How Transfers Work

Transparent rails Secure steps Clear statuses

Cut-off times, typical arrival windows, what details you need, and the exact path your money takes—presented simply and beautifully.

Start a transfer

Status roadmap

01
DRAFT
Created but not submitted.
02
OTP_REQUIRED
Extra verification is required before processing.
03
PROCESSING
Queued and being sent on the selected rail.
04
SCHEDULED
Approved and set to execute at a future time.
05
COMPLETED
Cleared and posted to the destination.
06
REJECTED
Failed or canceled by the sender or network.
07
REFUNDED
Funds reversed or returned to source.

Rails & symbols

ACH (US bank transfer)

ACH

Domestic Wire (US)

WIRE

International Wire (SWIFT)

SWIFT

P2P (Horizon ↔ Horizon)

P2P

Zelle®

ZELLE

Cash App

PayPal

Revolut

Venmo

Wise

WISE

WeChat Pay

微信

Alipay

支付宝

Bill Pay (ACH/Check)

BILL

Crypto (Send/Receive)

₿

Transfer