> ## Documentation Index
> Fetch the complete documentation index at: https://docs.withacclaim.com/llms.txt
> Use this file to discover all available pages before exploring further.

# United States

> Payout methods, timing, transaction limits, and required fields for payouts to United States.

## Supported payout methods

| Payout method               | Currencies | Typical timing    |
| --------------------------- | ---------- | ----------------- |
| FedNow                      | USD        | 0-1 business days |
| ACH                         | USD        | 0-2 business days |
| Wire Transfer               | USD        | 0-1 business days |
| International Wire Transfer | See below  | 0-3 business days |
| Paper Check                 | USD        | 2-6 business days |

Please refer to the sections below for the key required fields and other considerations for each supported method.

## FedNow

FedNow instant payment service for same-day domestic US payments

### Supported currencies

`USD`

### Timing

| Attribute               | Value             |
| ----------------------- | ----------------- |
| Processing window       | Same day          |
| Typical delivery        | 0-1 business days |
| Business day dependency | Yes               |
| Supports instant        | Yes               |

### Transaction limits

| Limit type | Value       |
| ---------- | ----------- |
| Minimum    | None        |
| Maximum    | 500,000 USD |

### Fields

#### Payout Method Type

<ResponseField name={"payout_method_type"} type="string" required>
  **Value:** `UnitedStatesFednow`
</ResponseField>

#### ABA Routing Number

<ResponseField name={"routing_value1"} type="string" required>
  9-digit FedNow routing number to identify a bank in the United States

  **Validation:**

  * Exactly 9 characters.
  * Must match this regular expression: `^[0-9]{9}$`
  * `routing_number`

  **Example:** `021000021`
</ResponseField>

#### Routing Type

<ResponseField name={"routing_type1"} type="string" required>
  **Value:** `aba`
</ResponseField>

#### Account Number

<ResponseField name={"account_number"} type="string" required>
  Your bank account number (up to 50 alphanumeric characters)

  **Validation:**

  * Between 1 and 50 characters (inclusive).
  * Must match this regular expression: `^[0-9A-Za-z]{1,50}$`

  **Example:** `1234567890`
</ResponseField>

## ACH

Automated Clearing House transfer for domestic US payments

### Supported currencies

`USD`

### Timing

| Attribute               | Value             |
| ----------------------- | ----------------- |
| Processing window       | Business days     |
| Typical delivery        | 0-2 business days |
| Business day dependency | Yes               |
| Supports instant        | No                |

### Transaction limits

| Limit type | Value             |
| ---------- | ----------------- |
| Minimum    | None              |
| Maximum    | 99,999,999.99 USD |

### Fields

#### Payout Method Type

<ResponseField name={"payout_method_type"} type="string" required>
  **Value:** `UnitedStatesAch`
</ResponseField>

#### ABA Routing Number

<ResponseField name={"routing_value1"} type="string" required>
  9-digit number found on the bottom of your check

  **Validation:**

  * Exactly 9 characters.
  * Must match this regular expression: `^[0-9]{9}$`
  * `routing_number`

  **Example:** `021000021`
</ResponseField>

#### Routing Type

<ResponseField name={"routing_type1"} type="string" required>
  **Value:** `aba`
</ResponseField>

#### Account Number

<ResponseField name={"account_number"} type="string" required>
  Your bank account number

  **Validation:**

  * Between 4 and 17 characters (inclusive).
  * Must match this regular expression: `^[0-9A-Za-z]{4,17}$`

  **Example:** `1234567890`
</ResponseField>

#### Account Type

<ResponseField name={"account_type"} type="string" required>
  **Value:** One of `checking`, `savings`
</ResponseField>

## Wire Transfer

Domestic wire transfer for same-day US payments

### Supported currencies

`USD`

### Timing

| Attribute               | Value             |
| ----------------------- | ----------------- |
| Processing window       | Same day          |
| Typical delivery        | 0-1 business days |
| Business day dependency | Yes               |
| Supports instant        | No                |

