> ## Documentation Index
> Fetch the complete documentation index at: https://devdraft.ai/docs/llms.txt
> Use this file to discover all available pages before exploring further.
# US (ACH, Wire & RTP/FedNow)
> Step-by-step guide to adding a US bank beneficiary on Devdraft, so you can send payouts via ACH, Domestic Wire, or RTP/FedNow.
# Overview
Before you can send a payout to someone in the US, you need to add them as a recipient and provide their bank details. This guide walks through the full flow from tapping **+** on the Recipients screen to submitting a completed US bank beneficiary.
***
## What You Need Before You Start
Have the following ready before you begin:
| Info | Notes |
| -------------------- | ------------------------------------------------------------------ |
| **Owner type** | Whether the beneficiary is an **Individual** or a **Business** |
| **Beneficiary name** | Name exactly as it appears on the bank account |
| **Bank name** | e.g. Bank of America |
| **Account number** | The recipient's US bank account number |
| **Routing number** | The recipient's US bank routing number |
| **Billing address** | Street address, city, postal code, and state on file with the bank |
| **Payment rail** | Which of ACH, Domestic Wire, or RTP/FedNow you intend to use |
***
## Step 1 — Start Adding a Recipient
From the **Recipients** tab, tap the **+** icon in the top-left corner.
Recipients screen → tap **+**
***
## Step 2 — Choose the Recipient Type
The **Add Recipient** popup opens with four destination types:
| Option | Description |
| ----------------------- | ----------------------------------- |
| **International bank** | ACH, Wire, SEPA, PIX, SPEI and more |
| **Stablecoin wallet** | Send to a wallet address |
| **Zambia bank** | Bank account in Zambia |
| **Zambia mobile money** | Airtel or MTN in Zambia |
Select **International bank**.
***
## Step 3 — Choose the Country / Account Type
A second **Add Recipient** screen lists the supported account types:
* **US Account** — ACH & Wire, routing + account number
* European (IBAN) — SEPA, IBAN + BIC
* Mexican (CLABE) — 18-digit CLABE account number
* Brazilian Account — PIX, PIX Safe & TED
* Argentine Account — Transfers 3.0 (CVU, CBU or alias)
* Colombian Account — ACH Colombia bank transfer
* International SWIFT — Cross-border wire via SWIFT/BIC
Select **US Account**.
***
## Step 4 — Choose the Payment Rail
Select which US payment rail this beneficiary will be paid through:
| Rail | Speed | Fee | Notes |
| ----------------- | ----------------- | ----------- | ---------------------------------- |
| **ACH** | Next business day | 1.5% | Standard, lowest-cost option |
| **Domestic Wire** | Same business day | \$20 + 1.5% | Faster, higher fixed fee |
| **RTP / FedNow** | Receive same day | \$5 + 1.5% | Sends on weekends and holidays too |
The payment rail determines how quickly the recipient gets paid and what fee applies — choose based on the recipient's urgency, not just cost. RTP/FedNow is the only rail of the three that sends on weekends and holidays.
***
## Step 5 — Owner Details (1/2)
The **Owner** screen collects who the beneficiary is. Start by selecting **Account Owner Type**: **Individual** or **Business**. The fields below change depending on your selection.
| Field | Required | Notes |
| -------------------------- | -------- | --------------------------------------------------- |
| **Account Owner Type** | Yes | Select **Individual** |
| **Display name** | Optional | Only visible to you — e.g. *"Wise EUR account"* |
| **Beneficiary name** | Yes | Name exactly as it appears on the bank account |
| **Bank Name** | Yes | e.g. Bank of America |
| **Account Category** | Yes | e.g. Savings or Checking |
| **Recipient Relationship** | Yes | Your relationship to this recipient (e.g. Employee) |
| Field | Required | Notes |
| -------------------------- | -------- | --------------------------------------------------- |
| **Account Owner Type** | Yes | Select **Business** |
| **Business Name** | Yes | The registered business name |
| **Beneficiary name** | Yes | Name exactly as it appears on the bank account |
| **Bank Name** | Yes | e.g. Bank of America |
| **Account Category** | Yes | e.g. Savings or Checking |
| **Recipient Relationship** | Yes | Your relationship to this recipient (e.g. Employee) |
| **Business Industry** | Yes | The recipient business's industry |
A profile picture placeholder and **"Add a name first"** prompt appear until you enter a Business Name or Beneficiary name — the Continue button stays inactive until the required fields on this screen are filled in.
Once all required fields are filled in, tap **Continue** to proceed to Bank Details.
***
## Step 6 — Bank Details (2/2)
The final screen collects the recipient's actual bank account and billing address:
| Field | Required | Notes |
| ------------------ | -------- | ------------------------------------------------- |
| **Account Number** | Yes | The recipient's US bank account number |
| **Routing Number** | Yes | The recipient's US bank routing number (9 digits) |
| **Street Line 1** | Yes | Billing street address |
| **Street Line 2** | Optional | Apartment, suite, or unit number |
| **City** | Yes | Billing city |
| **Postal Code** | Yes | Billing ZIP/postal code |
| **State** | Yes | Select from the state/province picker |
Double-check the account and routing numbers before submitting — an incorrect number is the most common reason a payout fails or is misdirected.
Once every field is complete, tap **Add Bank Beneficiary** to save the recipient.
***
## What Happens Next
Once saved, the beneficiary appears on the **Recipients** screen with a **Bank** label under their name, and is ready to receive a payout on the payment rail you selected in Step 4.
If you need to send this recipient a payout on a different rail later (e.g. you added them for ACH but now need RTP/FedNow), you'll need to check whether the app lets you edit the existing beneficiary's rail or requires adding them again with the new rail selected.
***