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
Payment Selection: Choose preferred payment method
Amount Entry: Enter transfer amount and currency
Recipient Details: Provide recipient information
Payment Authorization: Authorize payment with chosen method
Processing: Payment processed through secure channels
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
Login: Access your Ramply account
Settings: Go to Payment Methods section
Add Method: Click "Add Payment Method"
Enter Details: Provide payment method information
Verification: Complete verification process
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
Last updated