Hello to all the self-employed!
This article is more suitable for beginners. But specialists will also be able to emphasize something.
ACH. Direct - Direct Deposit and reverse-ACH Pull.
Let's start with the return route. We use reverse ACH when we link the bank to the office using a username/password (Plaid/Finicity/Yodlee) or AN/RN, confirming the garter with minicams, or paying for an invoice sent from a business BA in this way. In this case, we initiate the payment at the office to which we actually extend our BA, after which automated clearing house occurs. In short, as a result-after 3 days, any amer's money goes to our self-reg. We use such transfers when working with brutes, when we have the opportunity to link it using a log pass without 2fa (this is for those who have not yet understood what an "inst play" is) or check miniks by linking our brute to the office for viewing transactions. Also, some banks allow you to make a link in Plaid via 2fa to mail - so these transfers can also be used when working with logs where you have access to email.
Nuances and details. And there are a lot of nuances, in fact. First, this transaction is perceived by the bank as more fraudulent than sending from the LC by direct transfer, so if we pull too much from the BA-the holder will be dialed from the fraud department and surprised with the news that they are trying to withdraw 20 thousand from his savings for home repairs to investka, he will say that in his heart he is not I know for this transfer, but we will be disappointed . Also, if the merchant sees this transaction later , it will be charged faster than the dep sent from the Yandex. Direct personal account, which means that we have less time to withdraw money if it still reaches self-reg. Well, with acceptances, everything becomes more and more complicated. Those large banks or well-known retail centers that are flooded with return payments either cut the limits or hold the amount of money in the region of 5 business days.
PS By the way, in some bundles you can link by AN/RN and without confirming the minik, for example, when opendep.
Now let's move on to direct translation, that is, sending from a log with access to the personal account or from a pad filled in from another BA. There are 2 options, by the way (depending on where to send it from). The first one is sending to a self-tag linked by an external user, which we knit using our username/password, or confirm with minicams. There are different banks, but in most cases acceptance must be made to the same first/last name as the bank from which we send, because when linking with minikami, these data are checked. Undoubtedly, there are many banks that allow you to send an enyname - in this case, it is important that acceptance is not fucked up by minics and transfers from another name. The second is sending via Bill Pay-Pay Person via AN/RN, when we can confidently send an eni. In this case, you don't need to confirm the payment details, but many banks will consider such a payment to be more fraudulent, so it's better to send smaller amounts.
Nuances... What if you thought that if we send money from the personal account of our log, we found the loot button?
A typical newbie who starts working with a BA
And you didn't guess, as a matter of fact. First, the year 2023 is almost over, which means that most banks will not let you just send a transfer to external and enter 2fa at the time of sending it. Of course, in poorly fucked up banks, you can substitute your number for withdrawal, but if the holder burns it , you will again go to the factory. Yes, and in the case when there is no 2fa for withdrawal, you should not run to send 2 lam bucks to your tea, because if the amount is much higher than the usual activity of our holder, who once a month withdraws his savings for checking to buy bread and butter and refuel Ford, then he will most likely be recruited from the fraud department just like if we were trying to get his money back. And as long as the transfer is still pending, stopping it is not a problem, and the money will remain with kh.
Another nuance is the routing of popular VCCs (Evolve Bank / Go2Bank/Bancorp Bank/Sutton Bank), as a rule, in the bathhouse in 90% of banks, and the rest are either hard to sregat the sejm on kh, and they do not accept eni. Well, those that accept eni will not accept a large amount. There are, of course, exceptions, but no one will tell you about them - you need to test them, or transfer them through the self-registers of banks that will fit overdue RNS for withdrawal.
PS In many banks, you can check whether the routing will fit by simply entering your bank details in the personal account. If it returns an error, then your acceptance is not suitable. However, this is not a guarantee of successful withdrawal: for some overdue RNS, the transaction exits, but then returns and the bank is blocked .
