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Payouts

Get paid your way.

Eight ways to withdraw. 220+ countries and territories. One wallet.

Eight ways to take your money out

Bank transfer suits most people. The rest exist for the cases it does not cover. All eight are live, and you can switch between them whenever you like.

Bank Transfer

Live

A payout over your country's local clearing network. The money arrives in your local currency, in the account you already use.

Best for
Almost everyone. This is the default, and usually the cheapest.
Speed
Set per country and currency, quoted in business days. The exact arrival date is shown before you confirm.
Cost
The local rail cost passes through at cost, set per country and currency rather than as one global number. Some corridors carry no transfer fee at all. Because the payout runs on local rails, there is no international wire fee.
Coverage
Local rails reach 100+ countries. Across all methods, 187 onboard with standard verification and a further 34 with enhanced verification, for 221 countries and territories supported in total.
1 Add your local bank account once.
2 Pick Bank Transfer at withdrawal.
3 The money lands in your local currency.

What we need from you depends on your country. Some take four fields; others need considerably more. India, for example, needs your IFSC code. The form asks only for what your corridor actually requires.

ACH

Live

ACH is the United States domestic transfer network. It moves money between US bank accounts without touching the international wire system.

Best for
Contractors who hold a US bank account, wherever they live.
Speed
Set per country and currency, quoted in business days. The exact arrival date is shown before you confirm.
Cost
ACH is a low-cost domestic rail and the network cost passes through at cost.
Coverage
United States. The account must be a US account.
1 Add your US account and routing numbers.
2 Pick ACH at withdrawal.
3 The money lands in USD.

You do not need to be a US citizen or resident to use ACH. You need a US bank account. Plenty of non-US contractors hold one.

SWIFT

Live

An international wire routed through correspondent banks, sent in USD or EUR. It reaches almost anywhere, which is the reason to use it and the reason it costs more.

Best for
Countries without a supported local rail, and contractors who want USD or EUR in a domestic account.
Speed
Set per country and currency, quoted in business days. The exact arrival date is shown before you confirm.
Cost
The wire cost passes through at cost. Be aware that correspondent banks in the chain can deduct their own fees in transit, and your receiving bank may charge an inbound fee. Those are the banks' charges, not ours, and we cannot see them in advance.
Coverage
USD and EUR only, reaching 180+ countries.
1 Add your account with its SWIFT/BIC and IBAN.
2 Pick SWIFT at withdrawal.
3 The wire is sent in USD or EUR.

SWIFT is the honest fallback, not the cheap option. Where a local rail or a proxy route exists for your country, it will usually cost you less and land sooner.

Card

Live

A push payment to a card you already hold, rather than to a bank account. What it costs and how fast it lands depends on the card, so both are quoted to you before you confirm.

Best for
Speed, and anyone who would rather not add account numbers.
Speed
Depends on the card. The exact arrival date is shown before you confirm.
Cost
The card network cost passes through at cost. That cost depends on the card, so it is quoted per withdrawal rather than published as one figure.
Coverage
Depends on the card. Which cards are eligible is shown when you add one, along with the fee and arrival date for that card.
1 Add your debit card.
2 Pick Card at withdrawal.
3 The money lands on the card.

Like every method here, the exact fee and arrival date for your own withdrawal are shown before you confirm it.

Wallet

Live

A transfer straight from your Omnivoo wallet to another one. The money never leaves the platform, so there is no bank network in the middle and nothing to clear.

Best for
Teams and contractor networks who pay each other, and anyone splitting work with a collaborator who is also on Omnivoo.
Speed
Instant. Both sides are on the same ledger, so there is no clearing time.
Cost
Nothing underneath. There is no rail cost on an internal transfer, because no bank network is involved.
Coverage
Anywhere both sides hold an Omnivoo wallet. There is no country restriction, because no local rail is involved.
1 Pick Wallet at withdrawal.
2 Enter the recipient's Omnivoo account.
3 It lands in their wallet immediately.

This is a transfer between Omnivoo wallets, not a payout to an outside wallet service. To move money off the platform, use one of the other methods.

Mobile Money

Live

A payout to a mobile money account such as M-Pesa, MTN or GCash. The balance sits on your phone number rather than in a bank.

Best for
Contractors across Sub-Saharan Africa and the Philippines, including anyone without a bank account.
Speed
Set per country and currency, quoted in business days. The exact arrival date is shown before you confirm.
Cost
The mobile money operator's cost passes through at cost, set per country and operator.
Coverage
Sub-Saharan Africa via M-Pesa and MTN, and the Philippines via GCash.
1 Add your mobile money number.
2 Pick Mobile Money at withdrawal.
3 The money lands on your phone.

Crypto

Live

A payout in cryptocurrency to your own wallet address. You hold the asset directly; we do not custody it for you.

Best for
Contractors without reliable banking, and anyone in a country with an unstable local currency who wants to hold a dollar-pegged asset.
Speed
Settles on-chain, so it follows network conditions rather than banking hours.
Cost
The network fee passes through at cost. Network fees are set by the blockchain, not by us, and move with network conditions.
Coverage
BTC, USDC and ETH. USDT is not supported. Only the dollar-pegged option here is USDC.
1 Add your wallet address.
2 Pick your asset at withdrawal.
3 The transfer settles on-chain.

