Funding your wallet

Hold a prepaid balance to pay contractors, and add money by bank transfer or ACH.

Companies that pay contractors have a prepaid funding wallet: a per-currency balance you top up ahead of time and draw down to pay contractors. EOR payroll never goes through the wallet, you pay it by bank transfer against its invoice.

The funding wallet is a different thing from the FX reconciliation ledger, an automatic accounting ledger you never top up, now shown on the Finance page. If you are looking for the exchange-rate ledger instead, see Your Wallet.

Where to Find It

The funding wallet appears as a card headed Omnivoo wallet on the Finance page, above the summary cards. To get there, open Finance in the left sidebar.

The deposit details and the ACH form live under Payment methods in Settings: avatar menu > Company settings > Payment methods.

The card, and Payment methods in Settings, only appear once you have added a contractor. A company that only employs people through EOR does not see them. If your wallet is not set up yet, the card reads “Your wallet isn’t set up yet. Finish payment account verification to pay contractors.” See Payment account verification.

Your Balances

When the wallet is set up, each currency you hold gets its own tile, labelled {currency} available (for example “USD available”):

• The figure is the amount you can spend right now.
• Underneath, a “{amount} processing” line appears when some funds are still settling and are not yet available.

Balances are never added together across currencies. If you have no balance yet, the card reads “No balance yet.”

How to Add Money

Under How to add money in Payment methods, Omnivoo lists the deposit routes available to you. Each route is one way to send funds in:

Route	What it is
ACH transfer	Domestic US bank transfer
Wire transfer	Bank wire
IBAN / SEPA	Euro-area transfer
Bank transfer	Local bank transfer
SWIFT transfer	International wire
Crypto deposit	On-chain deposit

Each route shows only the fields that apply to it. Depending on the route, you may see:

• Account name, Bank, Account number, Routing number, Account type
• SWIFT / BIC, Country, Address
• Network, Asset, and Memo (for a crypto deposit)

Send your deposit using exactly the details shown for the route you choose.

Fund by Bank (ACH)

You can also pull funds straight from a linked US bank account by ACH, without leaving Omnivoo.

1. Connect your bank account

   Under Linked bank accounts, click Connect bank account and then Continue. A secure, hosted bank-linking flow opens in a new browser tab.

2. Complete the linking flow

   Complete the linking flow in that tab, then switch back to Omnivoo. Your linked accounts refresh automatically when the Omnivoo tab regains focus.

3. Review your linked accounts

   Each linked account appears with a status badge and a Remove action. You can add more with Connect another bank account.

4. Fund the wallet

   Once an account is active, a Fund wallet row appears with an amount field in USD. Enter an amount greater than 0 and click Fund wallet to pull that amount into your wallet by ACH.

   Only an active linked account can fund the wallet, and the amount must be a number greater than 0. If you enter 0 or leave it blank, Omnivoo asks you to enter an amount greater than 0.

Before Your Wallet Is Set Up

Until verification is complete, the card reads “Your wallet isn’t set up yet. Finish payment account verification to pay contractors.” Once your payment account is verified, your balances and deposit instructions appear. See Payment account verification for that step.

Test Funds (Sandbox Only)

In Omnivoo’s non-production sandboxes, a provisioned wallet also shows an Add test funds button so teams can try the flow with play money. This button is not available in production.