Payment Methods: PayPal, ACH, and Wire Transfer Options
Compare and choose the best payment method for receiving your Heritage Web affiliate commissions.
Quick Answer
Heritage Web offers three payment methods for affiliate commissions: PayPal and ACH with a $50 minimum payout (no fees), or wire transfer with a $500 minimum ($25 fee for US, variable for international). PayPal is fastest and most flexible, ACH is best for US-based affiliates wanting direct bank deposits, and wire transfer is necessary for large amounts or international payments. All payments are processed in USD on the 1st of each month.
Payment Method Comparison
Feature | PayPal | ACH (Direct Deposit) | Wire Transfer |
Minimum Payout | $50 | $50 | $500 |
Fees | None (Heritage Web pays) | None (Heritage Web pays) | $25 US / Variable Int'l |
Processing Time | Instant-24 hours | 3-5 business days | 3-7 business days |
Geographic Availability | 200+ countries | US only | Worldwide |
Setup Complexity | Easy | Moderate | Complex |
Best For | Quick payments, international | US affiliates, steady income | Large payouts, international |
PayPal
Overview
PayPal is the most popular choice for Heritage Web affiliates due to its low minimum threshold, fast processing, and global availability. Perfect for new affiliates and those wanting quick access to funds.
Advantages
Lowest Minimum: Only $50 threshold
Speed: Receive funds within 24 hours
No Fees: Heritage Web covers transaction fees
Global Reach: Available in 200+ countries
Flexibility: Use funds online or transfer to bank
Easy Setup: Just need email address
Multiple Currencies: Automatic conversion available
Disadvantages
Account Required: Must have PayPal account
Conversion Fees: 2.5-4% for currency conversion
Account Limits: New accounts may have receiving limits
Security Concerns: Target for phishing/scams
Setup Requirements
Create PayPal Account:
Personal or Business account accepted
Verify email address
Link bank account (optional but recommended)
For Affiliate Portal:
Enter PayPal email address exactly
Must match registered PayPal account
Can be different from affiliate email
Who Should Choose PayPal
New affiliates starting out
International affiliates
Those wanting fastest payment
Affiliates below $500 monthly
Anyone prioritizing convenience
PayPal-Specific Considerations
Receiving Limits: Verify account to increase limits
Business Account: Consider for professional appearance
Tax Reporting: Downloads available for records
Multiple Currencies: Accept USD to avoid double conversion
Instant Transfer: Available to bank (may have fee)
ACH (Automated Clearing House)
Overview
ACH direct deposit sends commission payments directly to your US bank account. Ideal for US-based affiliates who prefer traditional banking and automatic deposits.
Advantages
Direct to Bank: No intermediary service
Low Minimum: $50 threshold
No Fees: Completely free
Secure: Bank-level security
Professional: Clean for accounting
Automatic: No manual transfers needed
Full Amount: Receive exact commission
Disadvantages
US Only: Must have US bank account
Slower: 3-5 business days
Setup Complexity: Need routing and account numbers
No Flexibility: Goes directly to bank
Verification Time: Initial setup may take time
Setup Requirements
Bank Information Needed:
Bank name
Routing number (9 digits)
Account number
Account type (checking/savings)
Account holder name (must match affiliate account)
Where to Find Details:
Check: Bottom of personal checks
Online Banking: Account details section
Bank Statement: Header information
Bank Branch: Ask for ACH details
Who Should Choose ACH
US-based affiliates
Those with established businesses
Affiliates wanting direct deposits
Anyone preferring traditional banking
Those avoiding PayPal fees
ACH-Specific Considerations
Account Verification: May require micro-deposits
Business Accounts: Recommended for tax purposes
Name Matching: Must match exactly
Joint Accounts: Primary holder should match
Credit Unions: Fully supported
Wire Transfer
Overview
Wire transfers provide direct bank-to-bank payment for large commissions or international affiliates without PayPal access. Best for high-volume affiliates or those in countries with limited payment options.
