how it works

ezPayments makes it easy to send and receive contractor and 1099 payments anywhere in the world. Built on secure AI-powered infrastructure, the platform supports global payouts, peer-to-peer transfers, and bill payments — all through one intelligent network. Join directly or by invitation from an individual or organization already on ezPayments.

Most businesses and individuals can get set up in minutes and begin getting paid or paying contractors the same day, subject to standard verification. 

You can sign up at https://app.ezpayments.co/accounts/signup/  

When you sign up, you’ll be automatically enrolled in our Free tier—giving you up to 10 free transfers per month, plus unlimited deposits, withdrawals, and payment links.   

Most paid tiers include a 14-day free trial, making it ideal for small businesses that process regular contractor payments.

If you are affiliated with an organization already on the ezPayments network, you may request an invitation directly from that organization, based on your relationship and their internal policies.

Unlike traditional payment processors that profit from holding your funds, ezPayments is designed to empower your business and give you full control of your cash flow. By removing unnecessary intermediaries, ezPayments delivers:

• A simple platform that lets you manage and control contractor payouts on your terms
   
• No extended waiting periods to pre-fund accounts — payouts are processed directly from your wallet linked to your existing business bank account for faster access to your funds.
   
• Instant or ACH settlements, with true same-day or next-day options (sometimes for a small, disclosed fee)
   
• Zero float interest charged—no one profits from holding your funds
   
• Lower transaction costs by moving volume directly through your own bank, not multiple intermediaries, and

• Fast, low-cost global payouts — save up to 50% on international payout fees, with FX transfers settling as fast as 1–4 business days (by corridor)

By cutting out the unnecessary layers, you regain control of your cash, reduce hidden float costs, and get your contractors paid faster.

Why it matters? 

• The Problem: Cash-Flow Impact — Holding your funds for several days creates a working-capital drag on your business.
   
• The Cost: Hidden Revenue — Instead of transparent, real-time settlement, you’re effectively lending money to the platform at their short-term interest rate—often without your knowledge.
  
  
• The Fix: ezPayments — direct payout control, faster payouts, transparent pricing and no float games

The ezPayments Startup Program supports startup founders, innovators, and small “mom-and-pop” businesses by providing curated payment solutions and early access to advanced payout features. Learn more to see if you qualify by visiting ezpayments.co/startup-program-grow. To apply, complete the Startup Program Application located on our website under Apply Now. Responses are typically provided within 24–48 hours.

ezPayments supports contractor payouts (1099), payroll disbursements, wallet-to-bank withdrawals (including optional automatic withdrawals), domestic payouts, and global payouts, subject to available payment rails and compliance requirements.

ezPayments supports both domestic contractors and foreign contractors.

Additionally you can use ezPayments to pay your contractors in bulk and automate the invoicing process that allows you to pay contractors effortlessly and on time with our global payouts services. 

No. ezPayments is designed specifically for paying 1099 contractors and does not support payments to W-2 employees or other worker types that require tax withholdings.

ezPayments does not withhold taxes or apply VAT to payments. Any applicable tax obligations must be handled outside the platform.

A contractor or freelancer is a self-employed professional who offers services to clients on a project-based or fixed-term basis. International contractors can be located anywhere in the world and are responsible for their own taxes and benefits.

Hiring domestic, foreign or international contractors offers flexibility and scalability to companies who want to expand globally as it allows them to quickly source, hire and onboard critical talent around the world.

No. ezPayments supports global businesses paying contractors internationally, subject to supported corridors and compliance.

Yes. ezPayments supports cross-border payouts to contractors and recipients in over 100+ supported countries and currencies, subject to local rails and compliance requirements.

ezPayments does not withhold taxes or apply VAT to payments. Any applicable tax obligations must be handled outside the platform.

Payouts are instant where supported by rails and banking partners, and ultra-fast everywhere else. Same-day payouts are available in supported regions.

Withdrawals are processed via ACH, wire transfer, or supported global payout rails, depending on your selected method and destination.

• ACH (U.S.): Typically 1–2 business days
   
• Wire transfers (U.S. & international): Same day or next business day, depending on bank cut-off times and recipient bank processing
   
• Global payouts: Timing varies by country and local banking rails; most supported corridors settle same day or within 1–4 business days

Additional notes:

• First-time withdrawals may take slightly longer due to standard banking verification and security checks.
   
• Withdrawals initiated before 4:00 PM ET are often processed the same business day (subject to bank cut-off times).
   
• Transfers initiated after 4:00 PM ET, on weekends, or on U.S. banking holidays will process on the next business day.
   
• Processing times may vary based on recipient bank policies, local holidays, and compliance checks.

If your transfer takes longer than expected, please contact our support team to check the transaction status. 

Yes - you can activate automatic withdrawals to trigger instant withdrawals when your wallet balance reaches $50. This is enabled and managed directly from your dashboard.

ezPayments uses transparent, pass-through pricing. Fees, if applicable, are disclosed upfront. FX rates and any network costs are shown before you confirm a payout. 

ezPayments supports contractor onboarding and 1099 reporting workflows. KYC/AML and other regulatory checks are applied where required by law and payment partners.

