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.
For step-by-step instructions, see Send a US domestic payment, Send a SEPA payment, Send an international payment, or Send stablecoins.
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.
