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Anyone with a Government ID, Passport, Visa, Resident permit, or other documents of the same weight from the following countries can open a USD account:

1. 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, Liberia).
2. Europe: (UK, Germany, France, Spain, Portugal, Italy, Belgium, Denmark, Netherlands, Turkey).
3. South America: (Argentina, Brazil, Colombia, Chile, Guyana, Paraguay, Peru).
4. Asia: (Philippines, Indonesia, Malaysia, Singapore, India, Sri Lanka, Japan, Thailand, Hongkong, Saudi Arabia).
5. North America: (USA, Canada, Mexico, El Salvador, Costa Rica).
6. Oceania: (Australia, New Zealand).

A Hurupay account functions like a US, UK or Europe bank account, offering you an account number, a bank routing number & an IBAN to receive payments directly via ACH, Wire, SEPA or SWIFT transfer from individuals & businesses.

No. Opening a Hurupay USD, EUR and GBP account is free and there are No monthly charges.

1. ACH Deposit: 1% Only
2. Wire Deposit: 1% + $20
3. Crypto Deposit: All USDC deposits are free and arrive instantly.

Note: The $20 Wire charge is a US banks processing charges and apply to all Wire transactions.

Supported Payments:
1. Freelance platforms: Payments from Upwork, Fiverr, Payoneer, Deel, PayPal, Wise, Venmo, Stripe, and Airbnb.
2. Business payments: Payments from a registered business for services provided.
3. Family members: Payments from a family member with the same last name (e.g. from Dewi Sari to Putri Sari).
4. Payments from yourself to yourself (e.g. from Dewi Sari PayPal to Dewi Sari Hurupay account).
5. Friends/& Third-party payments between unrelated people (e.g. from John Doe to Mark Milo). However there is a limit of $4,999 per transaction.

Unsupported Payments: Hurupay will suspend your account if you violate the following policy:
1. Receive refunds of any type; whether college/university or refund from a business.
2. Receive payments from gambling sites and dark websites.
3. Loans, debt repayments, or lending platforms.
4. Payments related to adult services or high-risk industries.

Important Notice: Always ensure that payments sent to you include your full and accurate account details as provided on Hurupay account. Otherwise, the payment will be canceled.

Payments can be rejected for several reasons based on our banking partner's compliance checks. Common reasons include:

1. Payment details mismatch: The payment details provided by the sender (e.g. beneficiary name or account number) do not match the information on your Hurupay account.
2. Payment recall: The sender marked the transaction as unauthorized and requested a reversal.
3. Amount exceeds limit: The deposit amount is higher than what is allowed for your account.
4. Unclear relationship: Lack of clarity as to the relationship between the sender and the beneficiary.
5. Unsupported regions/states: Currently, we do not support peer-to-peer/ third-party payments coming from the states of Florida, New York, Lousiana, Alaska.
6. Suspected fraud: The payment was flagged as potentially fraudulent or associated with suspicious activity.

If you feel that a payment was unfairly rejected, please reach out to us for a review.

1. Peer-to-peer & Third-party transactions between unrelated people (e.g. payments from a friend) have a limit of $4,999 per transaction.

2. Payroll/salary payments from registered businesses and platofrms like Upwork, Fiverr, Payoneer, PayPal and Wise have No limit.

1. ACH Deposit: 0 to 1 days (We support Same-Day-ACH)
2. Wire Deposit: 1 to 2 days
3. USDC/EURC Deposits: Instant and FREE!
4. Crypto Withdrawals (USDC/USDT/EURC): Instant and FREE!

Note: If your transaction has not arrived within this time, please reach out to us via email.

1. Hurupay processes transactions from Monday to Friday between 9:00 AM and 5:00 PM New York Time (2:00 PM and 10:00 PM GMT) when US banks are open.
2. All transactions made over the weekend will process in the new week at 9:00 AM Monday morning New York Time.
3. Hurupay does not process funds on US banking or federal holidays. All transactions made during a US Federal Holiday will be processed the next day at 9:00 AM New York Time (2:00 PM GMT).
Refer to this link to see all the US banking holidays: US Banking Holidays.

1. You can transfer funds to crypto exchanges like Binance and Bybit for zero fees, and instantly get USDC or USDT.
2. You can also withdraw funds straight to local bank or mobile money for supported countries and get local currency.

Yes. Hurupay is a self-custody wallet, meaning you are in full control of your funds. Once you receive money on Hurupay, you are the only one who can access it. No one can touch it - not even Hurupay.