Most 1099-contractor payment platforms sit between your business bank account and your contractors’ accounts—essentially acting as a “middleman” for every transaction and they earn money each time you fund your payouts - typically the three-day float period. 

Here’s how the typical flow works and how they earn money from the three-day float:

1. Client Funding
   You initiate a payment (via ACH debit, credit card, or bank transfer) to the platform. Those funds land in the platform’s operating account—often a pooled account at a partner bank.
    
2. Hold Period (Float)
   Due to ACH and bank settlement rules (NACHA), incoming funds take 2–7 business days to clear. The platform doesn’t immediately push those dollars out to your contractors; instead, they stay in the platform’s account during that window.
    
3. Contractor Payout
   Once the funds clear, the platform issues an ACH credit to each contractor—another 2–7 business days for the money to appear in their bank accounts. That’s why most contractors wait up to three days or more for payment.
    
4. How Platforms Profit
    
   • Float Interest: While your money sits in the platform’s pooled account, the platform earns interest or invests it in short-term instruments. Even a fraction of a percent on large balances can translate to significant revenue.
      
   • Interchange & Processing Fees: If you fund via credit card, the platform pockets (or shares) a portion of the interchange fees charged by Visa/Mastercard.
      
   • Markup on Instant Payouts: Many platforms offer “instant” payouts for an extra fee (e.g., 1–2% of the payout amount), which they pocket.
      
   • Subscription or Per-Transaction Fees: Beyond the float, they charge you monthly fees or per-transaction fees that may be higher than pure bank costs.

No. ezPayments operates on a pass-through model. You initiate payouts directly from your own linked accounts or wallet—no platform float.

A payment link is a secure, shareable URL that allows you to request and receive payments instantly - without needing invoices, bank details, or complex integrations.

Instead of collecting account info or sending manual invoices, you simply:

• Generate a link 
• Share it via email
• Get paid directly into your account
   

To create a 'Payment Link' from your ezPayments dashboard:

1. Sign in to your ezPayments account.
    
2. Go to Payment Links → Create Payment Link.
    
3. Enter the Amount (USD) and description.
    
4. Enter the Customer Name and Customer Email.
   
5. Optional: enter Reference/Order/Invoice Number and Expiration Date of the Payment Link
   
6. Opt to Send email to customer and click Create Link
    

Once payment link is sent to your customer, they pay through a secured checkout via Stripe and funds are received instantly and available for withdrawl anytime.

With funds in your ezPayments wallet, you can pay contractors anywhere in the world, send payments to other users, and settle bills — all directly through the ezPayments network. Availability depends on all parties being on the platform and their applicable policies.

To make a standard ACH deposit (2-4 business days) from your primary bank to your ezPayments wallet:

1. Go to Transactions → Deposits.
    
2. Select the bank account you wish to deposit from.
    
3. Enter the deposit amount and click Process Deposit.

To make an instant Wire deposit (same day): 

1. From the Dashboard → Wallet Balance → Deposit → Wire Transfer.
2. Click on Add New Wire Deposit
3. Enter the deposit amount and target account you wish to deposit into
4. Review wire details and fees and Create Deposit
5. Follow the on-screen instructions and initiate the wire directly from your bank.
6. Must include the reference code in the wire memo
7. First-time wire deposits may take slightly longer (1-3 days) due to standard banking security and verification checks.   

If you haven’t set up your Payment Method yet:

• Go to Settings → Payment Method.
   
• Add either a bank card or bank account
   
• Follow the on-screen instructions to confirm your payment method.
   

Once added, you’ll be able to fund your wallet and begin processing payments within the ezPayments network.

To withdraw funds from your ezPayments wallet to your primary bank account:

1. Sign in to your ezPayments account.
    
2. Go to Transactions → Withdraw.
    
3. Select your registered primary bank account and enter the amount.
    
4. Click Withdraw and follow on-screen instructions.
    

If you haven’t set up a bank account yet:

• Go to Settings → Payout Accounts → Add New Account
   
• Follow the verification steps to confirm your bank details.
   

Once verified, you can withdraw funds anytime.

The complete fee schedule is available directly in the app under your ezPayments dashboard. Dashboard → Settings → Fee Rates.

At ezPayments, we take pride in operating a transparent, pass-through pricing model — meaning we don't profit from cash flow friction. Our goal is to provide a true payment platform that makes paying, receiving, and processing funds simple, fast, and cost-effective.

Most fees displayed in your dashboard are pass-through fees charged by external payment gateways (such as Stripe) or by your connected bank — ensuring full transparency with no hidden markups or added platform costs.

If your transaction hasn’t cleared after 2 business days, please contact our support team. We’ll review your transfer and provide an update as soon as possible.

You can reach ezPayments Support through the Help section on your dashboard or via email/chat on our website. Our team is available to assist with account setup, payments, or any other issues you may encounter.