EMpulse

EMpulse › Products › Rail Health Index

Rail Health Index: which payment methods work today

Which payment methods in a country work today and how reliably: cards, bank transfers, instant transfers, e-wallets, mobile money, cash, crypto and direct local rails, each with a status (healthy / degraded / outage), a health index against its own norm, availability through the day and a supply class — for pay-ins and payouts.

Payment companies and online businesses entering emerging markets, gambling and forex operators routing deposits, payout and treasury teams choosing the rail for today, developers building routing logic.

Pro $290/month · all plans · free level without a key · API docs

Payment rails on 2026-10-24 (public view, one day behind)

CurrencyPay-insPayouts
AED United Arab Emirates ——
ARS Argentina bank transfers healthy—
AZN Azerbaijan cards healthy · instant transfers degraded (since 2026-10-24 06:00 UTC)cards healthy
BDT Bangladesh ——
BHD Bahrain bank transfers healthybank transfers healthy
EGP Egypt cash healthy · instant transfers healthyinstant transfers degraded (since 2026-10-24 02:00 UTC)
ETB Ethiopia ——
INR India bank transfers degraded (since 2026-10-24 18:00 UTC) · instant transfers healthybank transfers degraded (since 2026-10-21 09:00 UTC)
JOD Jordan instant transfers degraded (since 2026-10-21 17:00 UTC) · other methods healthyinstant transfers healthy
KGS Kyrgyzstan —cards healthy
KRW South Korea —bank transfers healthy
KZT Kazakhstan cards outage (since 2026-10-24 09:00 UTC)—
MDL Moldova ——
PKR Pakistan direct local rails outage (since 2026-10-09 18:00 UTC) · instant transfers degraded (since 2026-10-23 12:00 UTC) · mobile money outage (since 2026-10-15 18:00 UTC)instant transfers healthy
RUB Russia cards degraded (since 2026-10-12 07:00 UTC) · instant transfers healthycards healthy · instant transfers healthy
SAR Saudi Arabia ——
TJS Tajikistan cards healthy—
TRY Turkey bank transfers degraded (since 2026-10-23 22:00 UTC)bank transfers healthy
UAH Ukraine cards healthybank transfers healthy · cards healthy
USD United States ——
UZS Uzbekistan cards degraded (since 2026-10-24 07:00 UTC)cards healthy

328 status changes in the last 30 days (the incidents feed is on Pro). Statuses: healthy · degraded (three hours below the rail's norm) · outage (six hours without attempts at usual traffic).

Free and Pro

Free

$0

  • daily status per method class
  • free currencies
  • one day behind
  • 100 requests a day
Get a free key

Pro

$290/month

  • every active currency, today
  • health index, availability, supply
  • hourly status
  • history and the incidents feed
  • MCP tool get_rail_health
  • 10 000 requests a day
Get Pro

All products in one plan: see pricing. Series delivered to each key may contain insignificant individual differences (see the license terms).

API and MCP

Without a key (free level): GET https://api.empulse.ai/v1/rails/{CUR}. With your key in X-API-Key the same call answers at your plan's level.

curl https://api.empulse.ai/v1/rails/AED
curl -H "X-API-Key: YOUR_KEY" https://api.empulse.ai/v1/rails/AED

AI assistants and agents: tool get_rail_health(currency) on the EMpulse MCP server https://api.empulse.ai/mcp.

Example response (free level)

{
  "product": "rail-health",
  "source": "EMpulse Rail Health Index",
  "as_of": "2026-10-24",
  "plan": "free",
  "currency": "AED",
  "country": "United Arab Emirates",
  "day": "2026-10-24",
  "summary": {
    "pay_ins": null,
    "payouts": null
  },
  "rails": [
    {
      "method": "bank_transfer",
      "direction": "out",
      "status": "no_data",
      "status_since": "2026-09-29T23:00+00:00",
      "confidence": "limited"
    }
  ],
  "citation": {
    "text": "The EMpulse Rail Health Index has no status for payment rails in United Arab Emirates on 2026-10-24.",
    "url": "https://empulse.ai/products/rail-health",
    "source": "EMpulse Rail Health Index"
  }
}

How to cite

The EMpulse Rail Health Index has no status for payment rails in United Arab Emirates on 2026-10-24.

Cite as "EMpulse Rail Health Index" and link this page (https://empulse.ai/products/rail-health). Every API and MCP answer carries a ready citation. Not investment advice.

Sources and licences

Methodology

Rail Health Index

  • Class = currency × direction (pay-ins / payouts) × method class: card, bank_transfer, fast_transfer, wallet, mobile_money, cash, crypto, direct (direct integrations with local rails), other. Attempts with no method selected are not a rail and are left out.
  • Success rate of a day = successful attempts / attempts, published only through the index: a day with fewer attempts than the minimum is insufficient (null). The 7-day rate smooths it; the baseline is the median of the daily rates over the previous 90 days (at least 7 days with a value).
  • health_index = 7-day rate / baseline × 100, capped at 100. 100 means the rail performs at its own norm; below 80 is a degradation. The index is relative: a rail that always converts 60 % reads 100 while it stays at 60 %.
  • availability = the share of the day's hours in which the rail accepted at least one attempt.
  • supply = ample / scarce / none from the number of funded, open counterparties on the rail per hour.
  • status follows hourly rules: three consecutive hours with a success rate below 80 % of the baseline → degraded (three good hours → healthy); six consecutive hours without attempts at hours that usually carry traffic → outage (the first hour with attempts ends it); a class without a baseline yet → no_data. status_since is the hour the current status began; every change is an incident (/v1/rails/incidents) and an item of kind rail in the EM FX Events feed.
  • confidence: high / medium / limited from the breadth of the market data behind the class (attempts and businesses of the last 7 days); the numbers themselves are not published.
  • Days are UTC. The current day is recomputed with every data load; the status of a day is its last hour's.

General index methodology: /methodology. Related: unmet-demand · usdt-liquidity.