Sending money from the United States to Haiti: the payments stack
Sending USD 200 from the United States to Haiti cost 4.7% of the amount on average in Q3 2025, across 16 services in the World Bank's Remittance Prices Worldwide survey. Payouts in Haiti typically run over SPIH (Système de Paiement Interbancaire Haïtien), Electronic cheque clearing; between now and the end of 2027 there are 10 weekdays when banks in the United States are closed but Haiti keeps paying out, so the payout balance has to be funded before them.
| Average cost to send | 4.7% of USD 200 (Q3 2025, World Bank RPW) source |
| Money transfer operators | 4.7% across 16 services |
| Collect in United States | FedNow Service, FedNow network limit, RTP network, Fedwire Funds Service, FedACH and Same Day ACH, Same Day ACH limit |
| Pay out in Haiti | SPIH (Système de Paiement Interbancaire Haïtien), Electronic cheque clearing, Mobile wallets (FSP) |
What it costs to send USD 200
The World Bank surveyed 16 services sending from the United States to Haiti from 8 August 2025 to 27 August 2025. The average total cost, fees plus the FX margin, was 4.7% of the amount sent; money transfer operators averaged 4.7%. source
Bank and operator averages are worked out from the survey's provider types.
The send side: the United States
- With few exceptions, each money services business must register with the US Treasury through FinCEN by filing FinCEN Form 107 within 180 days of being established, and must renew the registration every two years; a business that is an MSB only because it acts as agent of another MSB does not register. source
- Money transmission is also licensed state by state. As of September 2026, 31 states have enacted the CSBS Money Transmission Modernization Act in full or in part, and money transmitters licensed in at least one adopting state account for 99% of reported money transmission activity. source
- The Money Transmission Modernization Act sets a minimum tangible net worth of the greater of US$100,000 or 3% of total assets for the first US$100 million, 2% of assets from US$100 million to US$1 billion and 0.5% of assets above US$1 billion, and encourages states to run licensing, surety bonds and reporting through NMLS. source
Licences, sponsor banks, collections, ramps and KYC providers: sending from the United States.
The payout side: Haiti
| Payout partner | What it does in Haiti | Source |
|---|---|---|
| MonCash | Mobile wallet whose Full (MonCash Plus) wallet holders receive international transfers from partners including Digicel International, Boss Money, Sendwave, Taptap Send, Sharemoney, C.A.M. and Shaka Express from North America, and CIBAO, Girofacil, Uno Money Transfer and More Money from Latin America. | source |
| NatTransfer (NatCash) | BRH-licensed money transfer company paying into NatCash wallets through a network of more than 30,000 NatCash agents, with a limit of 40,000 HTG per transaction on a standard account and higher limits after eKYC. | source |
| Sogexpress | Sogebank group subsidiary that sends and pays Western Union transfers at more than 500 Sogexpress points in Haiti. | source |
| CAM Transfer (Caribbean Airmail Inc.) | BRH-authorised maison de transfert based at the airport industrial park in Port-au-Prince. | source |
| Unitransfer S.A. | BRH-authorised maison de transfert based at the airport industrial park in Port-au-Prince. | source |
Licensing, local banks, stablecoin ramps, FX and KYC in Haiti: launching payments in Haiti.
Payout rails in Haiti
| Rail | Operator | What matters for payouts | Source |
|---|---|---|---|
| SPIH (Système de Paiement Interbancaire Haïtien) | Banque de la République d'Haïti | 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 | Banque de la République d'Haïti | Electronic clearing and settlement introduced in 2013 cut cheque clearing times from five days to two. | source |
| Mobile wallets (FSP) | BRH-authorised electronic payment service providers | Wallet providers must hold BRH authorisation or non-objection as FSPs; the BRH list includes MonCash (Unigestion Holding) and NatCash (NATCOM). | source |
Holiday gaps to plan for, to December 2027
Weekdays when one side of the corridor is closed. On the 10 dates when the United States is closed and Haiti is open, the payout balance has to already hold enough to cover them. On the 10 dates when Haiti is closed, instant rails may still pay out.
