UPI
Unified Payments Interface. 24/7 instant account-to-account rail built by NPCI.
INR Instant
Global Payment Directory
One Single API for Every
Global Payment Method.
Connect to 150+ local rails, wallets, and bank networks through a single unified integration. One contract, one dashboard, one reconciliation.
150+ Payment Methods
80 Countries Live
1 API Unified Contract
Directory
Every rail. One integration.
IMPS
Immediate Payment Service. Real-time interbank electronic transfers across India.
INR Bank
M-Pesa
Mobile-phone based money service covering Kenya, Tanzania and beyond.
KES Wallet
SEPA Instant
Single Euro Payments Area. Pan-European instant credit transfers in <10s.
EUR Instant
Faster Payments
United Kingdom's real-time payments network, 24/7/365 coverage.
GBP Instant
PIX
Central Bank of Brazil instant rail. QR, key-based and account-to-account.
BRL Instant
PromptPay
Thai QR/real-time rail. National ID or phone number routing.
THB QR
GCash
Philippines largest e-wallet. Bills, transfers and QR acceptance.
PHP Wallet
QRIS
Indonesian unified QR standard. Interoperable across banks & e-wallets.
IDR QR
CoDi
Banxico-operated QR payment platform. Real-time between Mexican banks.
MXN QR
Mada
National card payment network of the Kingdom of Saudi Arabia.
SAR Card
iDEAL
Dutch bank-transfer standard. 70%+ of Netherlands online payments.
EUR Bank
FPS
Faster Payment System. Hong Kong real-time interbank rail via HKICL.
HKD Instant
ACH
Automated Clearing House. Batch-processed US bank-to-bank transfers via NACHA.
USD Bank
Fedwire
US Federal Reserve real-time gross settlement service for high-value wires.
USD Bank
RTP
Real-Time Payments network by The Clearing House. 24/7/365 US rail.
USD Instant
PayNow
Singapore instant transfer rail via mobile or UEN, across all major banks.
SGD Instant
DuitNow
Malaysia PayNet real-time rail with ID-based routing and QR support.
MYR Instant
NPP
New Payments Platform. Australia real-time rail with PayID addressing.
AUD Instant
SPEI
Sistema de Pagos Electrónicos Interbancarios. Banxico real-time interbank rail.
MXN Instant
BLIK
Polish mobile-first payment standard. 6-digit codes via banking apps.
PLN Instant
bkash
Bangladesh's largest mobile financial service. Send, receive and pay bills.
BDT Wallet
Integration
One endpoint. Every rail.
Submit a payout once — Echo routes across the optimal local rail, converts at interbank and settles in seconds.
01
Call POST /v1/payouts
Provide the amount, beneficiary and destination currency. Echo resolves the best rail — UPI, SEPA Instant, PIX, wallet — automatically.
02
Interbank conversion
Mid-market FX with zero hidden spread. Pre-trade quotes are signed and honored end to end.
03
Settlement in seconds
Real-time webhook confirmation, reconciliation IDs, and a live trace for every leg.
payout.ts
await echo.payouts.create({ amount: 12_500, from: 'USD', to: 'INR', rail: 'UPI', beneficiary: { vpa: 'priya@okicici' } });
Routing via NPCI · UPI 124 ms
FX locked · 83.1421 41 ms
Settled · ₹10,39,276 2.1 s
The Old vs The Now
Stop stitching together dozens of banks.
Traditional stitch-together
Echo · Unified API
Integration time
6–18 months per country
Days, one contract
Rails covered
SWIFT correspondent chain
150+ local rails, instant
FX pricing
Opaque 2–3% markup
Interbank, signed quote
Reconciliation
Manual, multi-platform
Single ledger, webhooks
Settlement
3–5 business days
<1m on instant rails
Coverage Footprint
Precise movement,
at planetary scale.
Echo operates with institutional rigor — safeguarded funds, AML screening, and direct connections to the networks that move modern money. One flag raised once; we carry it everywhere.
FINTRAC MSB · CANADA AML / CFT ALIGNED
0+ Payment methods
0+ Countries live
0+ Currencies settled
24/7 Operations
Move money to anyone, anywhere, on any rail.
One integration, 150+ methods, interbank rates. Talk to our solutions team for a routing map tailored to your corridors.