Local and regional rails
Where supported, local rails can reduce unnecessary correspondent steps. Availability depends on currency, destination, partner, and account setup.
The payment route matters after you press send.
Your supplier needs funds credited, not just instructed.The network is the combination of account setup, partner availability, rail choice, proof, release, and traceability.
Published route coverage
These figures describe website route data, not a real-time promise that every route is available for every account or payment.
46
Supported countries
Published payout country guidance in the website data.
7
Receive-from markets
Published receive-market guidance, subject to account and partner availability.
44
Currencies in data
Currency coverage referenced in country routes and payout guidance.
How rail choice is handled
SWIFT and correspondent routes
Some supplier payments still require SWIFT or correspondent-bank handling. These routes need clear proof, charging expectations, and trace logic.
Partner-led regulated service provision
In markets where regulated payment or e-money services are required, service provision sits with the relevant authorised partner.
What you need to know about a route
Before a payment leaves, your team should understand the beneficiary details, currency, value date, payment purpose, likely rail, proof available, and what happens if the receiving bank does not apply the funds.
Unicorn Currencies Ltd acts as a corporate intermediary in the UK. Regulated payment or e-money services are provided by authorised partners where required. Route availability and settlement timing depend on the relevant partner, currency, jurisdiction, beneficiary bank, and compliance review.
Read compliance structureFrequently Asked Questions
What does the network page show?
It explains the payment route logic Unicorn uses: supported receiving and payout markets, partner-led regulated service provision, rail selection, proof, and exception handling.
Does every payment move on the same rail?
No. Rail choice depends on currency, destination, beneficiary bank, payment purpose, partner availability, compliance review, and the route supported for your account.
Can Unicorn guarantee a delivery time?
No provider should guarantee every international delivery time without route context. Some movements can be fast where the supported rail allows it; other payments depend on banking cut-offs, review, correspondent handling, or receiving-bank release.
What matters when a payment does not credit?
The next step depends on where the payment is in the chain: instructed, released, routed, received, held, credited, rejected, traced, or recalled.
Need to check a payment route?
Ask about the route before you send, or use WhatsApp if a payment is already in motion.