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How payments work

Compare payment rails, speeds, fees, and limits

Written by Noah

Overview

Altitude supports multiple payment rails so your business can send and receive funds globally. Whether you're paying a US vendor via ACH, settling a EUR invoice via SEPA, sending USD internationally via SWIFT, or transferring USDC to an external wallet, every option is available from your Altitude workspace.

All payments on Altitude are powered by stablecoins. USDC is supported on Solana, Ethereum, Base, Avalanche, and Tempo; EURC is supported on Solana. Outgoing bank transfers automatically convert your USDC or EURC to fiat. Incoming bank deposits convert at 1:1 and are credited as stablecoins.

Accounts: Your Altitude workspace can contain multiple accounts – either USD or EUR – for different business functions like operations, payroll, or reserves. Each account holds a stablecoin balance (USDC for USD accounts, EURC for EUR accounts) and has its own banking details. You choose which account to send from when initiating a payment, and incoming deposits are routed to the account whose details you shared with your counterparty.


Receiving Funds

Altitude supports the following payment rails for receiving funds:

Deposit Type

Details Provided

Supported Methods

Settles As

USD

US routing number and account number

ACH, ACH Same Day, Wire

USDC

EUR

SEPA IBAN

SEPA

EURC

Stablecoin

Wallet address on Solana, Ethereum, Base, Avalanche, or Tempo

USDC on Solana, Ethereum, Base, Avalanche, Tempo; EURC on Solana

USDC / EURC

All deposits convert at 1:1 with zero fees. There are no limits on transfer size. For full details, see Receive funds.

Supported stablecoins: Altitude accepts USDC and EURC only. Other stablecoins (USDT, DAI, USDP, USDG, PYUSD, FDUSD, etc.) are not supported on deposit.


Making Payments

Altitude supports the following payment rails for sending funds:

Payment Rail

Currency

Processing Time

Use Case

ACH

USD

Up to 3 business days

Routine US domestic payments

ACH Same Day

USD

1 business day

Faster US domestic payments

Wire

USD

1 business day

Faster US domestic payments

SEPA

EUR

1 business day

European bank transfers

SWIFT

USD

Up to 5 business days

International bank transfers (200+ countries)

Stablecoin

USDC / EURC

Instant on Solana; up to 15 minutes on Ethereum, Base, Avalanche, and Tempo

Global transfers, 24/7, no banking hours

Processing times are estimates and may vary depending on the recipient's bank and standard banking hours. Bank transfers are processed on business days only. Stablecoin transfers settle on-chain and are not subject to banking hours or holidays. Solana settles instantly; Ethereum, Base, Avalanche, and Tempo typically settle in under 15 minutes depending on network conditions.

All outgoing payments route through your Inbox before they execute. Review the details, complete any required approvals, and submit the payment for processing.


Fees

Payment Rail

Fee

Notes

ACH

Free

Altitude sponsors all domestic transfer fees.

ACH Same Day

Free

Altitude sponsors all domestic transfer fees.

Wire

Free

Altitude sponsors all domestic transfer fees.

SEPA

Free

Altitude sponsors all domestic transfer fees.

SWIFT

$35 flat fee

Configured as OUR (sender-paid).

Stablecoin

Free

No transfer fees or network fees on any supported chain.

Receive funds

Free

No charges for deposits or incoming transfers.

Convert between USDC and EURC

Free

Conversions are powered by Jupiter, the swap aggregator, with no added fee.

Altitude's SWIFT transfers are configured as OUR (sender-paid), so the sender covers all known fees and the recipient should receive the full amount.

That said, certain banks or their intermediaries may have policies that override OUR. If in doubt, confirm with the recipient's bank in advance that they will receive the full amount.

For the full pricing breakdown, see Pricing overview.


Bill Pay

Bill Pay is for invoice-based payments. From the Payments page, click Upload bill to add a PDF or PNG, or Enable forwarding email to set up an address you can forward invoices to. Altitude uses AI to extract the recipient, amount, and due date from each bill.

Bills land in your Inbox and on the Payments page, then move through the standard approval and submission flow.

Bill Pay supports ACH, ACH Same Day, Wire, SEPA, SWIFT, and stablecoin payments. For the full process, see Bill Pay.


Batch Payments

For high-volume payouts, Altitude supports batch stablecoin payments – send to up to 100 recipients in a single transaction. Upload a CSV with recipient names and amounts, and the batch is submitted as a single proposal for your team to approve and execute.

Batch payments are currently only available for stablecoin (crypto) transfers. Send up to 10 recipients per batch by default (minimum $100 per transfer), or up to 100 with an extended limit. Contact support to enable. For full details, see Batch Payments.


Recipients

Before sending a payment, save your recipient's details in the Recipients section. You can store US and EU bank account details or wallet addresses on Solana, Ethereum, Base, Avalanche, or Tempo. Saved recipients are available across all payment rails, so your team doesn't need to re-enter details for each transfer.

Note: Only wallet addresses on Solana, Ethereum, Base, Avalanche, or Tempo, SWIFT-eligible international bank accounts, and bank accounts that accept ACH, domestic wire (Fedwire), or SEPA transfers are currently supported.


Payment Confirmations

Download a PDF confirmation for any completed payment. Navigate to Transactions, select a completed payment, and click Download confirmation.

The PDF includes sender and beneficiary details, amount and fee, payment method, transaction reference (or transaction hash and network for stablecoin payments), and status and timestamps.

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