Straight talk: USDC is pegged to the US dollar and is designed to hold its value. BTC and ETH are not. Their value can fall as well as rise, and a payout taken in either is a decision to hold a volatile asset. Know what you are choosing. Sending to a wrong address is not reversible by anyone.

Proxy

Live

A payout to an identifier you already use, such as a Pix key in Brazil, instead of a full set of bank details. An email address, a phone number or a national ID is enough, and it settles over the country's instant payment rail.

Best for
Corridors where an instant local rail exists, such as Brazil, where it is usually both the fastest and the simplest option.
Speed
Runs on local instant payment rails, so it is typically the quickest route where it is supported.
Cost
The local rail cost passes through at cost. Instant rails are generally among the cheapest routes available.
Coverage
Selected corridors, led by Pix in Brazil. Where a proxy route exists for your country, we route over it automatically.
1 Add your Pix key or registered phone number.
2 Withdraw as normal.
3 It settles over the local instant rail.

Where it is available, this is usually the one to pick. Paying to an identifier skips the full set of bank details, and the money moves on the instant rail you already use day to day.

All eight, side by side

What each rail costs is set per country, currency and method. Timings sit in each method's section above.

Method Status Cost Coverage Best for
Bank Transfer Live Rail cost at cost 100+ countries, local rails Almost everyone. This is the default, and usually the cheapest.
ACH Live Rail cost at cost US accounts Contractors who hold a US bank account, wherever they live.
SWIFT Live Rail cost at cost 180+ countries, USD/EUR Countries without a supported local rail, and contractors who want USD or EUR in a domestic account.
Card Live Card network cost Varies by card Speed, and anyone who would rather not add account numbers.
Wallet Live No rail cost Omnivoo wallets Teams and contractor networks who pay each other, and anyone splitting work with a collaborator who is also on Omnivoo.
Mobile Money Live Rail cost at cost Africa, Philippines Contractors across Sub-Saharan Africa and the Philippines, including anyone without a bank account.
Crypto Live Network fee at cost BTC, USDC, ETH Contractors without reliable banking, and anyone in a country with an unstable local currency who wants to hold a dollar-pegged asset.
Proxy Live Rail cost at cost Brazil (Pix), selected corridors Corridors where an instant local rail exists, such as Brazil, where it is usually both the fastest and the simplest option.

How the money reaches you

1
Invoice approved

You submit, your client approves, and they fund it.

2
It lands in your wallet

Held in USD in your Omnivoo wallet, yours from that moment.

3
Withdraw, or hold

Take it out by any method, or leave it where it is.

Soon: earn on the balance you keep in your wallet. Coming August.

Questions contractors actually ask

Which countries can I get paid in?

It depends on the method. SWIFT reaches 180+ countries in USD and EUR, and local bank rails cover 100+ countries in local currency. Across all methods, 187 countries onboard with standard verification and a further 34 with enhanced verification, which means some extra identity checks during onboarding, for 221 supported in total. A small number are available on request and a few are not supported at all. Check your own country on the coverage page before you rely on it.

What does it cost to withdraw?

The bank or network cost for the method you choose passes through at cost, with no markup from us. That cost is set per corridor, so it varies by country, currency and method, and some corridors carry no transfer fee at all. Currency conversion uses a rate that is locked and shown to you before you confirm. Whatever the total comes to, you see the exact figure, the arrival estimate and the limits for your own withdrawal before you confirm it. Our own pricing is published on the pricing page.

How fast does each method land?

There is no single number, because delivery times are set per corridor, meaning per country, currency and method, and quoted in business days. Rather than publish an average that would be wrong for most people, we show you the estimated arrival date for your own withdrawal before you confirm it. As a rule of shape: proxy rails like Pix are instant, wallet transfers between Omnivoo accounts are immediate, local bank transfers take a day or two in most corridors, and SWIFT is the slowest because it passes through correspondent banks.

Do I need a bank account to get paid?

Not necessarily. Mobile money pays to a phone number rather than a bank account, and crypto pays to a wallet address you control. Both are live now and aimed at exactly this situation. In Brazil you can also be paid to a Pix key, which does not require you to enter account details even though the money does land in a bank.

Can I split one payout across several methods?

Yes. A balance does not have to leave by one route. Send part of it to your bank and the rest to a card, a wallet or crypto, and change the mix whenever you like. Each part is priced on its own method, so the fee and arrival date you see before confirming apply to that part.

Are all eight methods available now?

Yes. Bank transfer, ACH, SWIFT, proxy, card, wallet, mobile money and crypto are all live. Which ones you see at withdrawal depends on your country, since not every rail reaches every corridor, so check the coverage page for your own.

Can I be paid to a Pix key in Brazil?

Yes. Pick Proxy at withdrawal and give your Pix key instead of a full set of bank details. It settles over the same instant rail you already use day to day, so it is normally the fastest and simplest option in Brazil. Proxy covers selected corridors, so check the coverage page for your own country.

Do I need to be a US citizen to use ACH?

No. ACH is a US domestic payment network, so what it requires is a US bank account, not US citizenship or residence. Many contractors outside the US hold a US account and use ACH for that reason.

Who chooses the payout method, me or my client?

You do. Your client funds the invoice and approves it; the money then sits in your Omnivoo wallet in USD and how you take it out is entirely your decision. You can use a different method each time.

Ask your client to pay you through Omnivoo.

One link, and the contract, the invoice and the payout run in the same place, and you choose how the money reaches you.