{
  "name": "hellobooks-public",
  "version": "1.5.0",
  "catalog": "payment-methods",
  "title": "Local payment methods",
  "description": "Local bank-rail and wallet methods for collection, AP, and payouts, with rail speed and HelloBooks support level.",
  "source": "https://agents.hellobooks.ai/catalog/payment-methods.json",
  "marketingUrl": "https://hellobooks.ai/integration",
  "dataSource": "static",
  "dateModified": "2026-09-23T00:00:00.000Z",
  "count": 30,
  "data": {
    "paymentMethods": [
      {
        "id": "in-upi",
        "country": "IN",
        "name": "UPI",
        "rail": "instant",
        "useCases": [
          "payroll",
          "contractor-payout",
          "invoice-collection",
          "b2b-supplier",
          "p2p"
        ],
        "authority": "NPCI",
        "helloProductSupport": "partner-only",
        "notes": [
          "Unified Payments Interface — 24x7 instant settlement via VPAs.",
          "Per-transaction limit ₹1,00,000 for most categories (₹2,00,000–5,00,000 for specific categories per NPCI circulars).",
          "Most-used invoice-collection rail in India; razored cost compared to card rails."
        ]
      },
      {
        "id": "in-rupay",
        "country": "IN",
        "name": "RuPay",
        "rail": "instant",
        "useCases": [
          "invoice-collection",
          "p2p"
        ],
        "authority": "NPCI",
        "helloProductSupport": "partner-only",
        "notes": [
          "Domestic card scheme; lower MDR than international cards. Useful for AR collection on HelloBooks invoices.",
          "RuPay credit cards on UPI are accepted via VPA-linked flows (NPCI 2022 enablement)."
        ]
      },
      {
        "id": "in-razorpay",
        "country": "IN",
        "name": "Razorpay (gateway + payouts)",
        "rail": "instant",
        "useCases": [
          "payroll",
          "contractor-payout",
          "invoice-collection",
          "b2b-supplier"
        ],
        "authority": "Razorpay (RBI-licensed PA / PSP)",
        "helloProductSupport": "live",
        "notes": [
          "Aggregator: routes UPI / IMPS / NEFT / RTGS / cards depending on amount and beneficiary.",
          "The canonical AR-collection integration on HelloBooks today (see src/data/integrations.ts)."
        ]
      },
      {
        "id": "in-imps",
        "country": "IN",
        "name": "IMPS",
        "rail": "instant",
        "useCases": [
          "payroll",
          "contractor-payout",
          "b2b-supplier",
          "p2p"
        ],
        "authority": "NPCI",
        "helloProductSupport": "partner-only",
        "notes": [
          "Immediate Payment Service — 24x7 inter-bank instant transfer.",
          "Per-transaction limit ₹5,00,000 (NPCI Oct-2021 circular). Often used as the supplier-payout fallback when UPI cap is exceeded."
        ]
      },
      {
        "id": "in-neft",
        "country": "IN",
        "name": "NEFT",
        "rail": "same-day",
        "useCases": [
          "payroll",
          "contractor-payout",
          "b2b-supplier"
        ],
        "authority": "Reserve Bank of India",
        "helloProductSupport": "partner-only",
        "notes": [
          "National Electronic Funds Transfer — settles in half-hourly batches, 24x7 (since Dec-2019).",
          "No per-transaction cap; suitable for bulk supplier disbursement."
        ]
      },
      {
        "id": "in-rtgs",
        "country": "IN",
        "name": "RTGS",
        "rail": "instant",
        "useCases": [
          "b2b-supplier"
        ],
        "authority": "Reserve Bank of India",
        "notes": [
          "Real-Time Gross Settlement — minimum ₹2,00,000 per transaction; settles continuously, 24x7 (since Dec-2020).",
          "Use for high-value supplier or vendor payouts where same-second settlement matters."
