> For the complete documentation index, see [llms.txt](https://developers.mtpelerin.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://developers.mtpelerin.com/service-information/delivery-times.md).

# Delivery times

## ⬆️ On-ramp

### 🏦 By bank transfer

The table below shows the time it usually takes for us to receive an incoming bank transfer, depending on its type:

| Transfer type              | Time              |
| -------------------------- | ----------------- |
| CHF transfer (Switzerland) | 0-1 business day  |
| SEPA (Europe)              | 1-2 business days |
| SWIFT (rest of the world)  | 1-5 business days |

{% hint style="info" %}
Business days: Monday to Friday
{% endhint %}

{% hint style="info" %}
Please note that bank transfer times are not an exact science and that not all banks process transfers at the same speed.
{% endhint %}

{% hint style="warning" %}
Bank transfer on-ramps from unverified users are withheld during 7 days before being automatically delivered. The exchange rate is fixed when we receive the bank transfer, so the user is not impacted by price variations during that period. This is a fraud prevention measure that cannot be removed.
{% endhint %}

### 💳 By card, Google Pay, Apple Pay

When buying crypto by card, we will instantly receive the user's payment but it won't guarantee that we will instantly deliver the crypto. We will do so on a best effort basis, but it won't always be possible for various compliance or liquidity reasons, notably:

1. Crypto bought by card usually take a few minutes to appear in the end user's wallet. In some cases, it can take up to several hours in case of network congestion.
2. If a user makes several card purchases in a row, he may be flagged by our system for manual processing and his transaction will therefore take longer to be delivered.

## ⬇️ Off-ramp

### 🏦 By bank transfer

The table below shows the time it usually takes for a bank transfer to arrive on the user's destination bank account depending on its location:

| Transfer sent to           | Time              |
| -------------------------- | ----------------- |
| CHF transfer (Switzerland) | 0-1 business day  |
| SEPA (Europe)              | 1-2 business days |
| SWIFT (rest of the world)  | 1-5 business days |

{% hint style="info" %}
Business days: Monday to Friday
{% endhint %}

{% hint style="info" %}
Please note that bank transfer times are not an exact science and that not all banks process transfers at the same speed.
{% endhint %}

## 💱 Swap

When swapping crypto, we will receive the user's crypto transfer as soon as the transaction will have been mined, but it won't guarantee that we will instantly deliver the crypto. We will do so on a **best effort basis**, but it won't always be possible (for compliance or liquidity reasons, for instance).