You are a US resident who is employing a freelancer overseas for a small job (think a commission for a digital art piece). They have asked you to pay via ACH into their Wise USD account. How does this work?
I’m the freelancer outside the USA. While Wise suggests that such a payment is simple (“just supply them with your USD account’s ACH and account number, and they can pay you like anyone else inside the USA”), my friends in the USA cannot seem to find such an option in their online banking. Wire transfers exist but cost around $25 USD, which seems excessive for the amount of money being paid.
A local freelancer friend has told me they’ve used Wise without issue — they supplied the information Wise gave them to their clients and received the money just fine.
This is my client’s first time working with an overseas freelancer, and I don’t know what to tell them, since I’ve never lived in the USA or had a USA bank account.
Services like Venmo and Zelle are not available to me as someone who lives outside the USA. PayPal is my option of last resort, as everyone agrees their fees are egregious.
If you’ve made such a transfer, what has your experience been?