        ]
      },
      {
        "id": "gb-bacs",
        "country": "GB",
        "name": "BACS Direct Credit",
        "rail": "multi-day",
        "useCases": [
          "payroll",
          "contractor-payout",
          "b2b-supplier"
        ],
        "authority": "Pay.UK",
        "notes": [
          "Three-day cycle: file submitted Day 1, processed Day 2, credited Day 3.",
          "Cheapest UK rail for high-volume supplier-payment runs."
        ]
      },
      {
        "id": "gb-fps",
        "country": "GB",
        "name": "Faster Payments (FPS)",
        "rail": "instant",
        "useCases": [
          "payroll",
          "contractor-payout",
          "invoice-collection",
          "b2b-supplier",
          "p2p"
        ],
        "authority": "Pay.UK",
        "notes": [
          "Near-instant 24x7 inter-bank transfer; per-transaction limit £1,000,000 (most banks impose lower internal limits).",
          "Common for ad-hoc supplier payments and Open-Banking-initiated AR collection."
        ]
      },
      {
        "id": "gb-chaps",
        "country": "GB",
        "name": "CHAPS",
        "rail": "same-day",
        "useCases": [
          "b2b-supplier"
        ],
        "authority": "Bank of England",
        "notes": [
          "Same-day high-value sterling settlement; no upper limit. Bank fees apply per leg.",
          "Reserved for property completions, large supplier payments, or any leg where same-day finality matters."
        ]
      },
      {
        "id": "gb-open-banking",
        "country": "GB",
        "name": "Open Banking AIS / PIS",
        "rail": "instant",
        "useCases": [
          "invoice-collection",
          "contractor-payout"
        ],
        "authority": "Open Banking Ltd (FCA-supervised)",
        "notes": [
          "Account Information Services + Payment Initiation Services under PSD2. PIS pushes money via Faster Payments under the hood.",
          "Lower acceptance cost than card rails; the dominant new-build AR-collection option for UK SMBs."
        ]
      },
      {
        "id": "ca-interac-etransfer",
        "country": "CA",
        "name": "Interac e-Transfer",
        "rail": "instant",
        "useCases": [
          "payroll",
          "contractor-payout",
          "invoice-collection",
          "p2p"
        ],
        "authority": "Interac Corp",
        "notes": [
          "Canada-default A2A rail; sender uses email/SMS to push funds, recipient claims into linked bank.",
          "Common per-transaction cap CA$3,000–10,000 depending on bank; bulk B2B disbursement should fall back to EFT.",
          "Interac e-Transfer for Business raises the cap and supports automated deposit."
        ]
      },
      {
        "id": "ca-eft",
        "country": "CA",
        "name": "EFT (Electronic Funds Transfer)",
        "rail": "multi-day",
        "useCases": [
          "payroll",
          "contractor-payout",
          "b2b-supplier"
        ],
        "authority": "Payments Canada",
        "notes": [
          "1–3 business day settlement via the Automated Clearing Settlement System (ACSS).",
          "Pre-authorised debit / credit covered by Payments Canada Rule H1; the standard rail for AP and recurring billing."
        ]
      },
      {
        "id": "ca-ach",
        "country": "CA",
        "name": "ACH (cross-border)",
        "rail": "multi-day",
        "useCases": [
          "contractor-payout",
          "b2b-supplier"
        ],
        "authority": "Payments Canada / Nacha (cross-border)",
        "notes": [
          "Cross-border ACH from US-domiciled processors that route into Canadian EFT. Distinct from US domestic ACH.",
          "Useful for paying Canadian contractors from a US-based payroll processor; FX applied per processor."
        ]
      },
      {
        "id": "au-payid",
        "country": "AU",
        "name": "PayID",
        "rail": "instant",
        "useCases": [
          "payroll",
          "contractor-payout",
          "invoice-collection",
          "p2p"
        ],
        "authority": "NPP Australia",
        "notes": [
          "Identifier service on top of the New Payments Platform; route via mobile / ABN / email instead of BSB+account.",
          "Reduces incorrect-payment risk for ad-hoc supplier and contractor payouts."
