Payment methods
ACH, Wire, or Stablecoins: Choosing a Payment Method
Compare customer-initiated ACH, US domestic wire and stablecoin payments, including account eligibility, timing, payment instructions and merchant settlement.
The short answer
Choose from payment methods your account supports and your customer can use accurately. Ulasend's ACH flow is initiated by the customer and requires eligible individual receiving; domestic wire and stablecoin routes have their own instructions and timing. Verify the final invoice result before fulfillment.
Start with how the customer can actually pay
A business client paying from a US bank account and a customer holding stablecoins may prefer different ways to settle the same invoice. Begin with their available payment source, your account's enabled methods and the order's fulfillment deadline. Ulasend supports configured stablecoin routes and eligible customer-initiated USD ACH and US domestic wire payments. Availability is account-specific. Review supported payment methods.
Compare the full journey: the customer's sending cost, the instructions they can follow, the time you can allow for verification and the settlement your business will receive. A familiar payment method is useful only when both sides can complete the required steps.
ACH: for customers who want to initiate a bank transfer
Ulasend's ACH option is a customer-initiated transfer. The customer sends money using the checkout's bank instructions; Ulasend does not debit their bank account. This distinction matters when a client expects you to collect funds automatically. Nacha describes ACH credits and debits as different payment flows. Read Nacha's ACH overview.
ACH acceptance requires an eligible live account with your business's individual receiving wallet. Shared receiving wallets do not support ACH. Your own business and owner verification, receiving setup and account enablement must be complete as required; simply adding a payout wallet does not activate ACH. Confirm availability in your dashboard before offering it to a customer. See receiving and payout wallet requirements.
Domestic wire: for customers with an established wire process
A US domestic wire can fit a client whose finance team already uses bank wires, provided your Ulasend account is enabled for that method. Use the domestic wire instructions shown for the current invoice. An international SWIFT transfer is not a substitute for those instructions. Check bank checkout requirements.
Ask the customer to confirm their bank's fees and sending cutoff before committing to a delivery deadline. Wire systems have operating schedules and cutoff times; submitting a wire request is not a guarantee that your Ulasend order will immediately show paid. See Federal Reserve wire-service operating hours.
Stablecoins: for customers ready to use a supported wallet route
Stablecoin checkout can suit a customer who already holds a supported currency on a network your business accepts. Confirm that combination before issuing the invoice. The customer then follows the exact currency, network, address, amount and any memo shown at checkout. An existing invoice cannot switch its payment source. Read the source-selection guide.
For a hypothetical consulting invoice, a client with USDC on a supported network may prefer paying from that balance. Another client may prefer their company's ACH process. Offer the eligible choice each can complete accurately instead of asking either client to navigate an unfamiliar route under time pressure.
Use one fulfillment standard across all three choices
Bank customers must send the exact amount in one transfer, include the required reference, pay sending fees separately and follow the checkout's send-by deadline. If their bank cannot include the reference, they should contact you before sending. Bank processing can take several business days; a bank confirmation or Processing message is not a completed order. Read the bank payment instructions.
Ulasend records settlement from these supported routes in USDC on Base. Accepting a customer's bank transfer does not itself mean proceeds are paid out to your bank. Bank payouts have separate verification and availability requirements. Confirm the current invoice result and recorded amount before fulfillment, and check any later return or review when resolving a bank-funded order. Review wallet setup and verification.