Find answers to common questions about Instarails' cross-border payment platform
Instarails is a cross-border payment network that connects to Mexico, Brazil, Philippines, and 150+ countries. Our payment infrastructure enables instant, secure transfers across 70+ currencies, combining traditional banking reliability with modern payment speed.
Our technology powers real-time transfers 24/7 to both established markets and emerging economies. Send payments via local bank networks, mobile wallets, and cash pickup points worldwide. We help banks, fintech companies, and businesses deliver cost-effective international payments—reducing correspondent banking fees by 3-10% while ensuring compliance and security.
Whether you're serving customers in Mexico City, São Paulo, Mumbai, or Manila, our platform handles the complex payment processing behind the scenes. Focus on growing your business while we manage routing, compliance, FX, and settlement across all markets.
Our platform is designed for:
We support 150+ countries across:
Our platform connects to local payment rails for instant settlement in key corridors while providing reliable delivery to emerging markets.
Our pricing is transparent and volume-based. We offer significant savings compared to traditional wire transfers and correspondent banking. Contact our team at sales@instarails.io for a customized quote based on your specific corridors and transaction volumes.
Instarails typically reduces cross-border payment costs by 3-10% compared to traditional correspondent banking and wire transfers. This is achieved by:
We offer flexible pricing structures tailored to your business model. Contact sales@instarails.io to discuss options that work best for your organization.
We do not charge anything for cancellations or returns! Unlike traditional wire transfers that often involve significant recall fees and lengthy processing times, Instarails provides free, immediate cancellation capabilities. If a payment encounters an issue or needs to be recalled for any reason, we handle this efficiently without passing any additional costs to you.
We support a comprehensive range of payment methods for maximum flexibility:
This diverse ecosystem allows you to serve both banked and unbanked populations seamlessly, providing true financial inclusion for your global customers regardless of their location or preferred payment method.
Yes. We deliver funds to recipient accounts in real-time in corridors that support instant payment rails:
Transactions are completed within minutes rather than the traditional 3-5 business days required for international wire transfers. Recipients gain immediate access to their funds, dramatically improving their experience and financial planning capabilities.
No. Recipients never need to create an Instarails account or wallet. We deliver payments directly to their existing local accounts:
We support 70+ currencies across our global network, including all major currencies and local currencies in emerging markets. Our platform handles FX conversion transparently with competitive rates. Contact us for specific currency availability for your corridors.
Contact our team at sales@instarails.io to begin the conversation. We'll guide you through our partnership process, from initial discussions to full implementation.
Our onboarding process is streamlined for rapid implementation:
This efficient process gets you from partnership to active global payments in minimal time, with personalized support at every step.
Yes. Our implementation includes a focused pilot program for select corridors that lets you:
All pilot programs include dedicated support from our team to ensure success.
Yes, we provide comprehensive API documentation for partners. Our RESTful API supports automated transaction submission, real-time status tracking, webhook notifications, and complete reconciliation capabilities. Documentation is provided during onboarding.
Yes. Our platform is designed to be white-labeled for financial institutions. Banks and credit unions can brand the entire payment experience as their own, allowing you to offer cross-border payments under your institution's name while we handle all the complex infrastructure, compliance, and settlement in the background.
We help you navigate the complex regulatory landscape of cross-border payments through:
Schedule a call with us at sales@instarails.io to learn more about our compliance framework.
Instarails maintains SOC 2 Type II certification, demonstrating our commitment to the highest standards of security, availability, processing integrity, confidentiality, and privacy. Our infrastructure undergoes regular independent audits to ensure continuous compliance with security best practices.
We employ enterprise-grade security measures including:
No. We handle all the complexity of international liquidity management, currency conversion, and settlement across multiple countries. This eliminates the traditional need for maintaining nostro/vostro accounts in each country where you send payments, significantly reducing your operational overhead and freeing up capital for other business needs.
Settlement times vary by corridor:
All significantly faster than traditional correspondent banking which can take 3-5 business days or longer.
We provide dedicated support including:
Our infrastructure is built to scale with your business. We handle everything from single transactions to high-volume batch processing. Our platform supports thousands of concurrent transactions with enterprise-grade reliability and uptime. Contact us to discuss your specific volume requirements.
Our platform includes comprehensive reporting capabilities:
A professional invoice is a clear, detailed bill. It shows what was sold, the price, and when payment is due. This protects both the seller and buyer by creating an official record of the sale.
Invoices help sellers track their income and see who owes them money. They help buyers keep track of what they need to pay. Digital invoices speed everything up—faster payments, fewer errors, and better records for taxes.
Step 1: Register & Create Invoices
Register with Instarails and fill out a simple form with your business details, customer information, itemized products/services, quantities, prices, any discounts or taxes, and payment due date.
Step 2: Send to Your Customer
Click send and Instarails automatically emails the invoice to your customer. Both you and your customer get a copy.
Step 3: Track Your Invoice
Get instant notifications when your customer receives, views, or pays the invoice. Made a mistake? Easily cancel and resend a corrected invoice.
Step 4: Get Paid in Your Currency
Once your customer pays, Instarails deducts a small transaction fee (save 3-10% vs traditional methods), converts to your local currency at the best exchange rate, and deposits directly to your bank account—instantly in most countries. Download your invoice anytime for your records.
Countries Supported: Vendors in Brazil, India, Mexico, Philippines, and 150+ countries can use Instarails Invoices. Not sure if your country is supported? Contact support@instarails.io to check availability and payment options for your location.
Step 1: Receive Invoice by Email
When a vendor sends you an invoice through Instarails, you'll get an email with complete invoice details, what was purchased, total amount due, and payment due date.
Step 2: Review the Invoice
Click the link in the email to create your account (one click, using the same email), view the complete invoice breakdown, and see all line items, taxes, and discounts.
Step 3: Pay or Reject
If everything looks correct, click "Approve & Pay" and transfer money to Instarails' US bank account (simple domestic transfer). You pay ZERO transfer fees. If something is wrong, click "Reject Invoice" and let the vendor know what needs correction.
Step 4: Track & Download
Log in anytime to see all your invoices, download for accounting, and track payment history.
Every Instarails invoice includes:
Vendors (Sellers): You pay the transaction fee (typically 3-10% less than wire transfers). No setup fees. No monthly fees. You only pay when you get paid.
Buyers (US Companies): Zero transfer fees. You just make a regular domestic bank transfer to Instarails' US account. The vendor pays the international transfer fees.
Yes! If you like our platform after paying your first invoice, you can upgrade to a verified client account. This unlocks the ability to:
For Vendors:
For Buyers:
Our team is ready to help you revolutionize your cross-border payments
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