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

# Supported Configurations

> Supported onramp parameters: EUR/GBP/USD fiat, USDT, networks, plus open banking, SEPA, and Plaid ACH-pull payment flows, limits, and settlement times.

This page provides a high-level summary of the supported configurations for initiating transactions using Saber Money. The configurations include fiat currencies (`from_currency`), cryptocurrencies (`to_currency`), blockchain networks (`network`), and available payment methods.

## Supported Parameters

| **Parameter**   | **Supported Values**                              |
| :-------------- | :------------------------------------------------ |
| `from_currency` | `EUR`, `GBP`, `USD`                               |
| `to_currency`   | `USDT` (additional tokens available upon request) |
| `network`       | All major blockchain networks are supported       |

## Payment Methods Overview

The available payment methods depend on the `from_currency`. Below is a quick summary of the supported payment methods and their respective workflows.

### For EUR and GBP

| **Payment Method**                          | Method Name     | **Description**                                                                                     | **Additional Steps**                             |
| :------------------------------------------ | :-------------- | :-------------------------------------------------------------------------------------------------- | :----------------------------------------------- |
| **Open Banking**                            | `open_banking`  | Users are redirected to a payment page to authorise their bank account, where money is pulled from. | None (handled via redirect).                     |
| **Bank Transfer** (Not available right now) | `bank_transfer` | Manual SEPA/SEPA Instant transfer to a provided bank account.                                       | User must update Transaction Reference and IBAN. |

**User Flow:**

1. User Creation
2. User KYC through KYC Widget or KYC Sharing
3. Bank Selection and Payment Authorisation through Open Banking payment URL
4. Redirection to the configured URL post payment

**Settlement time:**

* **SEPA Instant/Faster Payments**: We enforce SEPA Instant/Faster Payments by default if supported by the sender bank. Funds settle instantly in these cases.
* **SEPA**: If instant methods are not supported by the sender bank, funds typically settle within 1-2 business days.

**Transaction Limits and Minimum**

* **EURO**:
  * Min: €1
  * Max: NA (Depends on sender bank)
* **GBP**:
  * Min: £1
  * Max: NA (Depends on sender bank)
* Further limits applicable as per the user's KYC level.

**Additional notes:**

* Please ensure that the redirect URL is configured with Saber. This URL is required to redirect the user from the payment page.
* The payment URL, once generated, expires after 1 hour if the payment is not received.

### For USD

| **Payment Method** | Method Name              | **Description**                                            | **Additional Steps**         |
| :----------------- | :----------------------- | :--------------------------------------------------------- | :--------------------------- |
| **ACH Pull**       | `bank_transfer_ach_pull` | Money is pulled from the user's Plaid-linked bank account. | None (handled via redirect). |

**User Flow:**

1. User Creation
2. User KYC through KYC URL
3. USD bank account linking through Plaid using Saber Widget
4. Transaction Initiation: Fiat pulled from the linked bank account

**Transaction Limits and Minimum**

* Min: \$1
* Max: \$6,000
* Further limits applicable as per the user's KYC level.

**Settlement time (ACH Pull):**

* All ACHs are high-priority ACHs (i.e., same-day ACHs) and typically follow this schedule on processing days:
  * The cutoff time for the first batch is typically 10:30 ET, and the funds are generally settled by 13:00 ET.
  * The cutoff time for the second batch is typically 14:45 ET, and the funds are generally settled by 17:00 ET.
  * The last cutoff time of the day is at 16:50 ET, and the funds are generally settled by 18:00 ET.
* Settlements are delayed if:
  * The user is flagged as risky by the banking partner based on the user's previous transaction patterns. The funds are held for 2 days in this case.
  * Outside ACH processing window (e.g., weekends).

**Additional Notes:**

* User's USD bank account needs to be linked through Plaid Widget before onramp can be initiated.
* KYC to be done through the KYC Partner URL method only.
* Manual KYC/Bank Verification in Sandbox is not possible.
* The merchant needs to maintain a reserve amount (\$5,000) with Saber to account for any ACH reversals on their users.


## Related topics

- [Configuring Currency and Payment Methods](/docs/configuring-currency-and-payment-methods.md)
- [Webhook Configuration](/client/dashboard/webhooks.md)
- [EUR/GBP Openbanking: Best Practices](/onramp/currencies/eur-gbp-best-practices.md)
- [Quickstart](/docs/quickstart.md)
- [API Quickstart](/docs/quickstart-3.md)