Advantages
Global Availability: Works worldwide
Large Amounts: Ideal for big payments
Bank Security: Highly secure
Any Currency: Bank handles conversion
Professional: Preferred for business
Reliable: Established system
Disadvantages
High Minimum: $500 threshold
Fees: $25 for US, more for international
Slow: 3-7 business days
Complex Setup: Extensive information needed
No Reversal: Difficult to correct errors
Setup Requirements
US Wire Transfers
Bank Information:
Bank name and address
Routing number (wire transfer specific)
Account number
Account holder name and address
Additional Details:
Bank phone number
Reference information
Special instructions (if any)
International Wire Transfers
Required Information:
Bank name and full address
SWIFT/BIC code
IBAN (if applicable)
Account number
Account holder name and address
Bank branch code (some countries)
Intermediary Bank (if needed):
Intermediary bank name
SWIFT code
Account number with intermediary
Who Should Choose Wire Transfer
High-earning affiliates ($500+ monthly)
International affiliates without PayPal
Business entities requiring wire transfers
Those in countries with payment restrictions
Affiliates preferring traditional banking
Wire Transfer Considerations
Fee Structure: $25 deducted from payment
International Fees: Additional fees possible
Exchange Rates: Bank determines rate
Processing Time: Allow extra time for international
Accuracy Critical: Errors can delay or lose payment
Choosing the Right Method
Decision Framework
Choose PayPal If:
You're just starting out
You want fastest payment
You're international
You need low minimum
You want payment flexibility
Choose ACH If:
You're US-based
You want direct deposit
You prefer traditional banking
You avoid third-party services
You have steady commissions
Choose Wire Transfer If:
You earn $500+ monthly
PayPal isn't available
You're international without PayPal
You prefer bank transfers
You handle large amounts
Geographic Considerations
United States
All Options Available
Recommended: ACH for simplicity
Alternative: PayPal for speed
Canada
PayPal: Best option
Wire: For large amounts
ACH: Not available
Europe
PayPal: Most convenient
Wire: SEPA transfers possible
Consider: IBAN requirements
Asia-Pacific
PayPal: Where available
Wire: Complex but reliable
Note: Additional documentation may be required
Other Regions
Check: PayPal availability first
Default: Wire transfer
Research: Local regulations
Setting Up Your Payment Method
Initial Setup Process
Log into affiliate.heritageweb.com
Navigate to Account Settings → Payment Methods
Select preferred method
Enter required information
Save settings
Verify details are correct
Changing Payment Methods
Timing: Change anytime
Effect: Applies to next payout
Pending: Current requests use old method
Frequency: No limit on changes
Verification: May be required
Multiple Payment Methods
Current System: One active method only
Cannot: Split between methods
Cannot: Keep backup method
Must: Choose primary method
Common Setup Issues
PayPal Problems
Email Mismatch: Must match exactly
Unverified Account: Verify PayPal first
Country Restrictions: Check availability
Receiving Limits: Increase limits
ACH Problems
Routing Number: Use ACH routing, not wire
Name Mismatch: Must match exactly
Account Type: Specify checking/savings
Verification Failed: Double-check numbers
Wire Transfer Problems
Missing Information: All fields required
SWIFT Code: Must be valid
High Fees: Consider if worth it
Slow Processing: Plan accordingly
Tax Considerations
US Affiliates
All Methods: Report income equally
1099 Forms: Provided if thresholds met
Records: Download from portal
Quarterly: May need estimated payments
International Affiliates
Local Laws: Your responsibility
US Withholding: Generally not applied
Documentation: W-8BEN may be required
Currency: Report in local requirements
FAQs
Can I use a business bank account? Yes, recommended for all methods. Ensure the account holder name matches your affiliate registration.
What if PayPal isn't available in my country? Use wire transfer, though you'll need to accumulate $500 before requesting payout.
Are there hidden fees? No hidden fees from Heritage Web. PayPal may charge currency conversion. Banks may charge for receiving wires.
Can I split payments between methods? No, you must choose one payment method for each payout request.
Which method is best for taxes? All are equal for tax purposes. Choose based on your accounting preferences and local requirements.
Can I use someone else's account? Not recommended. Payment method owner should match affiliate account holder for legal and tax reasons.
Next Steps
Evaluate your situation (location, volume, preferences)
Choose appropriate payment method
Gather required information
Configure in Affiliate Portal
Test with first payout
Related Articles
How to Request Your Affiliate Payout
Setting Up PayPal for First-Time Affiliates
Payment Schedule & Minimum Threshold