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International Wire Payments: FAQ

Note: As of March 25, 2020, we are unable to send payments to Jordan due to their country-wide lockdown. We will update this message as we receive new information.

Also, due to existing circumstances, some countries are experiencing payment delays as they transition to remote work environments. Please plan for additional time when sending payments to these countries, which you can find on the list of countries. now lets you pay international vendors electronically, making cross-border business payments just as easy as domestic. It's the newest addition to the payment solution you know and love. Compared to your bank, is a more cost-effective way to make International payments.

General Questions

Paying Bills


General Questions

What is International Wire Payments and who can use it?

  • is a business payments platform. With our international wire payments solution, we enable our customers to make electronic payments to their vendors outside the US for business or commercial purposes.
  •’s international wire payments solution is available to business entities such as corporations, LLC and partnerships and to sole proprietors that use our service to make business or commercial payments. Our service is not designed for consumers and we may decline transactions from individuals if they are intended for personal, family or household purposes.
  • This feature is available for all account types, including free subscription accounts.

What is multi-currency?

  • Multi-currency is the ability to enter your bill in a foreign currency. This is separately enabled. If you are interested in multi-currency and it is not turned on, reach out to customer support. Multi-Currency sync is supported for QuickBooks Online, QuickBooks for Windows, Xero, Oracle NetSuite and Sage Intacct.
  • Multi-Currency must be enabled in the accounting software to use Multi-Currency with

I have been using banks to send payments. How is different?

  • On average we save customers more than 50% in fees than banks.

What is the difference between ACH and wire payments?

  • An automated clearing house (ACH) is an electronic funds-transfer run by the National Automated Clearing House Association (NACHA) to move funds from an account domiciled in a US based financial institution to an account in another US based financial institution. Wires on the other hand is another method where you could also send funds to an account outside the country of the payer. uses wires to send funds to a beneficiary located outside US.

What will charge for international wire payments?

  • For payments made in local foreign currencies, we do not charge a wire transfer fee and offer a competitive exchange rate
  • USD to USD payments are $9.99 for the wire transfer fee


Where will I see charges made for international wire payments?

  • Charges will be found in your monthly billing statement.

Does use third parties to execute international transactions and how are they selected?

  • Yes, does use a third party. As part of our process, we use carefully selected third party vendors to deliver capabilities complementary to the services we provide to our customers. All vendors undergo a comprehensive vetting process, including information security, risk and compliance assessment prior to being selected. In addition, all vendors are subjected to ongoing oversight in line with our vendor management policies and procedure.

Will my vendor incur any charges for receiving funds?

  • All intermediary (correspondent) bank fees that are usually applicable with Wire payments are covered by and will not be deducted from the payment amount. However, the vendor’s bank can charge the vendor some type of service charges based on the type of account they have with their bank. These fees are typically communicated by the bank with their customers directly.
    • An intermediary bank is a bank that acts on behalf of the vendor’s bank. Payments will reach the intermediary bank before being credited to the vendor.

Are International Wire payments available for Receivables?

  • This feature is only available for Payables


Paying Bills

What countries can I send International Wire Payments to?

When will other countries be supported?

  • If a country is not on the list that you would like to send funds to, please contact customer support to submit your request to have the country supported.

Is International Wire Payments supported on mobile?

  • International Wire Payments is supported on the Mobile app. For International vendors already setup for International Wire Payments online, they can be paid via International Wire within the mobile app, for both IOS and Android.
  • If multi-currency is enabled on the account and International vendors have already been set up for foreign currency bills online, foreign currency bills can be created within the mobile app, for both IOS and Android.
  • Setting up an International vendor to be paid by Wire or to have foreign currency bills must be done on a desktop browser or mobile browser via the online version of

Will I be able to send some payments via check and others via wire payments?

  • The payment method is managed at the vendor level. The default payment method for vendors is check until the vendor’s international bank account information is added. Once a vendor bank account is added, the payment method for the vendor will be wire payments until the bank account is removed.

Can I enter bills in foreign currency?

  • Yes, you can enter and manage bills in foreign currencies. You can find more information on Multi Currency here.
    • If you are interested in multi-currency, you can reach out to customer support. We are supporting multi currency sync for QuickBooks for Windows, QuickBooks Online, Xero, Oracle Netsuite and Sage Intacct.

How do I sync my bills in foreign currency?

  • The sync for foreign currency vendors & transactions works the same as for domestic vendors and transactions.

Are there any limits to the amount I can send to International vendors?

  • The minimum amount of an International wire payment must be over $1. Any payments that are $1 or less will auto void
  • There are no maximum amount limits but a payment in a large amount may take an extra 2 days

What is the exchange rate when paying an international vendor in a foreign currency?

  • Exchange rates fluctuate constantly so it is difficult to provide an accurate number. The exchange rate that offers is competitive with market rates.

I made a transaction in, and the FX rate does not match the rate I found on [Google, OANDA, etc.] Why is that?

  • That is called the mid-market rate, or inter-bank rate. It’s the rate that very large financial institutions, like banks, use when they trade currencies amongst themselves. This is never the rate that individuals or businesses will get when they conduct these transactions.

When will I be able to see the exchange rate during the foreign vendor payment process?

  • If using our Multi-Currency feature, the ability to enter a bill in foreign currency, we will provide an indicative exchange rate when entering bills in foreign currency but it may change based on when the payment is made. When scheduling the payment (clicking pay), you will see the USD equivalent which will be debited from your account.
  • For USD bills paid in foreign currency, the exchange rate used is at the time the payment processes at 2 AM PT. The amount the vendor receives will be displayed on the payment details page once the payment has deposited.

How long does it take for vendors to receive payment?

  • Most payments are delivered within 1 to 5 business days. The time could vary depending on the country of vendor, currency and the amount and time it takes to get funds from your bank account. We will provide you with an estimated delivery time when you schedule the payment.
    • Also note that exact time of funds being made available on vendor’s bank account may vary from bank to bank.
  • Here is an example of payment delivery schedule for accelerated payments(our operations team has reviewed your account and accelerated payment timing):
Payment Currency Monday (Day 0) Tuesday (Day 1) Wednesday (Day 2) Thursday (Day 3) Friday (Day 4)


USD (To Canada*)

Payment is scheduled by 6 PM PT to be processed the following business day We withdraw funds from from your bank account and deposit the funds in your vendor’s bank account      


We withdraw funds from from your bank account We deposit the funds in your vendor’s bank account    


USD (except to Canada)

We withdraw funds from from your bank account   We deposit the funds in your vendor’s bank account  

* if you select iACH instead of wires for your Canadian vendor, delivery timing is 1 business day


How do I know how much my vendor will receive?

  • The amount we disburse to your vendor will be displayed on the payment details screen after the payment is deposited. 

Can I cancel or void my international wire payments?

  • Yes
    • Payments scheduled before 3 PM PT the day before the process date can be canceled before 4 PM PT on the business day before the process date
    • Payments scheduled after 3 PM PT the day before the process date can be canceled before 6 PM PT on the business day before the process date
    • Payments can be voided after 1 AM PT and before 5 AM PT on the process date
    • NOTE: Once the funds have been disbursed, an international wire payment cannot be voided.


What happens if a wire payment fails?

  • If a wire payment fails, an email notification will go to all users that can manage payments
  • Contact Support to determine reason for payment failure - this process may take 1-2 business days
  • Remedy the cause of the failure 
  • Action will need to be taken on the failed payment
    • Void and Reissue - if the vendor still needs to be paid via
    • Void and Remit - if the payment no longer needs to be made via