---
title: "Outgoing payment schemes for Administrators - Payhawk Help Center"
slug: "supported-payment-schemes-for-outgoing-bank-transfers"
description: "See which payment schemes Payhawk uses for outgoing bank transfers by currency and region, how long each takes to settle, and how to pay Swiss QR-bills."
updated: 2026-10-20T07:25:34Z
published: 2026-10-20T07:25:34Z
canonical: "payhawk.com/supported-payment-schemes-for-outgoing-bank-transfers"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://payhawk.com/help/llms.txt
> Use this file to discover all available pages before exploring further.

# Supported payment schemes for outgoing bank transfers

You can send money to external bank accounts, such as paying your suppliers, reimbursing your employees, directly from your Payhawk EUR, GBP, CHF, or DKK currency account. From your PLN currency account, you can make reimbursements only.

Depending on the currency of your bank accounts and the country or region in which your company operates, the payments will be settled according to the following payment schemes.

| **Country or region** | **Payment currency** | **Payment schemes** | **Settlement times by definition** |
| --- | --- | --- | --- |
| UK & Europe | GBP | FPS | Within minutes. Up to 2 hours. |
|  | EUR | SEPA Instant | Up to 10 seconds. |
|  | EUR | SEPA Standard (as a fallback for SEPA Instant) | Up to 2 business days. |
|  | CHF and DKK; PLN (reimbursements only) | Local payment schemes | According to the local schemes' settlement policies. |
|  | Global | SWIFT | Up to 5 business days. |
| US | USD | ACH | Up to 3 business days. |

## Swiss QR-bills

Payhawk supports CHF payments to Swiss QR-IBANs with a structured QR reference. This means you can [pay QR-bills](/help/paying-expenses-one-by-one), the standard invoice format in Switzerland, directly from your Payhawk CHF currency account over the local payment scheme, without paying to an alternative IBAN or using SWIFT.

## Useful resources

- [Funds in Payhawk](/help/overview-of-deposits-and-payments-in-payhawk)