> ## Documentation Index
> Fetch the complete documentation index at: https://help.omnivoo.com/llms.txt
> Use this file to discover all available pages before exploring further.

> ## Agent Instructions
> Omnivoo is an India-first Employer of Record (EOR) platform. EOR hiring is India only; contractors are supported in 220+ countries and territories.
> Never tell a user to log in with a password. Authentication is passwordless: email OTP, passkeys, Google, or SSO.
> Statutory figures (TDS slabs, PF, ESI, Professional Tax, gratuity) change by financial year. Always state the year the figure applies to.
> Never name a third-party payment provider as Omnivoo’s payment rail. Refer to "our payments partner".

# Payment Methods

> How invoice payments work on Omnivoo, and which bank details you are shown.

Omnivoo invoices are paid by **manual bank transfer**. When you open the payment modal on an invoice, there is a single action, **Payment Initiated**, and Omnivoo then shows the bank account to transfer to. There is no card payment and no automated bank debit.

## Payment Options at a Glance

| Method            | Who can use it | Processing time   | Setup required                                        |
| ----------------- | -------------- | ----------------- | ----------------------------------------------------- |
| **Bank transfer** | Every company  | 1-3 business days | None. You are shown the account details when you pay. |

<Note>
  Some accounts also have a **prepaid funding wallet** you can top up ahead of time, separate from paying an individual invoice. Adding funds that way is covered in [Funding your wallet](/billing/funding-wallet).
</Note>

## How the Payment Modal Works

<Steps>
  <Step title="Open the invoice">
    Open **Finance** in the left sidebar and click **Pay** on a pending invoice.
  </Step>

  <Step title="Check the method shown">
    The modal shows the amount and, for most billing countries, the bank transfer method matched to your country (for example "EUR Bank Transfer (SEPA)"). If your billing country is the United States, the modal instead says "Confirm below to receive the bank details for your transfer."
  </Step>

  <Step title="Click Payment Initiated">
    Clicking **Payment Initiated** tells Omnivoo you are sending the transfer and reveals the bank details. The invoice moves to **Processing**.
  </Step>

  <Step title="Send the transfer">
    Log into your own banking portal and send the exact amount using the details shown, including the invoice number in the memo.
  </Step>
</Steps>

<Warning>
  Clicking **Payment Initiated** does not move any money. It only records that you are sending a transfer and shows you where to send it. You still have to make the transfer from your bank.
</Warning>

## Which Bank Details You Are Shown

The account you transfer to is chosen by the **currency of the invoice**, not by your company's country:

| Invoice currency                      | Transfer method            | Details shown                                                      |
| ------------------------------------- | -------------------------- | ------------------------------------------------------------------ |
| **EUR**                               | SEPA / SEPA Instant        | IBAN, BIC                                                          |
| **GBP**                               | FPS / CHAPS / BACS         | Account number, Sort code                                          |
| **CAD**                               | EFT                        | Account number, Routing number, Institution number, Transit number |
| **AUD**                               | BECS / NPP / Osko          | Account number, BSB number                                         |
| **SGD**                               | FAST / GIRO / MEPS         | Account number, BIC                                                |
| **Any other currency, including USD** | SWIFT (international wire) | IBAN, BIC, Bank address                                            |

<Info>
  There is no US domestic account. A **USD** invoice falls into the SWIFT case, so you are shown an international wire to a UK IBAN. SWIFT transfers may incur additional charges from intermediary banks, so send the full invoice amount and it is worth checking the fees with your bank first.
</Info>

Every set of details also shows the **Amount**, the **Reference** (`Invoice` followed by your invoice number), and a note asking you to include the invoice number in the transfer memo.

<Tip>
  Always include the invoice number in the transfer memo. This is the reference Omnivoo uses to match your payment to the correct invoice.
</Tip>

## In Company Settings

There are no bank accounts to connect, add, or make default. In **Company Settings**, under the **Payroll & Billing** tab, the **Payment Methods** card is a single blue info box titled **Bank Transfer Payments**, reading "For your billing region, you'll see bank transfer details when paying invoices. No bank account setup needed."

To get there, open the avatar menu at the bottom of the sidebar, choose **Company Settings**, then select the **Payroll & Billing** tab.

## Related

* [Paying Invoices](/billing/paying-invoices)
* [How bank transfer payment works](/billing/bank-account-setup)
* [Understanding Invoices](/billing/invoices)