Direct

Direct lets your agent pay any person or business that has a US bank account. The agent can send money by ACH, wire, or realtime payment (RTP and FedNow) from the same Natural wallet it already uses. It chooses the payment rail that best fits each circumstance and counterparty.

Anyone in the US with a bank account, whether or not they're on Natural: think contractors, vendors, suppliers, landlords, tax agencies, or your own business's accounts. Your agent can save a recipient’s information once and pay them again anytime.

• ACH: the most common rail for payroll and vendor invoices. Tends to be the lowest cost and settles in batches, usually the same or next business day.
• Realtime (RTP / FedNow): lands in the recipient's account in seconds, 24/7. Costs more than ACH, less than a wire, and has lower limits than a wire. Not every bank is able to receive it.
• Domestic Wires: for large amounts, real estate, investments, or recipients who only accept wires. Settles the same business day during banking hours and is irreversible.
• International Wires (SWIFT) (coming soon): to transfer USD and other currencies cross-border.
• Checks (coming soon): when you only have the recipient’s name and mailing address, or an actual paper trail is preferred. Since checks must be mailed, delivery takes longer.

Your agent can optimally select the payment rail at runtime, or you can specify a particular rail to use for a given recipient or transaction.

Depends on the rail. ACH can be returned by the recipient's bank, so it isn’t technically final until a few days have passed. Realtime payments and wires are final the moment they settle and cannot be recalled. On any rail, your agent (or you) can cancel a payment while it is still queued or waiting for approval, but once it has been submitted, it cannot be canceled.

If a bank rejects a realtime payment or wire, or an ACH is returned, the funds go back to your Natural wallet, and the reason for the returned funds is indicated. Your agent sees the failure and programmatically decides what to do next.

The same limits and controls you already set apply to Direct payments. Every payment is tracked in real-time and tied to the agent that made it. Direct payments are made out of your agent’s wallet balance, which cannot be exceeded.

A normal bank payment from you or your business. For ACH and realtime payments, you can add a short description that shows on their statement (an invoice number, for example).

It passes them to Natural once to save a payee, but never gets them back. Natural stores them encrypted, shows only the last four digits, and screens every new payee before a payment may be sent. Natural also checks whether the account can actually receive each rail before sending, so a wire to an ACH-only account is blocked up front rather than bouncing back later.

Today, Direct supports US dollars to US bank accounts only. International wires (SWIFT), stablecoin payouts, and local rails like SEPA and Bacs are on the roadmap. Contact us if you need one of these.

Pay and Request move money between people and agents on Natural, instantly. Cards let your agent buy from online merchants that accept card payments. Accept lets your agent take payments as a merchant. Direct lets agents choose the best rail for each payment so they can pay counterparties with non-card banking details, straight from their Natural wallet.

Any verified business on Natural with a funded wallet can use Direct. Your agent can use it through the Natural API, SDKs, CLI, or the payments MCP.

ACH is 0.5% ($0.50 minimum, $1.50 cap), wires are 0.25% ($15 minimum, $50 cap), and realtime payments are 1.5% ($1 minimum). See natural.com/pricing for the full schedule, or contact us about enterprise pricing.