Payments in the USA without restrictions

Pay US suppliers via ACH, Wire Transfer, Zelle, Venmo, PayPal. We work with the largest US banks. Commission from 0.86%.

  • 100% legal
  • Without foreign currency account
  • ACH, Wire Transfer, Zelle, Venmo, PayPal
  • Payment within 1-3 days

Payments in the USA

Payment for goods by agent

USA

Payment systems

5 systems

ACH

Wire

Zelle

Venmo

PayPal

What's included

Convert to USD

All commissions included

Full package of documents

Commission

from 0.86%

Term

1-3 days

Solving payment problems in the USA

We understand the specifics of working with American suppliers and offer working solutions

Typical problems

  • The bank refuses to transfer in dollars (USD) due to restrictions
  • No access to American payment systems (ACH, Zelle, Venmo)
  • High fees for transfers to the USA (3-7%)
  • Difficulties with paying for SaaS services, advertising, licenses without an American account
  • Long terms for transfers via SWIFT (5-10 days)
  • Exchange control issues when dealing with the US

OZTA Solutions

  • We work as an agent - we transfer on our behalf in dollars (USD)
  • Commission from 0.86% - 2-5 times lower than bank fees
  • Support ACH, Wire Transfer, Zelle, Venmo, PayPal for fast transfers
  • Direct payment for SaaS services, advertising, licenses without a US account
  • Transfers in 1-3 days instead of 5-10 days through a bank
  • We take over currency control and document management

How does this work

Simple payment process to American suppliers in 5 steps

1

Bid

Leave a request on the website or write to the manager. Specify the amount, recipient, purpose of payment.

2

Calculation

The manager calculates the cost (commission + dollar exchange rate). We fix the rate at the time of application.

3

Payment to us

Transfer rubles to our account. Sign an agency agreement (can be done electronically).

4

Transfer to USA

We convert rubles to dollars and transfer to the supplier via ACH, Wire Transfer, Zelle, Venmo or PayPal.

5

Documents

You receive a full package of documents: agreement, act, invoice, payment order.

All operations are completely legal. We work under an agency agreement with a full package of documents for accounting.

Support for local payment systems

We work with American payment systems for fast and convenient transfers

ACH

Automated Clearing House

US national electronic transfer system, used for B2B payments and regular transfers

  • Low commissions for corporate clients
  • Fast transfers (1-2 business days)
  • Widely used for recurring payments
  • Suitable for large amounts

Wire Transfer

Wire Transfer

International transfers via SWIFT, securely for large amounts and one-time payments

  • International transfers in dollars (USD)
  • Reliable for large amounts
  • Duration: 1-3 days
  • Suitable for one-time large payments

Zelle

Zelle

Instant transfers between US banks, popular among US providers

  • Instant transfers (a few minutes)
  • Popular among American suppliers
  • Fast transfers without delays
  • Convenient for small payments

Venmo

Venmo

Mobile payment system, popular among freelancers and small businesses

  • Payments via mobile application
  • Popular among freelancers
  • Fast transfers (up to several minutes)
  • Convenient for small amounts

PayPal

PayPal

The largest payment system in the USA, accepted everywhere, suitable for e-commerce and SaaS

  • The largest payment system in the USA
  • Accepted everywhere (Amazon, eBay, SaaS)
  • Buyer Protection
  • Suitable for e-commerce and SaaS

Benefits of working with local systems

Faster than SWIFT - transfers in 1-3 days instead of 5-10 days

Lower commissions - local systems are cheaper than international ones

More convenient for suppliers - they receive money to their usual accounts

Fewer restrictions - local systems operate without sanctions restrictions

We work with the largest US banks

Partnership with the top 5 banks in each region for reliable and fast transfers

Northeast (New York, Boston, Philadelphia)

US financial center, including New York, Boston, Philadelphia

JPMorgan Chase

JPMorgan Chase

The largest US bank by assets, serving corporate clients throughout the country

Bank of America

Bank of America

The second largest US bank, specializes in corporate services and international transfers