| Date | United States | Haiti | What it means |
|---|---|---|---|
| Mon 2 Nov 2026 | Open | All Souls' Day (Fete des Morts) | Haiti banks closed: only always-on rails pay out |
| Wed 11 Nov 2026 | Veterans Day | Open | Prefund Haiti the day before: no funding from the United States, payouts continue |
| Wed 18 Nov 2026 | Open | Battle of Vertieres Day | Haiti banks closed: only always-on rails pay out |
| Thu 26 Nov 2026 | Thanksgiving Day | Open | Prefund Haiti the day before: no funding from the United States, payouts continue |
| Fri 25 Dec 2026 | Christmas Day | Christmas Day | Both closed |
| Fri 1 Jan 2027 | New Year's Day | Independence Day and New Year's Day | Both closed |
| Mon 18 Jan 2027 | Martin Luther King Jr. Day | Open | Prefund Haiti the day before: no funding from the United States, payouts continue |
| Tue 9 Feb 2027 | Open | Mardi Gras (Carnival Tuesday) | Haiti banks closed: only always-on rails pay out |
| Mon 15 Feb 2027 | Washington's Birthday (Presidents Day) | Open | Prefund Haiti the day before: no funding from the United States, payouts continue |
| Fri 26 Mar 2027 | Open | Good Friday | Haiti banks closed: only always-on rails pay out |
| Tue 18 May 2027 | Open | Flag Day | Haiti banks closed: only always-on rails pay out |
| Thu 27 May 2027 | Open | Corpus Christi (Fete-Dieu) | Haiti banks closed: only always-on rails pay out |
| Mon 31 May 2027 | Memorial Day | Open | Prefund Haiti the day before: no funding from the United States, payouts continue |
| Mon 5 Jul 2027 | Independence Day (observed) | Open | Prefund Haiti the day before: no funding from the United States, payouts continue |
| Mon 6 Sep 2027 | Labor Day | Open | Prefund Haiti the day before: no funding from the United States, payouts continue |
| Mon 20 Sep 2027 | Open | Dessalines Day | Haiti banks closed: only always-on rails pay out |
| Mon 11 Oct 2027 | Columbus Day | Open | Prefund Haiti the day before: no funding from the United States, payouts continue |
| Mon 1 Nov 2027 | Open | All Saints' Day (La Toussaint) | Haiti banks closed: only always-on rails pay out |
| Tue 2 Nov 2027 | Open | All Souls' Day (Fete des Morts) | Haiti banks closed: only always-on rails pay out |
| Thu 11 Nov 2027 | Veterans Day | Open | Prefund Haiti the day before: no funding from the United States, payouts continue |
| Thu 18 Nov 2027 | Open | Battle of Vertieres Day | Haiti banks closed: only always-on rails pay out |
| Thu 25 Nov 2027 | Thanksgiving Day | Open | Prefund Haiti the day before: no funding from the United States, payouts continue |
Full calendars: United States and Haiti. Size the buffer with the corridor runway calculator.
Funding the corridor
- Fedwire does not run on Saturdays, Sundays or Federal Reserve holidays; the Monday business day opens at 9:00 p.m. ET on Sunday and every business day closes at 7:00 p.m. ET, with customer transfers cut off at 6:45 p.m. ET. source
- Federal Reserve holidays in the rest of 2026 are Veterans Day (11 November), Thanksgiving (26 November) and Christmas (Friday 25 December); in 2027, Juneteenth (19 June) and Christmas (25 December) fall on Saturdays, so the Reserve Banks open on the Friday before. source
- 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
Running the corridor
Polynopsis shows every balance on both sides of this corridor in one live position: the collection accounts in United States, the payout partners and banks in Haiti and any stablecoin in between. It warns before the Haiti balance runs dry, holidays included. See how it works.
Frequently asked questions
How much does it cost to send money from the United States to Haiti?
The World Bank's survey put the average total cost of sending USD 200 at 4.7% in Q3 2025, across 16 services. Money transfer operators averaged 4.7%.
Which rails pay out in Haiti?
Local payouts run over SPIH (Système de Paiement Interbancaire Haïtien), Electronic cheque clearing, Mobile wallets (FSP).
When do I need to prefund Haiti payouts ahead of holidays?
Between now and December 2027 there are 10 weekdays when the United States is closed and Haiti is open, the first on Wed 11 Nov 2026. The payout balance has to cover those days before they start.
Related corridors
Sources
- World Bank, Remittance Prices Worldwide dataset · World Bank
- Holiday Schedules (Federal Reserve Banks, 2026 to 2030, plus FedACH holiday processing) · Federal Reserve Financial Services
- Fedwire Funds Service and National Settlement Service Operating Hours · Federal Reserve Financial Services
- Jours feries · Banque de l'Union Haitienne
- Haiti: les 14 et 15 aout 2026 declares jours feries et chomes · Juno7
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