> For the complete documentation index, see [llms.txt](https://docs.ramply.app/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.ramply.app/getting-started/payments-debit-credit-bank.md). # Payments: Debit, Credit, Bank Transfer Ramply supports a comprehensive range of payment methods to make cross-border transfers accessible to everyone, regardless of their preferred payment method or location. ## Supported Payment Methods ### Credit Cards * **Visa**: All Visa credit cards accepted globally * **Mastercard**: Mastercard credit cards worldwide * **American Express**: Amex cards in supported regions * **Discover**: Discover cards in the United States * **JCB**: JCB cards in Asia-Pacific regions * **UnionPay**: UnionPay cards in China and Asia ### Debit Cards * **Visa Debit**: Visa-branded debit cards * **Mastercard Debit**: Mastercard debit cards * **Maestro**: Maestro debit cards (Europe) * **Cirrus**: Cirrus ATM network cards * **Plus**: Plus ATM network cards * **Local Debit**: Country-specific debit card networks ### Bank Transfers * **ACH (US)**: Automated Clearing House transfers * **SEPA (EU)**: Single Euro Payments Area transfers * **Faster Payments (UK)**: UK instant payment system * **BACS (UK)**: Bankers' Automated Clearing Services * **CHAPS (UK)**: Clearing House Automated Payment System * **Wire Transfers**: International wire transfers (SWIFT) ## Regional Payment Methods ### North America * **ACH**: US bank account transfers * **Wire Transfer**: US domestic and international wires * **Check**: Electronic check processing * **ACH Same Day**: Same-day ACH transfers * **Real-Time Payments**: FedNow and RTP networks ### Europe * **SEPA Credit Transfer**: Euro zone transfers * **SEPA Instant**: Instant SEPA transfers * **Faster Payments**: UK instant payments * **iDEAL**: Netherlands online banking * **Sofort**: Germany online banking * **Bancontact**: Belgium payment system ### Asia-Pacific * **UPI (India)**: Unified Payments Interface * **PayNow (Singapore)**: Singapore instant payments * **PromptPay (Thailand)**: Thailand instant payments * **FPS (Hong Kong)**: Faster Payment System * **PayID (Australia)**: Australia instant payments * **Konbini (Japan)**: Convenience store payments ### Latin America * **PIX (Brazil)**: Brazil instant payments * **SPEI (Mexico)**: Mexico electronic payments * **Red Link (Argentina)**: Argentina payment network * **PSE (Colombia)**: Colombia online banking * **WebPay (Chile)**: Chile online payments * **Billetera Móvil (Peru)**: Peru mobile wallet ### Africa & Middle East * **M-Pesa (Kenya)**: Mobile money transfers * **MTN Mobile Money**: Mobile money across Africa * **Airtel Money**: Mobile money service * **Orange Money**: Mobile financial services * **Fawry (Egypt)**: Egypt payment network * **STC Pay (Saudi Arabia)**: Saudi mobile payments ## Digital Wallets & E-Wallets ### Global Wallets * **PayPal**: PayPal account integration * **Skrill**: Digital wallet service * **Neteller**: Online payment service * **WebMoney**: Digital payment system * **Perfect Money**: Digital payment platform * **AdvCash**: Advanced Cash wallet ### Regional Wallets * **Alipay (China)**: China's leading digital wallet * **WeChat Pay (China)**: Tencent's payment service * **Paytm (India)**: India's digital wallet * **GrabPay (Southeast Asia)**: Grab's payment service * **Line Pay (Japan)**: Line messaging app payments * **KakaoPay (South Korea)**: Kakao payment service ### Crypto Wallets * **MetaMask**: Ethereum wallet integration * **Trust Wallet**: Multi-chain crypto wallet * **Coinbase Wallet**: Coinbase's self-custody wallet * **Phantom**: Solana wallet * **Rainbow**: Ethereum wallet * **Argent**: Smart contract wallet ## Payment Processing ### Transaction Flow 1. **Payment Selection**: Choose preferred payment method 2. **Amount Entry**: Enter transfer amount and currency 3. **Recipient Details**: Provide recipient information 4. **Payment Authorization**: Authorize payment with chosen method 5. **Processing**: Payment processed through secure channels 6. **Confirmation**: Receive confirmation of successful payment ### Security Measures * **PCI DSS Compliance**: Payment card industry security standards * **3D Secure**: Additional authentication for card payments * **Tokenization**: Card details