Citibank

Citibank

Large international bank, leader in international transfers and foreign exchange transactions

Wells Fargo

Wells Fargo

Third largest US bank, strong position in corporate services

PNC Bank

PNC Bank

Large regional bank specializing in corporate services and trade finance

West Coast (California, Washington, Oregon)

US technology center including California, Washington, Oregon

Bank of America

Bank of America

Leading bank on the West Coast, strong presence in California, specializing in corporate clients

Wells Fargo

Wells Fargo

Large bank, innovative business solutions, strong digital platform

JPMorgan Chase

JPMorgan Chase

National bank with a strong West Coast position, corporate services

U.S. Bank

U.S. Bank

Regional bank with a strong position in California, fast transfers for business

First Republic Bank

First Republic Bank

Bank from a US technology center, specializing in innovative companies

Midwest (Chicago, Detroit, Minneapolis)

Industrial center of the USA, including Chicago, Detroit, Minneapolis

JPMorgan Chase

JPMorgan Chase

Large regional bank with strong presence in Chicago and the Midwest

Bank of America

Bank of America

Urban Bank of the Midwest, specializes in serving local businesses

U.S. Bank

U.S. Bank

National bank with a strong position in the Midwest, corporate services

PNC Bank

PNC Bank

Large bank, specializing in corporate finance and international trade

Fifth Third Bank

Fifth Third Bank

State Bank, Strong Midwestern Position, Export-Import Services

South (Texas, Florida, Georgia)

Economic center of the South, including Texas, Florida, Georgia

Bank of America

Bank of America

City Bank of the South, serving local businesses and government contracts

JPMorgan Chase

JPMorgan Chase

Large regional bank, strong ties to state-owned enterprises

Wells Fargo

Wells Fargo

Bank of the Wells Fargo group, specializing in corporate services and international trade

BB&T (Truist)

BB&T (Truist)

National bank with a strong position in the South, services for large businesses

Regions Bank

Regions Bank

Regional bank, specializing in serving southern businesses

Southwest (Arizona, Nevada, Colorado)

High growth region including Arizona, Nevada, Colorado

Bank of America

Bank of America

Large bank with a strong position in the South-West, serving local businesses

Wells Fargo

Wells Fargo

Regional bank, strong position in Arizona and Nevada, fast transfers for business

JPMorgan Chase

JPMorgan Chase

National bank with a strong position in the South-West, corporate services

U.S. Bank

U.S. Bank

Large bank, specializing in corporate finance and international trade

Zions Bank

Zions Bank

Regional bank, specializing in serving southwestern businesses

Tariffs and commissions

Transparent pricing for US payments with no hidden fees

Up to $10,000

4%

from $50

1-2 days
Popular

$10,000 - $50,000

2%

from $150

1-3 days

$50,000+

from 0.86%

individually

2-3 days

What is included in the commission

  • Convert rubles to dollars (USD) at a favorable rate
  • All bank fees and expenses
  • Payment via ACH, Wire Transfer, Zelle, Venmo or PayPal
  • Preparation of a full package of documents for accounting
  • Personal manager and support 24/7

Important to know

  • The dollar (USD) exchange rate is fixed at the time of application
  • No hidden fees from banks and payment systems
  • For regular customers - individual conditions with discounts

Who is it suitable for?

Solutions for different types of businesses operating in the USA

SaaS companies

Problem:

You need to pay for cloud services (AWS, Google Cloud, Azure), software licenses, advertising in Google Ads, Facebook Ads. Banks refuse or require complex documents.

OZTA solution:

Payment for digital services via ACH and PayPal. We work with AWS, Google Cloud, Microsoft Azure, Stripe, Shopify. A complete package of documents for accounting.

Banks and fintech

Problem:

Partnerships with American payment systems, integrations with Stripe, PayPal, Square. We need legal translations that fully comply with the requirements.

OZTA solution:

We work with the largest US banks. We ensure full compliance with AML/KYC requirements. Transparent reporting for regulators.

E-commerce

Problem:

Payment for goods on Amazon, eBay, Walmart. You need access to American payment systems without opening an account in the USA.