### Transaction limits

| Limit type | Value |
| ---------- | ----- |
| Minimum    | None  |
| Maximum    | None  |

### Fields

#### Payout Method Type

<ResponseField name={"payout_method_type"} type="string" required>
  **Value:** `UnitedStatesFedwire`
</ResponseField>

#### ABA Routing Number

<ResponseField name={"routing_value1"} type="string" required>
  9-digit routing number to identify a bank in the United States

  **Validation:**

  * Exactly 9 characters.
  * Must match this regular expression: `^[0-9]{9}$`
  * `routing_number`

  **Example:** `021000021`
</ResponseField>

#### Routing Type

<ResponseField name={"routing_type1"} type="string" required>
  **Value:** `aba`
</ResponseField>

#### Account Number

<ResponseField name={"account_number"} type="string" required>
  Your bank account number (up to 26 digits)

  **Validation:**

  * Between 1 and 26 characters (inclusive).
  * Must match this regular expression: `^[0-9]{1,26}$`

  **Example:** `1234567890`
</ResponseField>

## International Wire Transfer

International wire transfer via SWIFT network

### Supported currencies

`AUD`, `CAD`, `CHF`, `CNY`, `CZK`, `DKK`, `EUR`, `GBP`, `HKD`, `HUF`, `ILS`, `JPY`, `NOK`, `NZD`, `PLN`, `RON`, `SEK`, `SGD`, `THB`, `TRY`, `USD`, `ZAR`

### Timing

| Attribute               | Value             |
| ----------------------- | ----------------- |
| Processing window       | Business days     |
| Typical delivery        | 0-3 business days |
| Business day dependency | Yes               |
| Supports instant        | No                |

### Transaction limits

| Limit type | Value |
| ---------- | ----- |
| Minimum    | None  |
| Maximum    | None  |

### Fields

#### Payout Method Type

<ResponseField name={"payout_method_type"} type="string" required>
  **Value:** `SwiftInternational`
</ResponseField>

#### Currency

<ResponseField name={"currency"} type="string" required>
  **Value:** One of `AUD`, `CAD`, `CHF`, `CNY`, `CZK`, `DKK`, `EUR`, `GBP`, `HKD`, `HUF`, `ILS`, `JPY`, `NOK`, `NZD`, `PLN`, `RON`, `SEK`, `SGD`, `THB`, `TRY`, `USD`, `ZAR`
</ResponseField>

#### Recipient Bank SWIFT/BIC Code

<ResponseField name={"swift_code"} type="string" required>
  8 or 11 character SWIFT code of recipient bank

  **Validation:**

  * 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`
</ResponseField>

#### Routing Type

<ResponseField name={"routing_type1"} type="string" required>
  **Value:** `bic`
</ResponseField>

#### Intermediary Bank SWIFT/BIC

<ResponseField name={"routing_value1"} type="string" required={false}>
  Optional, only needed if routing through correspondent bank

  **Validation:**

  * 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`
</ResponseField>

#### Account Number

<ResponseField name={"account_number"} type="string" required>
  **Validation:**

  * Between 1 and 26 characters (inclusive).
  * Must match this regular expression: `^[0-9A-Za-z]{1,26}$`

  **Example:** `50001121`
</ResponseField>

### 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.

## Paper Check

Physical check mailed to your address

### Supported currencies

`USD`

### Timing

| Attribute               | Value             |
| ----------------------- | ----------------- |
| Processing window       | Business days     |
| Typical delivery        | 2-6 business days |
| Business day dependency | Yes               |
| Supports instant        | No                |

### Transaction limits

| Limit type | Value             |
| ---------- | ----------------- |
| Minimum    | None              |
| Maximum    | 99,999,999.99 USD |

### Fields

#### Payout Method Type

<ResponseField name={"payout_method_type"} type="string" required>
  **Value:** `PaperCheck`
</ResponseField>

### Notes

* We monitor each check until it is cashed or voided.
* If a check is not cashed within 90 days, it is cancelled and the payout is reversed. The funds return to your Acclaim balance.