Make same-day international payments with Local Transfer

Local Transfer delivers international payments to your vendors and contractors faster than wire—typically within 24 hours!
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Why choose Local Transfer

You can choose Local Transfer for any eligible international payment, as long as the country is supported. While some vendors or contractors may only accept wire transfers, Local Transfer payments arrive to the vendors bank account like a wire. In most cases, Local Transfer is the best choice.‍

Ready to try it out?

Pay your vendors with Local Transfer today.*
Make a Payment

*Subject to currency availability.

Frequently asked questions

What is local transfer?
Local Transfer is an alternative way for businesses to send international payments to their vendors & contractors. This alternative payment method delivers international payments through local payment networks in the recipient's country. Payments sent through local payment networks are faster than wire transfers because there are no intermediary banks involved.Here’s how it works: funds are sent via local payment networks to the country the payment is being delivered to—it's as if you're scheduling the payment locally.

That means:
  • Faster transfers—Your payments can arrive as soon as the very same day.
  • $0 wire fees—No transaction or receiving fee to you or your vendor and no intermediary bank fees deducted from your payment. Your vendors get exactly the amount of local currency you send, though exchange rates do apply.
What’s the difference between a local transfer and a wire transfer?
Local transfer
  • Local Transfer payments can be delivered up to 4 days faster than wire transfers via BILL (local currency only)
  • Vendors are not charged a wire receiving fee by their bank
  • Availability depends on the recipient’s country & payment limit threshold
Wire transfer
  • Wires transfers are delivered via the SWIFT network or through intermediary banks
  • Available to send in more currencies than local transfer (USD & local currency)
  • Availability depends on the recipient’s country
What payments are eligible for Local Transfer?
Local Transfer payments are eligible for any international payment that has the choice of a payment delivery method. If you do not see Local Transfer available for an international payment, it is likely that the currency of that payment is not supported at this time and the addition of other currencies will become more widely available. For financial institutions, all international payments are required to be processed via wire transfer.
How much does it cost to send a Local Transfer?
All payments in foreign currency, including Local Transfer, have no fee to send. For USD wires, there is a wire fee for each payment.
How much does Local Transfer cost?
All payments in foreign currency, including Local Transfer, have no fee to send. For USD wires, there is a wire fee for each payment.
Where can I find the option to use Local Transfer in BILL?
For eligible currencies, the option to select Local Transfer as the method of delivery for an international payment can be found on the screen where payments are scheduled. After a bill is approved and ready to be paid, simply navigate to ‘International payment delivery method’, select Local Transfer, and click ‘Pay’. Some countries eligible for Local Transfer may require you to update vendor information so that payments are delivered accurately via local payment networks.
What should you do if you have questions about the status of the payment?
Prior to contacting support, please verify that you have not received an email requesting additional information or documents to process your payment. If you have questions about Local Transfer payment timing, please contact customer support.
How do I cancel or void a Local Transfer payment?
Once funds have been disbursed, an international payment cannot be voided.
How do Local Transfer payments sync with my accounting platform?
Once funds have been disbursed, The sync for Local Transfer payments works the same as for domestic vendors and transactions.
How secure are Local Transfer payments compared to wire transfers?
All of our international payments solutions help keep your accounts safe and secure. 

Here's a quick over of just a few of our security measures:
  • BILL undergoes annual SOC1 and SOC2 Type II Audit by a leading national CPA firm.
  • We have adopted an Anti-Money Laundering (AML)/Office of Foreign Assets Control (OFAC) program.
  • BILL uses security software, intrusion detection, and prevention appliances, and network monitoring technology.
  • We use industry standard 2-step verification and SSL encryption.
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