments above 1,400,000 INR, through SWIFT. See SWIFT coverage below.

SWIFT payments coverage

Vitesse uses SWIFT when a payment is sent outside the currency's domestic country (for example, GBP to the US) or when domestic payment coverage is unavailable through our bank and partner network. SWIFT provides global payment coverage where domestic networks are not available.