Global Payment Methods: 4 Popular Types of ePayment

Whether you’re an online marketplace looking pay your sub-merchants, or you’re trying to pick the easiest way to get paid yourself, finding the right global epayment method can make your life simpler. With at least ten options to choose from that are offered on most enterprise-class payout platforms, the choice can be daunting. Here is a list of the most popular methods and their benefits that will help you make the right choice:

US Domestic ACH

ACH, or Automated Clearing House, is a network that handles large batches of debit and credit transactions, at once, electronically. Thanks to its ability to handle many payments at once from a variety of sources, most big commercial businesses and government agencies use ACH. More small business owners than ever are using this method to help employees and suppliers get their money fast and with minimal hassles. If your business necessitates payments to many suppliers, ACH is the right choice for you. If you read about epayments or echecks, it’s likely a reference to ACH payments.

Global ACH or International ACH

The same benefits that were until recently only available to domestic payees, are now offered as a fast and efficient payout solution for suppliers, affiliates, publishers, and developers, all over the world. Global ACH, or International ACH, provides electronic funds transfer capabilities to dozens of countries, while payment are made in the local currency of the payee. Global ACH payments are sometimes called local bank transfers or direct to local bank transfers.


PayPal is fast, secure and easy to use. Sometimes called an ewallet, PayPal is used for epayments both domestic and internationally. It works by allowing users to register on the website with their personal email address and bank information. Once registered, users only have to provide payees with an email address to receive their money. This keeps bank information private, and users can choose whether they want to transfer the money to a bank account, or keep it for credit on online merchants such as Amazon. For mass payments, payers can receive and send invoices directly through the website. This option is best for business owners who work with many employees and freelancers and have customers who are concerned about giving out sensitive financial information.

Wire Transfer

Wire transfers involve sending money directly from one bank account to another. This is the simplest global payment method, because it requires no middleman to handle the transfer, and the fastest method, as funds are received by the payee on the same day, or within 1-2 business days. Wire transfers work best for businesses that make many payments per month, to many countries. Wire transfers are secure, fast, available in every country in the world, and are a must for every business. Local regulations in each country require wire transfers to include many informational elements. Therefore, a professional mass-payout provider can best serve the needs of the payer wanting to use wire transfers.

Payment Method Options are Good for Business

Whether you run a small affiliate network, or a buzzing online advertising network, being able to offer your publisher and affiliates many global payment methods, is a significant competitive advantage. Your global payees will love the ability to receive their money on time, in their local currency, and in their preferred payment method. Managing these payments manually can be a headache for any business owner, but finding the right payout platform makes the job easier.

Offering payment methods that range from PayPal to global ACH, or eCheck, to wire transfers, allows your suppliers to choose the option that best suits their needs. Offering a wealth of cross-border payment methods tell payees that you are making their comfort and security a priority. Using a simple platform that allows you to make payments worldwide, in local currency, ensures your payments will always be made on time.

It’s not only the payees who gain benefits from a wider range of mass-payment methods. Business owners save time and money. There is no need to keep track of which payment method the user chose, as the system tracks this automatically. Making thousands of weekly or monthly payments is just as easy as making one or two payments. Mass payment platforms such as Tipalti allow for thousands of payment to be made in minutes while keeping the Payer in full tax and regulatory compliance by collecting the necessary tax forms (W-9, W-8) from payees and scanning each payment against the OFAC database to avoid paying black-listed entities.


Supporting multiple international payment methods might seem complicated, but handling mass payments with one platform will keep your business secure, up-to-date and payee-friendly.

Read Our Wire Transfer Guide

Why Payment Method Consolidation May not be the best idea

When you decide to invest in a payout platform for your suppliers, you have the opportunity to decide whether you’ll limit your pay-out options to the most basic (e.g. PayPal or check), or offer a wide range of payment methods. While most epayment methods are supported by quality global payables platforms, some business owners decide to use only one payment method. This is done mainly to simplify operations in the accounts payable department and reduce workload.

This might seem like a simple way to save time tracking payments online, but one major problem with forcing your suppliers to use one payment method, especially when making cross-border payments, is that some suppliers might not be happy with the method you choose. Thus you risk losing or alienating these suppliers when you consolidate your payments.

The best way to negotiate a change to your payout system is to ask your suppliers what they think of the idea before you do it; this way you will find issues before they happen. If one or more of your suppliers does not want to change methods, and you do not want to risk their dissatisfaction with the new system, you can keep more than one method, easily, with one payout system.