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US Dollar Payment Guide

Complete information about making payments in USD

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USD
$
US Dollar

Official currency of United States

Plural: US Dollars

ISO Country Code

US
Country Code

Decimal Places

2 / 4
Amount / Rate

Subunit

cent
Plural: cents
Payment Methods Available
Priority Payment
Standard Payment

Payment Options

Available payment methods and requirements

Choose the right payment method for your needs
Priority Payment
Fast processing with priority service
M
Method

SWIFT/Fedwire/CHIPS

Cut-off Time (UK)
16:00
D
Delivery Time

Same Day

M
Max Amount

No limit

D
Destination

Any

Trace
Available
Recall
Available
Ultimate Payer Displayed
Available

Recipient Name

Required

Recipient Address

Required

Recipient City

Required
O

Recipient Bank Code

Optional

BIC/SWIFT

Required

Account Number

Required

IBAN

Required
Standard Payment
Standard payment processing
M
Method

Local (Fedwire/ACH)

Cut-off Time (UK)
20:15
D
Delivery Time

Same Day

M
Max Amount

$1,000,000

D
Destination

United States

Trace
Not Available
Recall
Not Available
Ultimate Payer Displayed
Not Available

Recipient Name

Required

Recipient Address

Required

Recipient City

Required

Recipient Bank Code

Required
O

BIC/SWIFT

Optional

Account Number

Required
O

IBAN

Optional

Currency Holidays

Currency settlements pause on public or bank holidays.

Currency Holiday Calendar
Official non-business days for this currency
  • Sep
    1
    2025
    Labor Day
    In 8 days

    Monday, September 1, 2025

  • Oct
    13
    2025
    Columbus Day
    In 50 days

    Monday, October 13, 2025

  • Nov
    11
    2025
    Veterans Day
    In 79 days

    Tuesday, November 11, 2025

  • Nov
    27
    2025
    Thanksgiving Day
    In 95 days

    Thursday, November 27, 2025

  • Dec
    25
    2025
    Christmas Day
    In 123 days

    Thursday, December 25, 2025

Only showing holidays up to 7 days in the past and all future dates

Restricted Regions

Areas with payment limitations

Restricted Regions
Areas with payment limitations or restrictions
The following regions have payment restrictions:
Afghanistan
Albania
Algeria
Angola
Antigua And Barbuda
Bahamas
Bangladesh
Belarus
Belize
Benin
Bolivia
Bosnia And Herzegovina
Burma/Myanmar
Burundi
Cambodia
Cameroon
Cayman Islands
Central African Republic
Colombia
Cuba
Cyprus
Democratic Republic of Congo
Ecuador
Egypt
El Salvador
Eritrea
Ethiopia
Georgia
Ghana
Guatemala
Guinea-Bissau
Honduras
Iran
Iraq
Jamaica
Jordan
Kuwait
Kyrgyzstan
Lebanon
Liberia
Malawi
Mauritius
Mexico
Morocco
Mozambique
Nicaragua
Niger
Nigeria
North Korea
Pakistan
Panama
Paraguay
Russia
Serbia
Somalia
South Africa
Sri Lanka
Syria
Tajikistan
Trinidad And Tobago
Tunisia
Türkiye
Turkmenistan
Uganda
Ukraine
United Arab Emirates
Uzbekistan
Venezuela
Yemen
Zimbabwe
Payments to these regions may require additional verification

Account Format

Standards for account numbers and IBAN

Account Format & Structure
Standardised format for financial accounts with this currency

Format Standards

Format TypeStructure Pattern

Example Accounts

Account TypeExample Format

R

Routing Number

123456789

A

Account Number

1234567890

Always double-check account formats before initiating payments to ensure successful transactions.

Additional Notes

Important information and special considerations

Special Considerations
Important notes and requirements for USD payments

Please review these important notes before processing payments in USD

  • 1

    ACH payments are only available to US-based accounts.
  • 2

    Wire transfers typically incur higher fees but offer same-day processing.
  • 3

    US regulations require detailed information on the purpose of payment for amounts over $10,000.
  • 4

    Non-ASCII characters will be transformed to ASCII equivalent or removed on a best endeavours basis in order to comply with the restrictions of the domestic payment scheme.
  • 5

    Non-supported characters will be transformed to EBCDIC equivalent or removed on a best endeavors basis in order to comply with the restrictions of the Swift payment network. The permitted characters on the Swift network are letters, numbers, spaces and the following symbols: / – ? : ( ) . , ‘ +

For more information about payment requirements for USD, contact your account manager or refer to the latest regulations.


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In collaboration with
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FXellence leverages Currencycloud's robust payment infrastructure to deliver secure, efficient international payment solutions for businesses worldwide.

Company Information

FXellence and FXellence International Payments are trade names of FXellence Technology Limited. FXellence Technology Limited is registered in England and Wales. Company number: 14942373

Registered Office: 63-66 Hatton Garden, Fifth Floor, Suite 23, London, EC1N 8LE. Copyright © 2025 FXellence Technology Limited

FXellence Terms
Payment Services

Payment services for FXellence are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: Stewardship Building 1st Floor, 12 Steward Street London E1 6FQ.

The Currency Cloud Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199).