16 entities · seed-0.1 · 2026-08-28
Payments
The global payment infrastructure map: card schemes, RTGS systems, instant rails, clearing houses and financial messaging — who operates them and how they settle. The flow behind every payment: bank → network → scheme → processor → settlement.
Card scheme
| Network | Region | Currency | Settlement |
|---|---|---|---|
| VisaVisa Inc. | Global | Multi | deferred net |
| MastercardMastercard Inc. | Global | Multi | deferred net |
| UnionPayChina UnionPay Co., Ltd. | China | Multi | deferred net |
| American ExpressAmerican Express Company | Global | Multi | deferred net |
Financial messaging
| Network | Region | Currency | Settlement |
|---|---|---|---|
| SWIFTSociety for Worldwide Interbank Financial Telecommunication (SWIFT SC) | Global | Multi | messaging only; no settlement |
Instant payments
| Network | Region | Currency | Settlement |
|---|---|---|---|
| SEPA Instant Credit Transfer (SCT Inst)European Payments Council (scheme owner) | Europe (SEPA) | EUR | instant, 24/7 |
| FedNow ServiceFederal Reserve Banks | United States | USD | instant, 24/7 gross |
| Faster Payments SystemPay.UK | United Kingdom | GBP | instant credit; deferred net interbank |
| Unified Payments Interface (UPI)National Payments Corporation of India (NPCI) | India | INR | instant, 24/7 (deferred net interbank) |
| PixBanco Central do Brasil | Brazil | BRL | instant, 24/7 gross |
RTGS
| Network | Region | Currency | Settlement |
|---|---|---|---|
| TARGET2 / T2Eurosystem (ECB and euro-area national central banks) | Eurozone | EUR | real-time gross |
| Fedwire Funds ServiceFederal Reserve Banks | United States | USD | real-time gross |
Cross-border clearing
| Network | Region | Currency | Settlement |
|---|---|---|---|
| CHIPSThe Clearing House | United States | USD | prefunded continuous net, intraday finality |
| CIPSCross-Border Interbank Payment System Co., Ltd. (overseen by the People's Bank of China) | China | CNY | real-time gross (net modes also offered) |
ACH / clearing
| Network | Region | Currency | Settlement |
|---|---|---|---|
| ACH Network (Nacha)Nacha (rules); Federal Reserve and The Clearing House (network operators) | United States | USD | batch, deferred net |
Wallet / A2A scheme
| Network | Region | Currency | Settlement |
|---|---|---|---|
| ZelleEarly Warning Services, LLC | United States | USD | funds available in minutes; deferred interbank settlement |
Approximate reference data from public sources · seed-0.1 · 2026-08-28 · not real-time, not advice. See data & methodology.
# this page as data
GET https://banking.foundation/api/v1/payment-networks