        ]
      },
      {
        "id": "au-payto",
        "country": "AU",
        "name": "PayTo",
        "rail": "instant",
        "useCases": [
          "payroll",
          "invoice-collection",
          "b2b-supplier"
        ],
        "authority": "NPP Australia",
        "notes": [
          "Mandate-based real-time direct debit on NPP; replacement for legacy BECS direct debit.",
          "The recommended new-build rail for recurring SaaS billing and AR collection in AU."
        ]
      },
      {
        "id": "au-npp",
        "country": "AU",
        "name": "NPP (New Payments Platform)",
        "rail": "instant",
        "useCases": [
          "payroll",
          "contractor-payout",
          "invoice-collection",
          "b2b-supplier",
          "p2p"
        ],
        "authority": "NPP Australia",
        "notes": [
          "The underlying real-time rail; PayID and PayTo are services riding on top.",
          "Industry roadmap: AusPayNet plans to retire BECS direct entry by 2030, with NPP as the successor."
        ]
      },
      {
        "id": "au-bpay",
        "country": "AU",
        "name": "BPAY",
        "rail": "next-day",
        "useCases": [
          "invoice-collection",
          "b2b-supplier"
        ],
        "authority": "BPAY Group Limited",
        "notes": [
          "Bill-payment scheme using biller code + CRN. Customer-pull rather than business-push.",
          "Common AR-collection mechanism for AU utilities, telcos, and SMBs sending recurring invoices."
        ]
      },
      {
        "id": "au-eft-direct-entry",
        "country": "AU",
        "name": "EFT (Direct Entry / BECS)",
        "rail": "next-day",
        "useCases": [
          "payroll",
          "contractor-payout",
          "b2b-supplier"
        ],
        "authority": "AusPayNet",
        "notes": [
          "Bulk Electronic Clearing System — overnight ABA-file processing; the historic AU AP and payroll rail.",
          "Earmarked for retirement on the AusPayNet 2030 roadmap; greenfield integrations should target NPP/PayTo."
        ]
      },
      {
        "id": "us-ach-ccd-ppd",
        "country": "US",
        "name": "ACH (CCD / PPD)",
        "rail": "multi-day",
        "useCases": [
          "payroll",
          "contractor-payout",
          "b2b-supplier"
        ],
        "authority": "Nacha",
        "notes": [
          "Standard 1–2 business day batch rail. PPD = consumer (payroll Direct Deposit), CCD = corporate (B2B).",
          "CCD addenda carry remittance metadata for B2B supplier reconciliation."
        ]
      },
      {
        "id": "us-same-day-ach",
        "country": "US",
        "name": "Same Day ACH",
        "rail": "same-day",
        "useCases": [
          "payroll",
          "contractor-payout",
          "b2b-supplier"
        ],
        "authority": "Nacha",
        "notes": [
          "Three settlement windows per business day; per-transaction cap raised to $1,000,000 (2022).",
          "Use for off-cycle supplier disbursement that misses the standard ACH deadline."
        ]
      },
      {
        "id": "us-fedwire",
        "country": "US",
        "name": "Wire (Fedwire)",
        "rail": "same-day",
        "useCases": [
          "b2b-supplier",
          "contractor-payout"
        ],
        "authority": "Federal Reserve",
        "notes": [
          "Real-time gross settlement on Federal Reserve operating hours (extended to 22h since Apr-2024).",
          "Fees per leg ($15–35 typical); reserved for high-value supplier payments."
        ]
      },
      {
        "id": "us-zelle",
        "country": "US",
        "name": "Zelle",
        "rail": "instant",
        "useCases": [
          "invoice-collection",
          "p2p"
        ],
        "authority": "Early Warning Services (EWS)",
        "notes": [
          "Bank-network P2P; consumer-grade with limited merchant-side acceptance for B2B AR.",
          "Per-bank send limits typically $500–5,000/day; not viable as a primary AR rail for SMBs."
        ]
      },
      {
        "id": "us-rtp",
        "country": "US",
        "name": "RTP (Real-Time Payments)",
        "rail": "instant",
        "useCases": [
          "payroll",
          "contractor-payout",
          "invoice-collection",
          "b2b-supplier"
        ],
        "authority": "The Clearing House",
        "notes": [
          "24x7 instant credit transfer; per-transaction cap $10,000,000 (Feb-2025).",
          "FedNow (Federal Reserve, launched Jul-2023) is the alternative instant rail; coverage overlaps but is not identical."
