# LATAM

This section summarizes all **supported payout channels**, their **SLAs**, and **maximum limits** per transaction to help you plan cross-border operations efficiently.

> **Definitions**
>
> * **Settlement Time:** The time when funds are credited to the beneficiary account.
> * **Cut-off Time:** The latest time a payout can be submitted for same-day processing.
> * **T+0:** Same-day settlement.
> * **T+1:** Next-business-day settlement.

***

### :flag\_ar: Argentina

<details>

<summary>View Details</summary>

| Payment Type  | Network | Currency | Settlement Time | Cut-off Time                          | Max Amount       |
| ------------- | ------- | -------- | --------------- | ------------------------------------- | ---------------- |
| Bank Transfer | COELSA  | ARS      | Real Time       | N/A (24/7, incl. weekends & holidays) | No maximum limit |

</details>

### :flag\_bo: Bolivia

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<summary>View Details</summary>

| Payment Type  | Network | Currency | Settlement Time | Cut-off Time       | Max Amount       |
| ------------- | ------- | -------- | --------------- | ------------------ | ---------------- |
| Bank Transfer | SCP     | BOB      | 5–30 minutes    | 22:00 local (24/7) | No maximum limit |

</details>

### :flag\_ar: Brazil

<details>

<summary>View Details</summary>

| Payment Type  | Network | Currency | Settlement Time | Cut-off Time                                  | Max Amount       |
| ------------- | ------- | -------- | --------------- | --------------------------------------------- | ---------------- |
| Bank Transfer | TED     | BRL      | Real Time       | 17:00 (weekends/holidays → next business day) | No maximum limit |
| Bank Transfer | PIX     | BRL      | Real Time       | N/A (24/7)                                    | No maximum limit |

</details>

### :flag\_cl: Chile

<details>

<summary>View Details</summary>

| Payment Type  | Network          | Currency | Settlement Time | Cut-off Time                                        | Max Amount       |
| ------------- | ---------------- | -------- | --------------- | --------------------------------------------------- | ---------------- |
| Bank Transfer | TEF              | CLP      | Real Time       | N/A (24/7)                                          | CLP 7,000,000    |
| Bank Transfer | TEF (High-Value) | CLP      | \~1 hour        | 15:30 local (weekends/holidays → next business day) | No maximum limit |

</details>

### :flag\_co: Colombia

<details>

<summary>View Details</summary>

| Payment Type  | Network   | Currency | Settlement Time | Cut-off Time                                        | Max Amount       |
| ------------- | --------- | -------- | --------------- | --------------------------------------------------- | ---------------- |
| Bank Transfer | ACH       | COP      | T+0             | 15:00 local (weekends/holidays → next business day) | No maximum limit |
| Bank Transfer | Transfiya | COP      | Real Time       | N/A (24/7)                                          | COP 50,000,000   |

</details>

### :flag\_cr: Costa Rica

<details>

<summary>View Details</summary>

| Payment Type  | Network | Currency | Settlement Time | Cut-off Time                                        | Max Amount              |
| ------------- | ------- | -------- | --------------- | --------------------------------------------------- | ----------------------- |
| Bank Transfer | SINPE   | CRC      | T+0             | 18:00 local (weekends/holidays → next business day) | USD 10,000 (equivalent) |

</details>

### :flag\_do: Dominican Republic

<details>

<summary>View Details</summary>

| Payment Type  | Network | Currency | Settlement Time | Cut-off Time                                        | Max Amount              |
| ------------- | ------- | -------- | --------------- | --------------------------------------------------- | ----------------------- |
| Bank Transfer | ACH     | DOP      | T+0             | 11:00 local (weekends/holidays → next business day) | USD 10,000 (equivalent) |
| Bank Transfer | LBTR    | DOP      | T+0             | 14:00 local (weekends/holidays → next business day) | USD 10,000 (equivalent) |

</details>

### :flag\_gt:Guatemala

<details>

<summary>View Details</summary>

| Payment Type  | Network | Currency | Settlement Time | Cut-off Time                                        | Max Amount       |
| ------------- | ------- | -------- | --------------- | --------------------------------------------------- | ---------------- |
| Bank Transfer | IFT     | GTQ      | Real Time       | 21:00 local (24/7)                                  | GTQ 20,000       |
| Bank Transfer | ACH     | GTQ      | T+0             | 15:30 local (weekends/holidays → next business day) | No maximum limit |

</details>

### :flag\_hn:Honduras

<details>

<summary>View Details</summary>

| Payment Type  | Network    | Currency | Settlement Time | Cut-off Time                                        | Max Amount              |
| ------------- | ---------- | -------- | --------------- | --------------------------------------------------- | ----------------------- |
| Bank Transfer | ACH Pronto | HNL      | Real Time       | 22:00 local (weekends/holidays → next business day) | USD 10,000 (equivalent) |

</details>

### :flag\_mx:Mexico

<details>

<summary>View Details</summary>

| Payment Type  | Network | Currency | Settlement Time | Cut-off Time | Max Amount       |
| ------------- | ------- | -------- | --------------- | ------------ | ---------------- |
| Bank Transfer | SPEI    | MXN      | Real Time       | N/A (24/7)   | No maximum limit |

</details>

### :flag\_pa:Panama

<details>

<summary>View Details</summary>

| Payment Type  | Network | Currency | Settlement Time | Cut-off Time                                        | Max Amount       |
| ------------- | ------- | -------- | --------------- | --------------------------------------------------- | ---------------- |
| Bank Transfer | ACH     | USD      | T+0             | 13:30 local (weekends/holidays → next business day) | No maximum limit |

</details>

### :flag\_py:Paraguay

<details>

<summary>View Details</summary>

| Payment Type  | Network            | Currency | Settlement Time | Cut-off Time                                        | Max Amount       |
| ------------- | ------------------ | -------- | --------------- | --------------------------------------------------- | ---------------- |
| Bank Transfer | SIPAP              | PYG      | Real Time       | N/A (24/7)                                          | PYG 5,000,000    |
| Bank Transfer | SIPAP (High-Value) | PYG      | Real Time       | 17:30 local (weekends/holidays → next business day) | No maximum limit |

</details>

### :flag\_pe:Peru

<details>

<summary>View Details</summary>

| Payment Type  | Network          | Currency | Settlement Time | Cut-off Time                                        | Max Amount       |
| ------------- | ---------------- | -------- | --------------- | --------------------------------------------------- | ---------------- |
| Bank Transfer | CCE              | PEN      | Real Time       | N/A (24/7)                                          | PEN 30,000       |
| Bank Transfer | CCE (High-Value) | PEN      | T+0             | 13:30 local (weekends/holidays → next business day) | No maximum limit |
| Wallet        | CCE (Wallet)     | PEN      | Real Time       | N/A (24/7)                                          | PEN 500          |

</details>

***

### 🛠 Notes & Considerations

* **Cut-off times** refer to each country’s **local time**.
* **High-Value Transfers** (TEF in Chile, SIPAP in Paraguay, CCE in Peru) have distinct SLA windows.