📅 When are transactions processed?
Hurupay processes transactions from Monday to Friday, 9:00 AM – 5:00 PM New York Time (2:00 PM – 10:00 PM GMT), when U.S. banks are open. Transactions made on weekends or U.S. federal holidays are processed the next business day.
💸 How can I withdraw my funds?
Transfer to crypto exchanges (e.g., Binance, Bybit) and instantly get USDC or USDT.
Withdraw to local bank accounts or mobile money (where supported) in local currency.
🔒 Is my Hurupay account secure?
Yes. Hurupay is a self-custody wallet. Only you have access to your funds; not even Hurupay can access your money.
⏱ How long do transactions take?
ACH Deposit: 0–1 day (supports same-day ACH).
Wire Deposit: 1–2 days.
USDC/EURC Deposits & Crypto Withdrawals: Instant and free.
💰 What are the transaction limits?
Peer-to-peer or third-party transfers (e.g., friend-to-friend): Limited to $4,999 per transaction.
Business and salary payments from platforms like Upwork, PayPal, or Wise: No limit. To request an increase in your transaction limit, you must provide specific documents to verify your eligibility. These include:
Proof of current address (e.g., utility bill).
Sender’s contract or agreement.
Bank statement issued within the last 90 days. Gather these documents and submit them through the appropriate section of your Hurupay account for review.
💼 How can businesses avoid transaction limits?
Business owners, including freelancers, can avoid daily transaction limits by upgrading to a Hurupay business account, which offers:
Higher transaction limits or no daily cap.
Easier compliance with financial documentation requirements. To upgrade, locate the 'Open Business Account' option in your Hurupay dashboard.
📄 What documents are required for source-of-funds verification?
Hurupay may request the following documents to verify the source of transaction funds:
Business Registration Certificate
Certificate of Incorporation
Tax Identification Certificate (TIN)
Business License
Recent utility bill or lease agreement showing your business address
Bank statements (business account)
Invoices or contracts demonstrating business activity Providing these documents helps ensure compliance and prevents transaction interruptions.
❌ Why was my payment rejected?
Common reasons:
Name/account mismatch - Even slight variations in spelling or different naming conventions between your Hurupay account and payment provider can trigger rejection.
Sender recalled the payment.
Amount exceeds the allowed limit.
Unclear relationship with sender.
Unsupported U.S. states: Texas, Pennsylvania, New York and Alaska.
Flagged as suspicious or fraudulent. When a payment is rejected due to a name mismatch, payment processors enforce strict validation to ensure compliance with financial regulations and prevent fraud.
What happens when a payment is rejected?
Funds Are Reversed: The payment or withdrawal request will be canceled, and the funds will be returned to the sender.
Timeline for Reversals: Typically, the funds should appear back in the sender's account within 1-3 business days.### How to avoid payment rejections
Double-Check Names: Ensure that the name exactly matches the name associated with your payment method, including spelling and order.
Communicate with the Sender: For repeated transactions, communicate name requirements to the sender.
Update Account Details: Regularly review and update your account details for accuracy, particularly after any legal name changes.
✅ What payments are supported?
Supported payments include:
Freelance platforms (Upwork, Fiverr, etc.)
Business payments
Transfers from family (same surname)
Payments to yourself
Third-party payments (e.g., John → Mark) under $4,999
🚫 What payments are NOT allowed?
Unsupported payments:
Refunds (e.g., university, business refunds)
Gambling or dark web transactions
Loans or lending platforms
Adult or high-risk industry payments
🌐 How does a Hurupay global account work?
Your Hurupay account works like a US or EU bank account. It comes with an account number, routing number, and IBAN for receiving payments via ACH, Wire, and SEPA.
Does Hurupay support SWIFT payments?
At the moment, Hurupay does not support SWIFT payments. Only ACH and US domestic Wires. SWIFT payments will be available soon.
🆓 Is it free to open a Hurupay account?
Yes. Opening a USD or EUR GBP account is free, and there are no monthly fees.
💵 What are the fees to receive money?
ACH Deposit: 2%
Wire Deposit: 2% + $20 (US bank processing fee)
USDC Deposits: Free and instant
🌍 What countries does Hurupay support?
Hurupay supports users from multiple countries across Africa, Europe, Asia, the Americas, and Oceania. Anyone with a valid Government ID, Passport, Visa, or Resident Permit from these regions can open a USD account.
Africa: Nigeria, Ghana, Senegal, South Africa, Mauritius, Tanzania, Uganda, Rwanda, Burundi, Zambia, Mozambique, Malawi, Seychelles, Madagascar, Cameroon, Botswana, Namibia, Sierra Leone, Togo, Gambia, Gabon, Burkina Faso, Benin, Guinea, Guinea-Bissau, and Liberia.
Europe: United Kingdom, Germany, France, Spain, Portugal, Italy, Belgium, Denmark, the Netherlands, and Turkey.
South America: Argentina, Brazil, Colombia, Chile, Guyana, Paraguay, and Peru.
In Asia, eligible countries are the Philippines, Indonesia, Malaysia, Singapore, India, Sri Lanka, Japan, Thailand, Hong Kong, and Saudi Arabia.
North America: United States, Canada, Mexico, El Salvador, and Costa Rica can also register.
Oceania: Australia and New Zealand.