Which currencies and payment rails may be available through Quppy Business?

An approved Quppy Business configuration may include EUR, GBP and USD and access to SEPA, SEPA Instant, Faster Payments, SWIFT and ACH. Not every currency, direction or rail is available to every company. The exact account details, incoming and outgoing capabilities, limits, providers, fees and processing conditions are confirmed in the individual customer offer.

最終確認日：2026-08-21

Article facts

Field	Visible value
Potential currencies	EUR, GBP and USD
EUR rails	SEPA and SEPA Instant where approved
GBP rail	Faster Payments where approved
International rail	SWIFT where approved
USD rail	ACH where approved
Every rail for every customer	No
Directions and limits	Defined in individual offer
Third-party fees	Possible, especially for international routes
Last reviewed	2026-08-21

EUR: SEPA and SEPA Instant

SEPA is used for euro-denominated transfers between participating institutions in the Single Euro Payments Area. SEPA Instant is designed for eligible rapid euro payments when both institutions, the transaction and the service are eligible.

SEPA Instant should not be treated as guaranteed for every euro payment. The route, limits and fallback behaviour depend on the approved provider configuration.

GBP: Faster Payments

Faster Payments is a UK payment network for eligible domestic GBP transfers. Access can depend on the account details, participating institutions, transaction direction and approved limits.

A GBP balance or GB IBAN does not by itself prove that every incoming and outgoing Faster Payments function is enabled.

USD: ACH

ACH is a US network used for eligible domestic USD payments. It may support qualifying collections, supplier payments or other commercial transfers where the approved account configuration includes the required US account details and payment type.

International payments: SWIFT

SWIFT is commonly used for international payment messages and transfers that cannot be completed through a local or regional rail. A payment may involve correspondent or intermediary institutions.

Timing, fees and the final amount received can depend on:

currencies and route;
correspondent institutions;
charge option such as SHA, OUR or BEN where supported;
beneficiary-bank charges;
cut-off times;
compliance review.

How is a payment rail selected?

The appropriate rail depends on currency, beneficiary country, payment purpose, urgency, cost and the capabilities enabled for the account. Quppy should show or explain the route used before a payment is confirmed where the interface supports route selection.

Why can availability differ between companies?

The underlying provider, account details, jurisdictions, customer profile, transaction type and limits can differ. The public list describes potential capabilities, while the individual offer is the authoritative source for the company.

FAQ

Does every Quppy Business customer receive EUR, GBP and USD?

No. The available currencies are determined during onboarding and stated in the individual offer.

Are SEPA Instant payments always instant?

No. Both participating institutions, the transaction and the service must be eligible.

Is Faster Payments available for every GBP transaction?

No. Availability depends on the account details, participating institutions, direction, limits and provider configuration.

Can intermediary banks deduct fees from SWIFT payments?

Yes. Correspondent, intermediary or beneficiary institutions may apply charges outside Quppy’s control.

Is ACH available for every USD payment?

No. It depends on the approved US account details, payment type and provider configuration.

When are limits confirmed?

Limits are stated in the individual offer or current account settings after the review.

Can a payment be reviewed even when the rail is available?

Yes. Payments remain subject to sanctions, compliance, provider and payment-network checks.

Explanatory note

This article explains the intended or current Quppy Business configuration. The individual customer offer, applicable Quppy and provider agreements, approved account settings and information shown in the Business dashboard prevail if they differ from this article.

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Business accounts

What is Quppy Business?

Quppy Business is the business-payment experience developed under the Quppy brand for eligible legal entities. Depending on the company’s approved configuration, it may provide access to EUR, GBP and USD balances, supported payment rails, dedicated or virtual account identifiers and merchant-settlement flows. Quppy provides the connected technology and user experience; the legal entities providing payment or crypto services are identified in the customer offer and applicable agreements.

Business accounts

What is a dedicated GB IBAN?

A dedicated GB IBAN is an account identifier assigned for use by a specific approved business customer under the applicable account arrangement. It may be used for eligible commercial payments or settlement flows, depending on the underlying provider, currencies and payment rails. Not every Quppy Business customer receives a dedicated GB IBAN.

Business accounts

What is a virtual IBAN?

A virtual IBAN is an account identifier linked to an underlying account arrangement and used to identify or reconcile incoming payments. It can be assigned to a customer, acquirer, store, website, legal entity, project, country or payment flow. A virtual IBAN does not necessarily constitute a separate bank account, and availability depends on the approved Quppy Business configuration.

Business accounts

How does Quppy Business onboarding work?

Quppy Business onboarding is completed online and normally includes a company application, corporate documents, verification of directors and beneficial owners, evidence of business activity and a compliance review. Approved companies receive an individual offer describing the currencies, account details, payment rails, limits, pricing, permitted use, providers and terms available to them. The timeline depends on the company and completeness of the information.