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docs(payouts): document payout timing by rail on the sending payments page#877

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pengying merged 1 commit into from
Aug 28, 2026
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docs(payouts): document payout timing by rail on the sending payments page #877

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22 changes: 22 additions & 0 deletions mintlify/payouts-and-b2b/payment-flow/send-payment.mdx
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Expand Up@@ -242,6 +242,28 @@ If a transaction fails, Grid initiates a refund automatically. You'll receive `O
For the full state diagram including refund tracking and edge cases, see the [Transaction Lifecycle](/platform-overview/core-concepts/transaction-lifecycle) guide.
</Info>

## Payout timing

How long a payout takes is determined by the rail it settles over. Timings below are typical
end-to-end times measured from quote execution:

| Timing | Rails |
| ------ | ----- |
| **Instant** (seconds) | RTP, FedNow, SEPA Instant, UPI, IMPS, SPEI, PIX, FPS, PayNow, FAST, InstaPay, Bre-B, Mobile Money, UnionPay, internal transfers, Lightning/Spark, and crypto on Solana/Base/Polygon/Plasma/Tron |
| **Minutes** | RTGS 30 min · Ethereum 15 min |
| **~10 min – 1 hour** | Bitcoin L1, depending on network congestion |
| **~1 day** | SEPA, Wire, NEFT, PesoNet, CIPS (24h) |
| **~2 days** | ACH, Bank Transfer, EFT, ACH Colombia (48h) |
| **~3 days** | SWIFT |

<Info>
These are typical times, not guarantees. Instant rails run continuously — including weekends
and holidays — but still depend on the receiving institution. The slower bank rails settle on
banking hours, so a transfer submitted after a bank's cutoff, on a weekend, or on a local
holiday starts on the next banking day. Compliance review on a given payment can extend any
of these.
</Info>

## Checking Payment Status

Configure a webhook endpoint to receive real-time notifications when payment status changes:
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