Wires & Reverse Wires
Flexible, Secure Funding for Large Payrolls & High-Value Transactions
When you’re managing large-volume payrolls or individual high-dollar payouts, NatPay’s Wire and Reverse-Wire solutions offer the flexibility and precision you need—backed by decades of trusted payment experience.
When Should You Use Wires or Reverse Wires?
Plan to use wire or reverse wire funding if either of the following applies:
Transfer Options To Fit Your Needs
Traditional Wire Transfers
Wire the full payment or payroll amount directly to NatPay for rapid, secure delivery.
5-Day Processing Timeline (ACH)
Avoid wire fees by processing through ACH over a 5-day period:
| Day | Action |
|---|---|
| Monday |
Payment or Payroll file sent to NatPay |
| Tuesday |
NatPay collects funds from employer’s account |
| Wednesday |
Reserve day |
| Thursday |
Reserve day |
| Friday |
Funds deposited into employee accounts |
**If choosing this option, notify NatPay Customer Service so we can coordinate.**
secure. compliant. trackable. convenient.
Reverse Wires: Wire Transfer Draw-Down Services
Reverse Wires allow NatPay to pull funds via wire directly from your account (with your pre-authorization), saving time and reducing the steps on your end. Reverse Wires are initiated by NatPay, not the client.
Benefits of Reverse Wires:
To begin using Reverse Wire Services, complete these steps:
Getting Started with Reverse Wires
Step 2:
Submit Agreement to NatPay
NatPay will forward it to the appropriate bank to begin the approval/setup process.
Step 3:
Get Approved & Start Funding
Once NatPay is notified that your setup is complete, you’re ready to initiate Reverse Wires!
Reverse Wire Procedures
Reverse Wire Cut-Off Time:
Reverse Wire requests must be submitted by 4:30 PM ET for same-day processing
⚠️ Each bank has its own cut-off time—ensure there’s time for funding on both ends to avoid next-day delays.
