Payments Across America
Full US payment infrastructure — ACH, Fedwire, RTP, card networks, and push-to-card. 50-state coverage with federal compliance and cross-border corridors to Mexico and Canada.
FinCEN Registered, BSA/AML Compliant
Knectd meets all US federal requirements for money transmission, including FinCEN registration and full BSA/AML compliance. We navigate state-by-state licensing so you can focus on growth.
- FinCEN Money Services Business (MSB) registration
- BSA/AML compliance programme
- State-by-state money transmitter licensing
- OFAC sanctions screening built in
Every Major Payment Rail
Access ACH, Fedwire, RTP, Same-Day ACH, and all major card networks through a single integration. Knectd routes payments intelligently across rails for optimal speed and cost.
- ACH and Same-Day ACH for standard transfers
- Fedwire for high-value real-time settlement
- RTP (Real-Time Payments) for instant transfers
- Full Visa and Mastercard network support
50-State Coverage & Beyond
Full payment coverage across all 50 US states, Puerto Rico, and US territories. Cross-border corridors to Mexico and Canada enable seamless North American commerce.
- All 50 US states fully supported
- Puerto Rico and US territory coverage
- Cross-border Mexico corridor (USD/MXN)
- Cross-border Canada corridor (USD/CAD)
US Payment Infrastructure
| Rail | Speed | Use Case |
|---|---|---|
| ACH | 1–2 business days | Payroll, vendor payments, recurring billing |
| Same-Day ACH | Same day | Urgent disbursements, time-sensitive payments |
| Fedwire | Real-time | High-value transfers, settlement |
| RTP (Real-Time Payments) | Instant | Consumer payments, instant payouts |
| Card Networks (Visa/MC) | Instant auth | POS, e-commerce, virtual cards |
| Push-to-Card | 30 minutes | Gig worker payouts, insurance claims |
Ready to launch in the United States?
Our team will guide you through US licensing, compliance, and integration. Get to market faster with Knectd's American payment infrastructure.