ACH and RTP Payouts in the US — New Banking Partner & Bank Account Rules

Published on February 18, 2026.

We're launching ACH and RTP payouts in the US with a new banking partner — no Virtual Accounts needed.

All ACH and RTP bank accounts have been deprecated. New fields and rules apply to bank account creation for both ACH and RTP.

TL;DR

ACH and RTP payouts now available in the US with a new banking partner (no Virtual Accounts)
All existing ACH and RTP bank accounts are deprecated — new accounts must be created with the new rules
Business receivers require business_industry (NAICS code)
Individual receivers require local tax_id (e.g. CPF for Brazil, SSN for US)
ACH and RTP payouts are capped at $50K for now
All USD payouts will go to compliance_reviewing for manual review during the first few days

Business receivers: You must add business_industry (NAICS code) when the receiver is a business.
Individual receivers: You must set tax_id to the local tax ID for the beneficiary's country (e.g. CPF for Brazil, SSN for the US). The system validates and formats it per country where required.

All ACH and RTP payouts are capped at $50K for now.
All USD payouts will be pushed to compliance_reviewing status so our team can manually review them for the first few days.

These rules apply to both ACH and RTP bank account creation.

business_industry (NAICS code) is required when the receiver or account class is "business".

tax_id must be the local tax ID for the beneficiary’s country (e.g. CPF for Brazil, SSN for the US). The system validates and formats it per country where required.

phone_number is required when the beneficiary’s country is one of: BR, CN, CO, HK, MY, MX, PH, UG, UY.

tax_id is required when the beneficiary’s country is one of: AR, BY, BR, CL, CN, CO, CR, EC, GT, HN, JP, KZ, KR, MX, PK, PE, PH, RU, TH, UY.

Action required: Recreate any ACH or RTP bank accounts with the new required fields and rules. Do not use deprecated ACH or RTP bank accounts.