How long does a supplier payment take?

SEPA Instant payments arrive within 10 seconds when both banks support them; otherwise the payment is rejected and can be resent as a standard transfer. UK Faster Payments are near real time. SWIFT payments usually reach the supplier's bank within an hour, but the bank can take longer to credit the account, especially across time zones or when it runs manual checks.

From How to pay overseas suppliers from USDT or USDC, by . Updated .

The wider picture

The key points from the guide this answer comes from:

  1. Most suppliers want a bank transfer in their own currency, not stablecoins, because their finance team reconciles invoices against a bank statement.
  2. Keep your balance in USDC or USDT until you pay, then convert and send it over a bank rail: SEPA, Faster Payments, ACH or Fedwire, UAEFTS or SWIFT.
  3. Confirm a supplier's bank details by calling a number you already have. Invoice redirection fraud works by changing exactly those details.
  4. Pay from an account in your company's name, so the supplier sees your name on the payment and can match it to the invoice.

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The full guide

Most suppliers want a bank transfer in their own currency, not stablecoins. The reliable route is to convert at the moment you pay and send the money over a bank rail, from an account in your company's name.

Read How to pay overseas suppliers from USDT or USDC, with its sources.

General information, not legal, tax or financial advice. Rules and providers' terms change; check the sources in the guide and take advice on your own situation.

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