73 markets across six geographic regions, on one integration — cards where the network supports them, plus the local rails a market's customers actually reach for.
Some markets run on global card networks end to end. Others clear almost entirely on local bank transfer, mobile money or a market-specific wallet, with cards adding little on their own. The table below lists, market by market, the methods CyberPay actually offers there — not a generic summary of what a market's banking system supports in theory.
Where a market shows cards, Visa and Mastercard acceptance sits alongside whatever local rails apply. Where it does not, local methods carry the transaction on their own — that is the market, not a gap in the integration. Pay-ins and payouts are available in every market listed, on the same connection.
Payouts follow the same logic as pay-ins, market by market. A bank-transfer market pays out by bank transfer. A mobile-money market pays a wallet, not a bank account nobody checks. There's no separate cross-border wire for a recipient to chase down, and no rail that only clears one way.
Regions are a navigational grouping, not a coverage boundary — the country list below is the source of truth. Open Banking runs Europe-wide (EEA markets, plus the UK's own regime); cards are near-universal wherever the network supports them.
Europe carries the largest share of the table because Open Banking and bank transfer apply across nearly every EEA market plus the UK, on top of card acceptance — one capability, thirty markets. Latin America and Asia-Pacific run mostly on local bank transfer, mobile money and e-wallets, added market by market rather than assumed from a regional average.
Onboarding hinges on where your customers actually are, not where your business is incorporated. A merchant selling into Kenya and into Brazil is underwritten against two different rails — mobile money and PIX — reviewed together, not through one generic form that assumes cards everywhere.
| Market | Key methods | Currency | Pay-in | Payout |
|---|
Availability varies by business profile and market licensing; the list expands as rails go live. Settlement is tailored per merchant and agreed at onboarding.
Coverage runs on a small number of real method families, not a market-by-market patchwork. Every market in the table draws from this list — which families apply, and in what mix, is what the table's Key Methods column actually shows.
Everything above describes pay-ins and payouts: the 73 markets and method mix in the table apply to accepting and disbursing money. The rest of the stack doesn't follow the same map.
Card issuing and multi-currency IBANs are newer, and narrower. Both depend on the business profile and the jurisdiction involved, reviewed case by case rather than available everywhere pay-ins already run. See the products page for what each one is, and talk to us about what's available for your business specifically.
73 markets across six regions — Europe, Latin America and the Caribbean, Asia-Pacific, Africa, the Middle East and North Africa, and North America. The table above lists every one, with the methods and currency for each.
Yes. Cards apply wherever the network supports them; alongside that, each market adds the local rails its customers actually use — Open Banking and bank transfer across Europe, mobile money in parts of Africa, local wallets elsewhere. The table shows the real method mix per market, not a generic list.
Talk to us with the specifics. Coverage expands as rails go live, and a market's absence from the table today doesn't rule out onboarding — it means the local methods for it aren't live yet.
The same way pay-ins do, per market. Bank transfer where that's the rail, mobile money where that's the rail, cards where cards apply. A payout lands through the channel a recipient already uses at home — not a cross-border transfer they have to track down.
Tell us where your customers are. We'll walk you through the methods and coverage that apply to your business.