tokenized for security * **Encryption**: End-to-end encryption for all payments * **Fraud Detection**: AI-powered fraud prevention * **Risk Assessment**: Real-time risk scoring ### Processing Times * **Credit/Debit Cards**: Instant to 2 minutes * **Bank Transfers**: 1-3 business days * **ACH Transfers**: 1-2 business days * **Wire Transfers**: 1-3 business days * **Mobile Money**: Instant to 1 hour * **Digital Wallets**: Instant to 30 minutes ## Fees & Limits ### Credit Card Fees * **Domestic Cards**: 2.9% + $0.30 * **International Cards**: 3.9% + $0.30 * **Premium Cards**: 4.9% + $0.30 * **Corporate Cards**: 2.5% + $0.30 * **Prepaid Cards**: 4.9% + $0.30 ### Debit Card Fees * **Domestic Debit**: 1.5% + $0.30 * **International Debit**: 2.5% + $0.30 * **PIN Debit**: 1.0% + $0.30 * **Signature Debit**: 1.5% + $0.30 ### Bank Transfer Fees * **ACH (US)**: $0.50 per transfer * **SEPA (EU)**: €0.50 per transfer * **Wire Transfer**: $15-25 per transfer * **International Wire**: $25-50 per transfer * **Same Day ACH**: $2.50 per transfer ### Transaction Limits * **Daily Limit**: $10,000 per day * **Monthly Limit**: $50,000 per month * **Single Transaction**: $5,000 maximum * **Minimum Amount**: $1 minimum * **Verification Required**: Higher limits with additional verification ## Payment Method Setup ### Adding Payment Methods 1. **Login**: Access your Ramply account 2. **Settings**: Go to Payment Methods section 3. **Add Method**: Click "Add Payment Method" 4. **Enter Details**: Provide payment method information 5. **Verification**: Complete verification process 6. **Confirmation**: Receive confirmation of successful setup ### Card Verification * **Small Charge**: Temporary authorization charge * **Code Verification**: Enter verification code * **Document Upload**: Upload card statement if required * **Phone Verification**: SMS or call verification * **Email Confirmation**: Email verification process ### Bank Account Verification * **Micro Deposits**: Small test deposits to verify account * **Instant Verification**: Real-time bank account verification * **Document Upload**: Upload bank statement * **Online Banking**: Connect through online banking * **Manual Verification**: Manual verification process ## Troubleshooting ### Common Issues * **Card Declined**: Check card details and available balance * **Bank Transfer Failed**: Verify account details and routing number * **Verification Pending**: Wait for verification process to complete * **Limit Exceeded**: Check daily/monthly transaction limits * **Currency Not Supported**: Verify currency is supported ### Error Messages * **"Payment Method Not Supported"**: Try alternative payment method * **"Insufficient Funds"**: Add funds to payment method * **"Verification Required"**: Complete additional verification * **"Transaction Blocked"**: Contact support for assistance * **"Network Error"**: Retry transaction or contact support ### Getting Help * **Live Chat**: 24/7 live chat support * **Email Support**: Email support within 2 hours * **Phone Support**: Phone support in multiple languages * **Help Center**: Comprehensive help articles * **Community Forum**: User community support ## Best Practices ### Security Best Practices * **Use Secure Networks**: Only use secure, private networks * **Verify Recipients**: Double-check recipient details * **Monitor Transactions**: Regularly check transaction history * **Report Issues**: Report suspicious activity immediately * **Keep Information Updated**: Keep payment method information current ### Cost Optimization * **Compare Fees**: Compare fees across different payment methods * **Use Lower-Cost Methods**: Choose debit cards over credit cards when possible * **Batch Transactions**: Combine multiple small transactions * **Timing**: Send during off-peak hours for better rates * **Currency**: Use local currency when possible ### Transaction Management * **Set Limits**: Set appropriate transaction limits * **Regular Reviews**: Review payment methods regularly * **Backup Methods**: Maintain multiple payment methods * **Test Transactions**: Test with small amounts first * **Keep Records**: Maintain transaction records for tax purposes --- # Agent Instructions This documentation is published with GitBook. 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