Pay US Suppliers via ACH and Bank Transfer
We transfer dollars to American suppliers via ACH, Fedwire and bank SWIFT. A complete package of documents for reporting.
Payments in the USA
The dollar is the world's reserve currency. Payments in USD go through a reliable US banking system with strict compliance.
Corridor profile
Payments in the USA
- Currency
- USD (US dollar)
- Commission
- from 1.0%
- Speed
- 1–3 business days
- Minimum
- from $1,000
- Way
- ACH/Fedwire/SWIFT
- Banks
- 6 partner banks
ACH transfers for regular payments are 60–80% cheaper than SWIFT
Fedwire for Express Payments - Same Day Credit
Full compliance with OFAC and American compliance requirements
Payment to suppliers from Amazon, eBay, Walmart for parallel imports
Documents for tax and customs of the EAEU - invoice, contract, confirmation
How we process payments in the USA
ACH for standard transfers, Fedwire for express, SWIFT for international.
ACH
Автоматизированная клиринговая палата
1–3 business daysStandard transfer method in the USA. Cheaper than bank transfer. Suitable for regular payments and medium amounts.
Fedwire
Система ФРС
Same dayInstant transfer through the Federal Reserve System. For urgent payments and large amounts. Enrollment during business hours EST.
Bank Wire (SWIFT)
Межбанковский перевод
1–2 business daysClassic international transfer via SWIFT. For any amounts, with a full package of bank documents.
Payments in US dollars
You pay in a convenient currency - we send USD to the supplier’s account in an American bank.
EUR/KGS/RUB
OZTA
$ USD
The USD rate is fixed at the time of confirmation. The dollar is the most liquid currency, the spread is minimal.
Dollar stability
USD is the world's reserve currency with minimal volatility. Exchange rate risks when converting from KGS/RUB are insignificant.
Sanctions compliance
All dollar transactions go through American correspondent banks. We check every payment against OFAC lists.
Fixing the course
The rate is fixed instantly upon confirmation of the application. For amounts over $100,000, advance booking is possible.
Why payments in the US require attention
Strict compliance, sanctions checks and OFAC requirements are the main barriers.
American banks return payments at the slightest doubt about compliance
All USD transfers go through American banks - getting into the OFAC filter blocks the payment
SWIFT transfer from the CIS to the USA takes 3–5 days with intermediate banks
Intermediary banks charge $15–50 from each transfer on top of the commission
We prepare a full compliance package: invoice, product description, justification for the operation - payment goes through the first time
We check every transaction against OFAC, SDN and sectoral sanctions lists before sending
We use Fedwire for express payments - same day credit. ACH - 1-3 days
A single commission from 1.0% includes all bank expenses - no hidden intermediate fees
Typical payment scenarios in the USA
From paying Amazon suppliers to contract payments to American factories.
Contract payments
Payment to American manufacturers and distributors. SWIFT or Fedwire, a complete package of documents for customs.
Purchasing on Amazon and eBay
Payment for goods from American marketplaces for resale. Parallel import of brands from the USA.
Payment for services and subscriptions
Payment for American SaaS, licenses, equipment. From $1,000 per payment.
Shopping from the USA
Payment for goods from American stores - equipment, clothing, auto parts. No foreign currency account.
Cost of payments in the USA
Transparent commission. ACH is cheaper than SWIFT - we use it by default for standard transfers.
Starting
from 2.5%One-time payments. ACH, Fedwire or SWIFT.
Minimum $1,000- Popular
Business
from 1.5%Regular payments from $10,000/month. Priority processing, channel selection.
- Best bet
Corporate
from 1.0%Volumes from $50,000/month. Fedwire by default, custom terms.
The exact rate is fixed in the commercial proposal before work begins.
How is payment processed in the USA?
From application to enrollment - 4 steps.
- 01
Application and compliance
Send an invoice and details. We check the recipient according to OFAC and prepare a compliance package.
1–2 hours - 02
Payment to us
Transfer the amount to our account in EUR, KGS or RUB.
1 day - 03
Transfer to supplier
We send an ACH, Fedwire or SWIFT transfer to an American bank account.
1–3 days - 04
Documents
You receive confirmation of the transfer, an agency report and documents for customs.
1 day
US Payment Tips
How to speed up payments and reduce costs.
Saving
ACH is cheaper than SWIFT
For non-urgent payments, use ACH - it is 60-80% cheaper than SWIFT. Enrollment in 1-3 days instead of instantaneous.
Speed
Fedwire until 5:00 pm EST
Fedwire operates during business hours EST (until 5:00 pm New York City time). Applications after - are processed the next business day.
Compliance
Detailed purpose of payment
American banks check every transfer. The more detailed the purpose (invoice number, product description), the faster the verification process.
Volumes
Consolidate payments
One transfer of $50,000 is cheaper than five of $10,000. Combine payments to one supplier - reduce the commission.
Frequently Asked Questions
Answers to frequently asked questions about paying US suppliers through OZTA.
Payments to other countries
OZTA makes payments to 30+ countries. Choose a direction.