Kartikye Mittal

Your contractor payments and vendor invoices already run through the ACH payment system, whether you actively think about it or not. That Automated Clearing House infrastructure handled $93 trillion across 35.2 billion transactions last year. Once you see how the batching works and what drives those one-to-three-day processing times,

Every pay period, you authorize another round of payments via ACH to employees, and every month you pull funds from customer accounts for subscriptions. You know the routing numbers and account types matter, but the mechanics between initiation and settlement remain a black box. This guide opens that box so

Your Indian contractors want to receive payments through their UPI account and you're not sure what that involves. The unified payments interface is the real-time payment network that's become the default way people and businesses transfer money in India, processing nearly 100 million transactions every single

Your bank says ACH payment processing time takes one to three business days, but you've seen transfers post faster and slower with no clear pattern. The truth is timing depends on batch cutoffs, banking holidays, and whether you opt for same-day processing. We'll break down the

Your finance team processes bulk payments every month, but settlement still takes days and currency conversion fees eat into your margin. You need mass payout solutions that handle instant transfers, route funds across 100+ countries, and surface real FX rates without burying spreads in the fine print. The mass payment

If you're still logging into bank portals to pay contractors one by one, you're burning hours every week. A payout API provider gives you a programmatic way to push funds to any payee with a few API calls. We ranked seven providers on the metrics that

Your finance team wants to move away from paper checks, but you're not sure if pay by ACH transfer will work for your specific needs. ACH handles everything from payroll to vendor payments to subscription billing, processing billions of transactions every quarter. The catch is understanding when funds

You just got an email asking for your routing number and account number to complete an eCheck payment, and you're not sure if it's legit. Electronic checks are real: they're digital transactions that work exactly like paper checks, pulling funds through the ACH network

You approve a $10,000 payout to a remote developer in Poland, and your bank quotes a five-day settlement window with vague fee disclosures. By the time the funds clear, your contractor has already messaged twice asking for an update. How cross border money transfer works is still a multi-bank

Payment processors send you a 1099-K when your transactions cross certain dollar amounts, but the form shows gross receipts before expenses, refunds, or fees. If you made $25,000 through Stripe but spent $18,000 on supplies and processing costs, you don't owe taxes on the full amount.

You print net 30 on every invoice because your competitors do the same thing. But here's what nobody mentions: you're fronting all materials, labor, and overhead for a full month while your client holds onto their cash. That's fine if you have deep reserves,

Everyone moving money between U.S. banks relies on the ACH network, but few finance teams understand how to make an ACH payment in batch or why the system groups transfers instead of settling instantly. You'll learn the exact initiation-to-posting workflow, see how credits differ from debits on

If you've ever wondered why your loan disbursement took three days when your Venmo transfers happen instantly, you're asking the right question. Disbursements follow a verification-heavy process that's completely different from the peer-to-peer payments you're used to, and understanding that difference matters

The IRS just hit you with mandatory 24 percent deductions on all your contractor payments because of what is backup withholding compliance failures. Your finance team is drowning in W-9 forms trying to figure out which Taxpayer Identification Numbers are wrong, and every day you delay costs your payees hundreds

You've closed the initial negotiation, but your buyer needs formal numbers to get internal approvals and arrange payment. That's where a proforma invoice comes in as your preliminary agreement tool. We'll show you exactly what information to include, when to send it during your

Everyone tells you to collect a W-9 before paying contractors, but nobody explains what happens if you skip it. When you're working out how to pay independent contractors online, missing paperwork creates backup withholding headaches and potential fines that exceed the original payment amount. We'll show

You need to send your W-9 to a new client today, but you're stuck on whether to check the LLC box or the Individual box. Your single-member LLC sits in a weird tax category where the IRS ignores your business structure for income reporting. That means the form

Contractors make up 36% of the U.S. workforce right now, so chances are you're paying at least a few. The problem? Handling payroll for 1099 employees isn't as simple as cutting a check. You need signed W-9s, you're tracking payment totals against that

Your current setup for expert network payments probably involves multiple platforms, manual tax workflows, and angry emails from consultants waiting days for their transfers. The right payment system should handle thousands of global payouts instantly while automating the compliance work that's currently crushing your team. We tested the