        ]
      },
      {
        "id": "ae-wps-sif",
        "country": "AE",
        "name": "WPS-SIF (Wage Protection System Salary Information File)",
        "rail": "multi-day",
        "useCases": [
          "payroll"
        ],
        "authority": "Central Bank of the UAE / MOHRE",
        "notes": [
          "Mandatory rail for paying onshore UAE employees. Employer submits a SIF to its agent bank, which credits employee accounts via UAEFTS.",
          "Non-compliance triggers MOHRE penalties and can suspend new work permits.",
          "Free-zone authorities (DIFC, ADGM) operate parallel WPS schemes with the same SIF format.",
          "Outside HelloBooks default tool scope (payroll-only) — reachable via explicit useCase=payroll filter."
        ]
      },
      {
        "id": "sg-paynow",
        "country": "SG",
        "name": "PayNow",
        "rail": "instant",
        "useCases": [
          "payroll",
          "contractor-payout",
          "invoice-collection",
          "p2p"
        ],
        "authority": "Association of Banks in Singapore (ABS)",
        "notes": [
          "Identifier service on top of FAST; route by NRIC, mobile or UEN.",
          "PayNow Corporate (UEN-routed) is the preferred AR-collection and supplier-payout rail."
        ]
      },
      {
        "id": "sg-fast",
        "country": "SG",
        "name": "FAST",
        "rail": "instant",
        "useCases": [
          "payroll",
          "contractor-payout",
          "b2b-supplier",
          "p2p"
        ],
        "authority": "Association of Banks in Singapore (ABS)",
        "notes": [
          "Fast And Secure Transfers — 24x7 inter-bank instant rail underlying PayNow.",
          "Per-transaction cap raised to S$200,000 (2021)."
        ]
      },
      {
        "id": "sg-giro",
        "country": "SG",
        "name": "GIRO",
        "rail": "multi-day",
        "useCases": [
          "payroll",
          "invoice-collection",
          "b2b-supplier"
        ],
        "authority": "Association of Banks in Singapore (ABS)",
        "notes": [
          "Batch direct credit / direct debit (2–3 day settlement). Long-standing AR-collection standard before PayNow Corporate."
        ]
      },
      {
        "id": "nz-becs-direct-credit",
        "country": "NZ",
        "name": "Direct Credit (Bulk Electronic Clearing System)",
        "rail": "next-day",
        "useCases": [
          "payroll",
          "contractor-payout",
          "b2b-supplier"
        ],
        "authority": "Payments NZ",
        "notes": [
          "NZ analog of the AU BECS scheme; bulk batched direct credit run by Payments NZ under the SBI rules.",
          "Same-day intra-bank, next-business-day inter-bank for files lodged before the cut-off.",
          "The standard rail for NZ AP and contractor disbursement."
        ]
      },
      {
        "id": "nz-poli",
        "country": "NZ",
        "name": "POLi",
        "rail": "instant",
        "useCases": [
          "invoice-collection"
        ],
        "authority": "POLi Payments (discontinued)",
        "notes": [
          "Legacy account-to-account online payment service. POLi Payments wound down its service on 30 September 2023.",
          "Listed for completeness so an agent can flag the discontinuation rather than recommend it."
        ]
      },
      {
        "id": "nz-account-to-account",
        "country": "NZ",
        "name": "Account-to-account (Open Banking)",
        "rail": "instant",
        "useCases": [
          "invoice-collection",
          "contractor-payout"
        ],
        "authority": "Payments NZ API Centre",
        "notes": [
          "Payment-initiation API standards published by the Payments NZ API Centre; partial bank coverage as of 2025.",
          "Expected to replace POLi-style A2A for invoice-collection use cases as bank coverage broadens."
        ]
      }
    ],
    "useCases": [
      "invoice-collection",
      "b2b-supplier",
      "contractor-payout"
    ]
  }
}