PAY BY TRANSFER USA

Clauda USD Pay by Transfer: Simplifying Payments with Direct Bank Transfers to Your US Account

In today’s fast-paced digital economy, businesses and developers need payment solutions that are fast, reliable, and cost-effective. At Clauda, our mission is to build payment infrastructure that empowers modern businesses to scale globally without the headaches traditionally associated with cross-border payments.

Today, we’re excited to announce a powerful new feature: Clauda USD Pay by Transfer — a seamless way for merchants to accept USD payments via ACH and wire transfer, with funds settling directly into your US bank account.

Why Bank Transfers Matter in the Modern Payment Landscape

For many merchants, credit and debit card payments are the go-to payment methods — but they come with challenges that impact your bottom line and operational efficiency:

  • High transaction fees: Card processing fees, often between 2%–3% per transaction, can eat deeply into your margins.
  • Chargebacks and disputes: Card payments are vulnerable to chargebacks, which can be costly and time-consuming to resolve.
  • Delayed fund settlements: Card payments can take multiple days to settle in your bank account, disrupting cash flow.

Bank transfers (ACH and wire) offer a reliable alternative with lower costs and fewer disputes, but until now, they’ve been difficult to integrate into online checkout experiences — especially for global businesses.

Introducing Clauda USD Pay by Transfer

Clauda USD Pay by Transfer allows your customers to pay you directly from their bank accounts via ACH or wire transfer at checkout. The funds go directly to your US bank account, simplifying reconciliation and boosting your cash flow.

Here’s how it works:

At checkout, customers select Pay by Bank Transfer (ACH or Wire).

  • They provide bank details securely or use integrated bank payment options.

 

  • Payments are processed securely in compliance with US banking standards.

 

  • Funds settle directly into your designated US bank account — fast and reliably.

 

  • You get real-time payment confirmation through Clauda’s API and dashboard, enabling seamless order fulfillment.

 

  • This solution removes layers of complexity for both merchants and customers, offering a smooth, secure payment experience.

Benefits for Merchants Using Clauda USD Pay by Transfer

1. Lower Processing Fees = Higher Margins

ACH payments typically cost only a fraction of what card networks charge. By accepting bank transfers, merchants keep a larger share of their revenue, which is critical for growing businesses and startups focused on profitability.

2. Predictable, Faster Settlements

Unlike card payments that can take several days to settle, ACH and wire transfers on Clauda settle quickly and predictably into your US bank account. This improved cash flow helps you manage expenses, payroll, and reinvestment more effectively.

3. Reduced Risk of Chargebacks and Disputes

Chargebacks are a major pain point in card payments. With bank transfers, the risk of disputes is significantly reduced, saving merchants time, legal hassle, and lost revenue.

4. Developer-Friendly Integration

Clauda’s API-first approach means your developers can add bank transfer payments to your existing checkout flows with minimal effort. Our detailed documentation, SDKs, and webhook support accelerate integration — so you can start collecting payments faster.

5. Enhanced Security and Compliance

Clauda handles the complexities of regulatory compliance and security, including adherence to NACHA rules for ACH transfers and all applicable wire transfer regulations. Your customers’ banking information is protected with bank-grade encryption and industry-standard safeguards.

Who Can Benefit from Clauda USD Pay by Transfer?

Whether you run an e-commerce store, SaaS platform, marketplace, or subscription service targeting US customers, Clauda USD Pay by Transfer can help you optimize your payment processing.

 

  • E-commerce merchants looking to reduce payment fees and provide flexible payment options.

 

  • SaaS businesses that want predictable, recurring USD payments with minimal friction.

 

  • Marketplaces and platforms needing reliable settlement directly into US accounts.

 

  • Startups and global businesses that want a US bank-friendly payment solution without complex banking setups.

Getting Started with Clauda USD Pay by Transfer

 

Enabling this feature is straightforward:

 

  • Login to your Clauda dashboard and add or confirm your US bank account for settlements.

 

  • Update your checkout integration to include the Pay by Bank Transfer option — our API docs make this simple.

 

  • Test your integration in our sandbox environment before going live.

 

  • Once live, monitor transactions and settlements in real-time with our dashboard.

 

If you’re new to Clauda, our team is ready to walk you through setup and provide personalized onboarding to get you collecting USD bank transfers quickly.