OZTA solution:

Direct payment to marketplaces via PayPal and ACH. We work with Amazon, eBay, Walmart, Etsy. Without an American account with the client.

Importers of goods

Problem:

Payment of invoices to American suppliers. High bank commissions (3-7%), long transfer times (5-10 days).

OZTA solution:

Commission from 0.86% instead of 3-7%. Transfers in 1-3 days instead of 5-10. We work with the top 5 banks in every region of the United States.

Why do they trust us?

Legality, transparency and reliability are the basis of our work

All necessary licenses

We work with the USA with all necessary licenses and permits. Full compliance with regulatory requirements.

Full package of documents

We provide a full set of documents for accounting: agreement, act, invoice, payment order.

Compliance

Full compliance with AML/KYC requirements. Transparent reporting for regulators. We work only with trusted partners.

AML/KYC

Strict adherence to customer identification and anti-money laundering procedures. Transparent reporting.

Learn more about our compliance procedures: AML/KYC policy · Sanctions policy

Frequently Asked Questions

Answers to popular questions about payments in the USA

The US has a developed financial ecosystem with local payment systems (ACH, Zelle, Venmo, PayPal) that are not always available through regular banks. Many suppliers work only with American systems. There are also features of currency control and document flow. We specialize in working with the USA and know all the intricacies.
We work with five main systems: 1) ACH - for regular B2B payments, low commissions, term 1-2 days. 2) Wire Transfer - for international transfers via SWIFT, securely for large amounts. 3) Zelle - instant transfers between US banks. 4) Venmo is a mobile payment system for freelancers. 5) PayPal is the largest system, accepted everywhere. The choice of system depends on the recipient and the amount of payment. Our manager will advise you on the best option.
Yes, we can pay for digital services in the USA: cloud services (AWS, Google Cloud, Microsoft Azure), advertising in Google Ads and Facebook Ads, software licenses, subscriptions to services. We work via ACH and PayPal for fast transfers. We provide a full package of documents for accounting, including invoices from American providers.
Transfers are made in American dollars (USD). The rate is fixed at the time of submitting the application and agreeing on the terms with the manager. Once fixed, the rate does not change, even if the market rate changes. We use the rate of the Central Bank of the Russian Federation + our margin (usually 0.5-1%), which is 1-2% more profitable than the bank rate. The fixed rate is indicated in the contract.
We work with the top 5 banks in each US region: Northeast (JPMorgan Chase, Bank of America, Citibank), West Coast (Bank of America, Wells Fargo, JPMorgan Chase), Midwest (JPMorgan Chase, Bank of America, U.S. Bank), South (Bank of America, JPMorgan Chase, Wells Fargo), Southwest (Bank of America, Wells Fargo, JPMorgan Chase). This is important because different banks have different transfer processing speeds, different fees, and different availability in different regions. We choose the optimal bank for each specific case.
The standard transfer time to the USA is 1-3 business days from the moment the funds arrive in our account. It's faster than through a regular bank (5-10 days via SWIFT). For urgent translations, we offer an express service (for an additional fee of 0.5%) - translation within a few hours. You can track your status in your personal account in real time.
You will receive a complete set of documents: 1) Agency agreement for the provision of services for transferring funds to the USA. 2) Certificate of work performed with details of the operation. 3) Invoice for agent services. 4) Payment order confirming the transfer of funds to the supplier. 5) Certificate of the dollar exchange rate (USD) on the date of the transaction. All documents have legal force and are accepted by the tax authorities.
The minimum transfer amount is $500 (or the equivalent in dollars). There are no maximum limits - we work with transfers of any size, from several thousand to millions of dollars. For transfers over $100,000 we provide a personal manager and individual conditions. The number of translations is not limited.
Safety is our top priority. We have been operating since 2018 and have completed more than 10,000 transfers in the US amounting to over $100 million without a single loss of funds. All client funds are kept in separate accounts in reliable banks. Every operation is insured. The company has all the necessary licenses and is regularly audited. We work only under a contract with a full package of documents.

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