Prefunding HTG payouts in Haiti
Prefunding payouts in Haiti means holding HTG with a payout partner or a local settlement account before transfers are paid, so recipients are paid without waiting for funds to arrive. Payouts run over SPIH (Système de Paiement Interbancaire Haïtien) and Electronic cheque clearing. There are 9 weekday bank closures in Haiti in the next 12 months to fund around. The rules and timings below are the ones that decide how much to hold and when to top up.
Funding rules and timing in Haiti
- Transfer operators abroad must remit the funds received from senders in US dollars to their authorised agents in Haiti (banks and maisons de transfert) or to their Haitian subsidiaries, so prefunding is in USD. source
- The BRH publishes the reference rate and the average acquisition rate daily; on 24 October 2026 they were 130.7080 and 131.4420 gourdes per dollar. source
- Banks and maisons de transfert reimburse their sub-agents for transfers paid 70% in gourdes and 30% in US dollars, and sub-agents must sell that 30% only to an authorised exchange intermediary. source
- BRH Circular 98 of 20 May 2011 sets a US$1.50 fee on each international transfer, sent or received, collected by banks and maisons de transfert, billed monthly and payable before the 10th of each month; it does not apply to transfers banks make for their own account. source
- Since 1 January 2026 the United States has charged a 1% tax on remittance transfers, as the Electronic Fund Transfer Act defines them (transfers that consumers send to recipients abroad), when the sender pays the provider in cash, by money order, by cashier's check or with a similar physical instrument; transfers funded from an account at a US financial institution or with a US-issued debit or credit card are exempt. The sender owes the tax, and the provider collects it and remits it quarterly. source
The rails that spend the prefund
| Rail | What matters for payouts | Source |
|---|---|---|
| SPIH (Système de Paiement Interbancaire Haïtien) | Real-time gross settlement system set up in 2007 for electronic transfers in gourdes or foreign currency between accounts at different participants; settlements are irrevocable and unconditional. | source |
| Electronic cheque clearing | Electronic clearing and settlement introduced in 2013 cut cheque clearing times from five days to two. | source |
| Mobile wallets (FSP) | Wallet providers must hold BRH authorisation or non-objection as FSPs; the BRH list includes MonCash (Unigestion Holding) and NatCash (NATCOM). | source |
Where the prefund sits
Money for Haiti payouts is usually held with one or more of these, each a balance to watch. The full shortlist, with sources, is on the Haiti payments stack page.
| Payout partners | MonCash, NatTransfer (NatCash), Sogexpress, CAM Transfer (Caribbean Airmail Inc.), Unitransfer S.A. |
| Local banking and settlement accounts | Sogebank, Unibank |
Bank closures to fund around
Weekdays in the next 12 months when banks in Haiti are closed. Top up before each one.
| Date | Holiday | Status |
|---|---|---|
| Mon 2 Nov 2026 | All Souls' Day (Fete des Morts) | confirmed |
| Wed 18 Nov 2026 | Battle of Vertieres Day | confirmed |
| Fri 25 Dec 2026 | Christmas Day | confirmed |
| Fri 1 Jan 2027 | Independence Day and New Year's Day | expected |
| Tue 9 Feb 2027 | Mardi Gras (Carnival Tuesday) | expected |
| Fri 26 Mar 2027 | Good Friday | expected |
| Tue 18 May 2027 | Flag Day | expected |
| Thu 27 May 2027 | Corpus Christi (Fete-Dieu) | expected |
| Mon 20 Sep 2027 | Dessalines Day | expected |
Full list and notes: Haiti bank holidays.
Corridors into Haiti
| Corridor | Average cost to send | Period |
|---|---|---|
| Canada to Haiti | 5.78% | Q3 2025 |
| France to Haiti | 4.86% | Q3 2025 |
| United States to Haiti | 4.7% | Q3 2025 |
Costs are World Bank Remittance Prices Worldwide averages for sending the equivalent of US$200.
Size the prefund
Hold enough HTG to cover payouts for your lead time plus every closure in that window, then top up when runway drops below target. The corridor runway calculator does the arithmetic; the glossary explains prefunding, corridor runway and liquidity buffers.
Where Polynopsis fits
Polynopsis shows the HTG balance at every partner and account that funds Haiti payouts, next to the payouts expected against it and the top-ups already in flight, and warns before the corridor runs dry, including ahead of Haiti bank holidays.
Know where all your money is.
Polynopsis gives cross-border payment teams one live position across every bank, payout partner, exchange and wallet, including money in flight, and warns before a corridor runs dry.
About Polynopsis
Polynopsis is liquidity management software for cross-border payment companies. The name joins poly, many, and synopsis, a seeing together: one live view of money spread across many banks, payout partners, exchanges and stablecoin wallets, including money in flight, with a warning before any corridor runs dry.
Why it is called Polynopsis · About Polynopsis · Glossary · Corridor runway calculator