Payment Methods - Conduit API Documentation

What is a Payment Method?

A payment method is a verified bank account or crypto wallet added to a customer’s or counterparty’s profile on Conduit. Think of it as registering:

Your funding source (where money comes from)
Your destination account (where money goes to)

Key terms:

Term	Definition
Payment Method	A bank account or crypto wallet linked to a customer/counterparty
Bank Account	Traditional fiat currency account (checking, savings, business)
Crypto Wallet	Digital wallet for cryptocurrency assets
Customer	Your direct client using Conduit (must be onboarded first)
Counterparty	External party your customer transacts with

Why add a payment method?

Before you can send or receive payments on Conduit, you need to add a payment method. Adding payment methods enables you to:

Send payments from bank accounts or crypto wallets
Receive payments to your designated accounts
Convert currencies between fiat and crypto (onramp/offramp transactions)

Payment methods can be either:

Bank accounts for fiat currency (USD, BRL, MXN, EUR, etc.)
Crypto wallets for digital assets (USDC, USDT, etc.)

What you’ll need

Gather the following information before beginning: For Bank Accounts:

Account Holder Name
Bank Name
Account Number
Routing Information
Account Type (checking, savings, business)
Currency (USD, BRL, MXN, EUR, etc.)

For Crypto Wallets:

Wallet Address
Blockchain Network (Ethereum, Tron, Polygon, etc.)
Asset Type (USDC, USDT, etc.)

Supported currencies (by bank country)

This section outlines which currencies Conduit supports based on the bank’s country.

Bank Country	Supported Currencies
Brazil	BRL, EUR, USD
Colombia	COP, EUR, USD
Mexico	MXN, EUR, USD
SEPA Zone Countries	EUR, USD
Other Countries	USD

Bank payment rails and required fields (by currency and country)

This table outlines the available bank payment rails by currency and country, along with the required fields for each. In cases where a local rail isn’t supported, Conduit defaults to using SWIFT for international USD or EUR payouts. Each rail has specific field requirements that must be met for the payment to be successfully processed.

Currency	Payment Rail	Supported Countries	Required Fields
BRL	PIX	Brazil	`bankName`, `accountOwnerName`, `pixKey`, `address.country`
BRL	TED	Brazil	`accountOwnerName`, `bankName`(See list of supported banks below), `accountType`, `accountNumber`(must be 9 digits), `bankCode`, `branchCode`, `address.country`
MXN	SPEI	Mexico	`accountOwnerName`, `bankName`, `accountNumber`(CLABE, must be 18 digits), `address.country`
COP	ACH Colombia	Colombia	`accountOwnerName`, `bankName`(See list of supported banks below), `bankCode`, `accountType`, `accountNumber`, `address.country`
EUR	SEPA	SEPA Zone countries with EUR accounts (e.g. FR, DE, ES, etc.)	`accountOwnerName`, `bankName`, `iban`,`swiftCode`(must be valid for the provided country), `address.country`
USD	Fedwire	United States	`accountOwnerName`, `bankName`, `accountType`, `accountNumber`, `routingNumber`, `address.country`
USD	International Wire	Countries (except US) without local rails	Same as Swift (see below)
USD	International Wire Transfer via Fedwire	Countries (except for China) without local rails for USD or EUR	`accountOwnerName`, `bankName`, `accountType`, `accountNumber`, `routingNumber`(Of Correspondent Bank), `swiftCode`(must be valid for the provided country), `address.streetLine1` ,`address.city` `address.state`, `address.postalCode`, `address.country`
USD/EUR	Swift	Countries without local rails for USD or EUR	`accountOwnerName`, `bankName`, `accountType`, `accountNumber`, `swiftCode`(must be valid for the provided country), `address.country`

What’s next?

Now that you know what a payment method is, check our Quickstart Guide to create your first payment method. Also see our API Reference to learn how to add a payment method using our API.

Support

Reach out to our support team to get help and share your feedback.

​What is a Payment Method?

​Why add a payment method?

​What you’ll need

​Supported currencies (by bank country)

​Bank payment rails and required fields (by currency and country)

​What’s next?

​Support