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Supported payout methods

Payout methodCurrenciesTypical timing
Faster Payment SystemCNY, HKD0-1 business days
Real-Time Gross Settlement (RTGS)CNY, HKD, USD0-1 business days
ACHCNY, HKD1-2 business days
International Wire TransferSee below0-3 business days
Please refer to the sections below for the key required fields and other considerations for each supported method.

Faster Payment System

Hong Kong Faster Payment System (FPS)

Supported currencies

CNY, HKD

Timing

AttributeValue
Processing windowSame day
Typical delivery0-1 business days
Business day dependencyYes
Supports instantYes

Transaction limits

Limit typeValue
MinimumNone
Maximum10,000,000 HKD

Fields

Payout Method Type

payout_method_type
string
required
Value: HongKongFps

Transfer Method

routing_type1
string
required
Value: One of bank_code, phone_number, email_address, fps_identifier, personal_id_number

Transfer Method Value

routing_value1
string
required
Bank code (3 digits), phone (+852-12345678), email, FPS ID (7-9 digits), or HKID (Xnnnnnn(A))Example: Enter value based on selected method

Account Number

account_number
string
Account number (8-17 digits). Required when using bank code. The first 3 digits are usually a valid branch code from the bank selectedValidation:
  • Between 8 and 17 characters (inclusive).
  • Must match this regular expression: ^[0-9]{8,17}$
Example: 12345678901234567

Currency

currency
string
required
Value: One of HKD, CNY

Real-Time Gross Settlement (RTGS)

Hong Kong Real-Time Gross Settlement (RTGS)

Supported currencies

CNY, HKD, USD

Timing

AttributeValue
Processing windowSame day
Typical delivery0-1 business days
Business day dependencyYes
Supports instantNo

Transaction limits

Limit typeValue
MinimumNone
MaximumNone

Fields

Payout Method Type

payout_method_type
string
required
Value: HongKongRtgs

SWIFT / BIC Code

swift_code
string
required
8 or 11 character SWIFT code of recipient bank. Should be a valid and supported BIC-8 or BIC-11 codeValidation:
  • Between 8 and 11 characters (inclusive).
  • Must match this regular expression: ^[A-Z]{6}[A-Z0-9]{2}([A-Z0-9]{3})?$
  • bic
Example: HSBCHKHH

Account Number

account_number
string
required
Account number (8-17 digits). The first 3 digits are usually a valid branch code from the bank selectedValidation:
  • Between 8 and 17 characters (inclusive).
  • Must match this regular expression: ^[0-9]{8,17}$
Example: 12345678901234567

Currency

currency
string
required
Value: One of HKD, CNY, USD

ACH

Hong Kong ACH payment system

Supported currencies

CNY, HKD

Timing

AttributeValue
Processing windowBusiness days
Typical delivery1-2 business days
Business day dependencyYes
Supports instantNo

Transaction limits

Limit typeValue
MinimumNone
MaximumNone

Fields

Payout Method Type

payout_method_type
string
required
Value: HongKongAch

Routing Type

routing_type1
string
required
Value: bank_code

Bank Code

routing_value1
string
required
3-digit number to identify a bank in Hong KongValidation:
  • Exactly 3 characters.
  • Must match this regular expression: ^[0-9]{3}$
Example: 004

Account Number

account_number
string
required
Account number (8-17 digits). The first 3 digits are usually a valid branch code from the bank selectedValidation:
  • Between 8 and 17 characters (inclusive).
  • Must match this regular expression: ^[0-9]{8,17}$
Example: 12345678901234567

Currency

currency
string
required
Value: One of HKD, CNY

International Wire Transfer

International wire transfer via SWIFT network

Supported currencies

AOA, ARS, AUD, BDT, BGN, BRL, BWP, CAD, CHF, COP, CZK, DKK, EGP, EUR, GBP, GMD, HKD, HUF, IDR, ILS, INR, JPY, KES, KRW, LKR, LSL, MAD, MGA, MWK, MYR, NAD, NGN, NOK, NZD, PEN, PHP, PLN, PYG, RON, RWF, SEK, SGD, THB, TRY, USD, UYU, VND, XAF, XOF, ZAR, ZMW

Timing

AttributeValue
Processing windowBusiness days
Typical delivery0-3 business days
Business day dependencyYes
Supports instantNo

Transaction limits

Limit typeValue
MinimumNone
MaximumNone

Fields

Payout Method Type

payout_method_type
string
required
Value: SwiftInternational

Currency

currency
string
required
Value: One of AOA, ARS, AUD, BDT, BGN, BRL, BWP, CAD, CHF, COP, CZK, DKK, EGP, EUR, GBP, GMD, HKD, HUF, IDR, ILS, INR, JPY, KES, KRW, LKR, LSL, MAD, MGA, MWK, MYR, NAD, NGN, NOK, NZD, PEN, PHP, PLN, PYG, RON, RWF, SEK, SGD, THB, TRY, USD, UYU, VND, XAF, XOF, ZAR, ZMW

Recipient Bank SWIFT/BIC Code

swift_code
string
required
8 or 11 character SWIFT code of recipient bankValidation:
  • Between 8 and 11 characters (inclusive).
  • Must match this regular expression: ^[A-Z]{6}[A-Z0-9]{2}([A-Z0-9]{3})?$
  • bic
Example: HASEHKHH

Routing Type

routing_type1
string
required
Value: bic

Intermediary Bank SWIFT/BIC (Optional)

routing_value1
string
Required if routing through correspondent bankValidation:
  • Between 8 and 11 characters (inclusive).
  • Must match this regular expression: ^[A-Z]{6}[A-Z0-9]{2}([A-Z0-9]{3})?$
  • bic
Example: CHASUS33

Account Number

account_number
string
required
Validation:
  • Between 8 and 17 characters (inclusive).
  • Must match this regular expression: ^[A-Za-z0-9]{8,17}$
Example: 786005728434

Notes

  • All payments sent via SWIFT will be instructed such that the full value of the payment should credit the beneficiary. However, Acclaim is not in control of intermediary bank adherence to SWIFT messages and cannot guarantee that the beneficiary bank will not charge their account holder for receipt of payment.
Last modified on March 29, 2026