Swipey processes payments through the GIRO network for local transfers, and via foreign disbursement for cross-border payments. Knowing the cut-off times helps you schedule bills so they land exactly when you need them to.
Local Payments (GIRO)
Local bank transfers follow GIRO banking cycles. Payments are processed in batches based on the time they are submitted. Use the table below to know when your recipient will receive funds.
⚠️ Scheduled payments will not be processed on weekends or Malaysian public holidays. If your Pay On date falls on a non-business day, the payment will be processed on the next available working day.
Cross-Border Payments (Foreign Disbursement)
For international vendor payments, Swipey supports disbursements to 100+ countries. Processing timelines differ from local transfers.
1–3 working days
Cross-border payments are processed and cleared within 1–3 working days from the scheduled Pay On date.
💱 Rates shown on the Swipey dashboard are indicative. Read more about the Lowest FX Rate Guarantee → Reach out if your bill currency isn't listed.
Things to Know
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