Payment option · International

Accept SWIFT payments

Accept international SWIFT transfers from any country. Pair it with crypto rails for speed and SWIFT for reach.

Runs on the same checkout as 56 crypto assets, the other bank rails, and cards. No processor account needed for the manual rail.

SWIFT at a glance

Countries
Worldwide
Currencies
USD, EUR, GBP +39
Mode
Manual
Buyer reference
Unique per order

What the buyer sees

The coordinates your checkout shows, with the exact field labels from the U.CASH Pay dashboard.

Account numberyour account number
SWIFT/BICthe routing code
Bank nameyour bank or provider
Account holderthe receiving name

Plus a unique payment reference per order (B-XXXXXX) the buyer includes on the transfer; you match it in Payments with one click.

How to accept SWIFT payments

From signup to settled order.

Step 01

Create your checkout

Sign up at U.CASH Pay and create a checkout that offers SWIFT alongside cards and crypto.

Step 02

Enter your receiving coordinates

Fill in the account number, SWIFT/BIC code, bank name, and account holder exactly as your bank prints them.

Step 03

Buyer wires internationally

The buyer instructs the transfer at their local bank in their own currency and includes the unique payment reference.

Step 04

Confirm and settle

The transfer lands in one to five banking days. Match the reference in Payments and mark the order paid.

Fees and settlement

U.CASH charges nothing on the SWIFT rail. Sender and intermediary banks take their own fees, which vary by corridor and are shown to the buyer by their bank. Transit is one to five banking days depending on the corridor. Orders hold for 30 days.

Speed and settlement behavior

SWIFT runs as a manual rail: the buyer initiates the transfer against your published coordinates and includes the per-order payment reference, which is what makes the reconciliation one click rather than a hunt. Settlement lands in the rail's own window, which the fees and settlement section states; there is no processor in the middle to wait on. That directness is also the operational trade: the rail sees a plain transfer, so the reference discipline is what keeps reconciliation mechanical.

The crypto alternative on the same checkout

The currencies SWIFT settles, USD, EUR, GBP, JPY and the rest, also exist on-chain where peg families trade: settle the same corridor as a token, non-custodial, final on confirmation, at network fees instead of rail fees. Buyers choose their rail; your ledger sees the same currency either way. The operational difference worth planning around is reversal: the crypto leg settles finally with no dispute window, which suits invoices and known customers, while the traditional rails keep the protections and processes their buyers expect.

Currencies and countries

USDEURGBPJPYCHFCADAUDSEKNOKDKKPLNCZKHUFRONAEDSARNZDTWDILSKRWIDRPHPVNDPKRBDTMYRCOPPENEGPUAHQARMADKZTBGNPABBSDBMDNADAZNMOPBNDNPR

Related payment options

SEPA

Eurozone. Manual rail.

Domestic Wire

United States. Manual rail.

ACH

United States. Manual rail.

SWIFT: FAQ

How long does a SWIFT transfer take?
One to five banking days depending on the corridor and how many intermediary banks sit in the path. The 30-day order window absorbs every case.
What is a SWIFT/BIC code?
The 8 to 11 character code that identifies your bank in the SWIFT network. It routes the transfer to the right institution; the account number finishes the job.
Who pays SWIFT fees?
The sender decides the fee split at their bank (OUR, SHA, or BEN). U.CASH adds nothing on top of whatever the banks charge.
Can I offer SWIFT beside crypto at checkout?
Yes, that is the standard configuration: the rail serves buyers who pay from banking apps, the crypto legs serve wallet holders, and cards cover everyone else. One checkout, one Payments queue, each payment closing with its reference.
What does the buyer need to pay through SWIFT?
The coordinates your checkout publishes and the per-order reference. No app install, no account creation on any platform.
Who settles disputes and support on SWIFT payments?
The rail itself behaves like a bank transfer: settlement follows the rail's rules, and there is no chargeback machinery to arbitrate afterward. Your checkout records, with the per-order reference and rail confirmation, are the paper trail for any customer conversation.
Get started

SWIFT, live in minutes

Offer it beside cards, crypto, and every other rail on one non-custodial checkout.