Payment Methods

When you pay an invoice, Omnivoo offers the payment options that fit your company's billing country. US companies can pay by bank debit (ACH), by manual bank transfer, or by card. Companies outside the US pay by local bank transfer in their currency, or by card.

Payment Options at a Glance

Method	Who can use it	Processing time	Setup required
Bank Account (ACH)	US companies with a connected bank account	1-3 business days	One-time bank connection through our secure payments partner
Manual Bank Transfer	US companies	1-3 business days	None -- transfer to Omnivoo's US bank account
Local Bank Transfer	Companies outside the US	1-3 business days	None -- transfer to Omnivoo's local bank account
Card	Any company	Usually immediate	None

The options you see are based on the billing country saved in your company settings. The exact steps for each are covered in Paying Invoices.

note

Some accounts also have a prepaid funding wallet you can top up ahead of time by bank transfer or ACH, separate from paying an individual invoice. Adding funds that way is covered in Funding your wallet.

How Your Options Are Chosen

Your billing country, set during company onboarding and editable in your settings, decides which bank-based option appears in the payment modal:

• United States -- You can pay by bank debit (ACH) from a connected bank account, or by manual bank transfer to Omnivoo's US bank account.
• All other countries -- You pay by local bank transfer in your currency. Omnivoo shows bank details matched to your region.

A card payment option is also available. You do not need to pick anything in advance; the right choices appear automatically when you open the payment modal.

For US Companies: Bank Account (ACH)

Connect your US bank account for automated ACH debits. Funds are pulled automatically when you approve a payment.

How it works:

1. Connect your bank account through our secure payments partner (one-time process).
2. When paying an invoice, select your connected bank account.
3. Funds are debited from your account and typically clear in 1-3 business days.

Best for: Recurring payments, payroll funding, and large invoices.

Connecting a Bank Account

See Bank Account Setup for the full step-by-step guide.

Manual Bank Transfer (US)

If you prefer to start the transfer yourself rather than using an automated debit:

1. When paying an invoice, select Manual Bank Transfer.
2. Omnivoo displays the bank details to transfer to, with the invoice number as the reference.
3. Log into your own banking portal and send the transfer using those details.
4. Omnivoo confirms receipt within 1-3 business days and marks the invoice as Paid.

tip

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

For International Companies: Local Bank Transfer

Companies outside the US pay by transferring funds to Omnivoo's local bank account in their currency. No account setup or connection is required.

How it works:

1. When paying an invoice, select the bank transfer option and confirm.
2. Omnivoo shows bank details matched to your currency.
3. Log into your banking portal and send the transfer using those details.
4. Omnivoo confirms receipt within 1-3 business days and marks the invoice as Paid.

Supported Currencies and Transfer Methods

Currency	Region	Transfer Method	Details Shown
EUR	SEPA countries	SEPA / SEPA Instant	IBAN, BIC
GBP	United Kingdom	FPS / CHAPS / BACS	Account number, Sort code
CAD	Canada	EFT	Account number, Routing number, Institution number, Transit number
AUD	Australia	BECS / NPP / Osko	Account number, BSB number
SGD	Singapore	FAST / GIRO / MEPS	Account number, BIC
Other	All other countries	SWIFT (international wire)	IBAN, BIC, Bank address

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The bank details shown when you pay are specific to your billing currency. You transfer in your local currency, so no currency conversion is needed on your end. SWIFT (international wire) transfers may incur additional charges from intermediary banks.

Managing Your Bank Accounts (US)

Connected bank accounts are managed in Company Settings, under the Payroll & Billing tab, in the Payment Methods section. To get there, open the avatar menu at the top of the sidebar, choose Company Settings, then select the Payroll & Billing tab.

When you haven't added any bank accounts yet, the Payment Methods card shows an empty state titled "No payment methods added yet" with the prompt "Add a bank account to start paying contractors".

Each connected account shows:

• The account name and masked account number (e.g., "****1234")
• A Default badge if it is your default account
• A Connected indicator

When you return from the secure bank-setup flow, Omnivoo shows a "Bank account connected successfully!" confirmation and the new account appears in the list.

Setting a Default Bank Account

If you have more than one bank account connected, click Set as Default directly on the account card for the one you want to use by default. The default account is pre-selected when you pay an invoice or fund payroll.

Disconnecting a Bank Account

Click Disconnect on the account card. Omnivoo asks "Are you sure you want to disconnect this bank account?" -- confirm to remove it from your company.

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Companies outside the US do not connect bank accounts. In the Payroll & Billing tab you will instead see a blue Bank Transfer Payments info box explaining that you'll see bank transfer details when paying invoices, with no bank account setup needed.