You can easily register your payment methods on our platform by following this guide. Once completed, your payroll will be ready to go!

Select a payment method ⚙️

✔️ Step 1: Select the option "Payment Setup" from the "Payments" dropdown menu.

✔️ Step 2: Choose the payment method you prefer among the options displayed on-screen.

✔️ Step 3: Finally, you will be able to visualize all the payment methods that have been set up in the "Saved payment methods" section.

You can also choose one of the saved methods as your default payment method by clicking on the "Set as default method" button, or delete one by selecting the trash can icon located on the right side of each saved method.

❗ Keep in mind that, when setting up your payment method, regardless of the one selected, the platform will let you know if it has been verified or if you will need to repeat this process.

Available Payment Methods 💰

Credit Card

You will need to fill in the following information:

Card Number.
Expiration Date.
The card verification value code (CVV) is usually located at the back of the card.
Cardholder Name.
Country
Zip Code

Once you have finished filling in the information and click on "Save Card", an additional form will be displayed to authenticate your payment method. Here, you must enter the 6-digit code that has been sent by text message to the phone number registered with your bank.

➕ Extra fee: It might imply a fee of 3-4% of the total amount charged by the credit card payments provider.

➕ Estimated time: The transaction is processed in 10 minutes approximately.

ACH Transfer

✔️ Step 1: Once you have selected ACH, this will trigger the following views. Here you have to choose a bank (go to step 2) from the list, or choose to Link with account numbers (go to step 4).

✔️ Step 2: If you picked a bank, you can input credentials to proceed.

❗ Note that some banks might require additional two-factor authentication (2FA). This is not sent by Ontop. It's a method set up in your bank account.

✔️ Step 3: Then, you will see a list of accounts associated with those bank credentials. You can only select one to proceed. If all goes well, you will see a success message and the account will be added. In some situations, you might also need to confirm the accounting and routing numbers.

If all goes well, you should see a confirmation message both in Plaid and in the Ontop platform.

✔️ Step 4: If instead of using bank credentials, you decide to link with account numbers, you will see some instructions and will have to inform routing numbers and account numbers (the account number will need to be input twice).

✔️ Step 5: You will choose the account type, and inform a name that matches the one associated with that account.

✔️ Step 6: You will have to select the correct account type, and authorize a 0.01 USD deposit to be made to the account. A deposit will be made within one business day, and that deposit will have a three-letter code.

✔️ Step 7: Depending on the level of connection Plaid has with that bank, the verification might happen automatically or not.

If it's automatic, there will be no button visible.
If it's manual, there will be a button to “Verify payment method”. Clicking on that button will trigger the Plaid views, where you will need to input the three-letter code.

When hovering the mouse over the Pending status, a tooltip will also give detailed information about the process. The account will expire and disappear from the platform if it's not verified within one week.

⚠️ Things to consider regarding the ACH payment method:

Bank Statement
If you want to have 3 or more simultaneous ACH accounts added, you will need to provide a certified bank statement and wait for approval.
Conditions:
- It must be dated within the last 90 days
- It must be signed or stamped by the bank.
- It must show the bank name and logo.
- It must display the address, bank account number & primary account holder’s name.
Identity Check
When adding an ACH payment method with Plaid, our system will also receive information regarding the account ownership.
If the name of the account holder(s) does not match any of the names we collected on the KYB, the payment method will be put under manual review and require verification by our Compliance team, and it will appear as below while it awaits approval.
Balance Check
When you try to execute a payment utilizing an ACH account validated with Plaid, we will perform a check to see if this account has enough available funds to make the payment. If not, we will not create the transaction to avoid overdrafts and additional bank fees.
You will see this message in case you don't have enough available funds.

➕ Extra fee: No extra fees are charged.

➕ Estimated time: It can take from 3 to 5 business days for the transaction to be processed.

Wire Transfer

In this case, no extra information is required. However, it is very important to upload the proof of payment or receipt to avoid delays with your contractors’ payment arrival.

You can visualize and download the wire information you will need for this transaction by clicking on "Get Wire information".

➕ Extra fee: It might imply an additional fee charged by your bank or any intermediary banks.

➕ Estimated time: It can take from 1 to 3 business days for the transaction to be processed.

Crypto Payments

For crypto payments, you'll need to request a payment link through our support channels, and the following will be required:

Email address of the person that will make the payment.
The country where the payment comes from.
The invoice(s) you'll like to pay will have to be approved in advance from the platform, and the payment method selected must be "Wire", in order to be able to upload the proof of payment once the payment process has been finished through the link we will provide.

The following are the payment instructions that must be followed, when the payment link has been received via email:

➕ Extra fee: 0.5% + USD 10 through any network and exchange option, and 0.65% through Binance Pay.

➕ Estimated time: The transaction is processed immediately, but you must reach out to us as soon as the receipt has been uploaded for our Finance team to approve it.

Congratulations, you have made it! 🚀

If you have further questions, feel free to contact our support team via chat 😊