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Which USD payment method is best?

For transfers from the US, there are several of ways to send us money. Rather like the US banking system in general, it can be a bit confusing as to which is best for you. Below is a summary of the currently available payment methods and what they're best suited for. 

 
Bank Debit (ACH) Domestic Wire Debit/Credit Card (Licensed stated only) Apple Pay SWIFT
No additional banking cost Additional banking cost Debit card: No fee, Credit card: 2% fee Same fees as cards - debit, no fee; credit, 2% fee Significant additional banking cost
Available from most banks Available from most banks Available from most banks Available from any Apple Pay enabled device Available from most banks
Only for payments up to $10,000 Available for larger payments up to $50,000*  Daily Limit (per 24hrs): $1000, Weekly Limit: $4000 Daily Limit: $1000, Weekly Limit: $4000 Available for larger payments up to $49,999*
Is generally fast, but in some cases can take a little time Typically, slightly faster than ACH Instant Completed within 30 minutes Slowest method in most cases
Not available for payments from outside the US Not available for payments from outside the US Not available for payments from outside the US Not available for payments from outside the US Available for payments from outside the US


*If you are resident in one of the states in the U.S. in which we're licensed, you can read about the maximum amounts per transfer here. The wire limit is $250,000 for businesses.

 

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