The XB-ACH solution offers low-value local clearing for high-volume payments in multiple countries. Furthermore, the XB-ACH solution offers a single pipeline for all cross-border payments, supporting over 120+ payment currencies. The service automatically clears payments as urgent/high-value payments wherever ACH is not available for the country/currency. Therefore, a single payment file can be sent for all destination countries, currencies and value dates. As part of the service, we ensure that payments are converted to meet local country format requirements.