Bill Pay for credit card drops
In general, there is nothing much to say here. You take a drop credit - Amex, Apple Card or Chase (a tranza that charges and it dies under the whining of the drop that you are a faggot) - self-regs will fit with a stretch, but only very warmed up. Go to the Bill Pay menu, select the organization-the bank to which you are sending money, write the card number and send it. In this case, you can send quite a lot-depending on the negative balance of the card / account. Of course, no one canceled the charge, but such a transaction is considered the least fraudulent for many banks that are not yet so fucked up on bilpay, and it is almost impossible to return it from some credit cards. You can also use not only logs, but also brutes with access to the personal account - there will be no 2fa for such a transfer.
There are also nuances - if you work directly with drops, 95% of them will eventually be scammed with money filled in, and intermediaries will give you 20-25% of the money filled in, and then if you are lucky. That's all about bilpay - by the way, you can also pay other bills, not just credit cards, but it depends on what you can find for payment.
Zelle
These are such instant transfers (which can get stuck for several days if the antifraud person doesn't like it, or just loknut acceptance). This transfer is sent using the banking details-mail or phone number, depending on what is indicated on your acceptance form for the Zelle enroll. To work with it, you need either acceptance transactions that are warmed up by transactions (and then they may be blocked), or drop accounts (which may disappear). Here the nuances are as follows: if Zelle is not logged in, then you can hang it up on the mail from the log, or on the added number after sleeping off. If you are logged in, you should use the one specified by the holder (mail/phone number). In general, these payments are so fucked up that working with them is difficult. First, you heat it for 50-100 rubles, then, if the holder is not burned, you send the normal amount.
Well, with unheated self-regs, everything is very bad - both the self-reg from which you send and the acceptance will turn off. In short, it's a complicated story, but you shouldn't throw it away either - sometimes it's very relevant.
Wire
Something similar to Zelle, but allows you to quickly send larger amounts. 2fa when transferring money is sent strictly to the phone number (but it is not always necessary to swap - sometimes it is enough to change the number to your own in the personal account and let you sleep). Of the minuses - you will not find logs that are not overdue for sending it (or you need a simswap), few people will accept less than 10k, and drop warm-up accounts are needed for acceptance. There is also international wire, but this is quite confusing and long. Also, some banks only support seymame sending of a ver. In this case, self-reg is also suitable, but the need for this is quite rare, and sending between self-regs without warming them up will lead to their lock. But again, there are exceptions, so don't forget about this possibility in some bundles.
Mobile Deposit / Working with receipts
In general, working with checks involves downloading a mobile deposit, when you print out a check drawn/sent from the mailbox/sent by email, or drop it to cash out at the bank. Nuances are different everywhere.
Mobile deposit is a fairly common method of transfer, especially since it is available to us when we are not in Yandex. Money, so I will tell you about it. There are 2 options here - use the sites that allow you to send a check to email when the bank is tied up using AN/RN, or use the services of a renderer - a normal drawing is important here, because not so many banks learn clumsy drawing. From the nuances - you need to warm up the acceptance before the bay. VCCs with mobile deposit deposits usually have a low limit. Large banks allow you to deposit large amounts of money. Print the receipt, take a picture of the receipt . Again, with this cashout, I advise you to work on the volume - from many banks the transfer may not work out, because a call to the holder will follow, so about 50% of deposits will not reach, or chargeback will arrive during the hold and acceptance will die along with the bank from which we send the transfer by check.
Something like this. This material will be useful for many of you who are still taking the first steps in working with banks and testing bundles - now you understand in which direction you need to test.
This article is more suitable for beginners. But specialists will also be able to emphasize something.
ACH. Direct - Direct Deposit and reverse-ACH Pull.
Let's start with the return route. We use reverse ACH when we link the bank to the office using a username/password (Plaid/Finicity/Yodlee) or AN/RN, confirming the garter with minicams, or paying for an invoice sent from a business BA in this way. In this case, we initiate the payment at the office to which we actually extend our BA, after which automated clearing house occurs. In short, as a result-after 3 days, any amer's money goes to our self-reg. We use such transfers when working with brutes, when we have the opportunity to link it using a log pass without 2fa (this is for those who have not yet understood what an "inst play" is) or check miniks by linking our brute to the office for viewing transactions. Also, some banks allow you to make a link in Plaid via 2fa to mail - so these transfers can also be used when working with logs where you have access to email.
Nuances and details. And there are a lot of nuances, in fact. First, this transaction is perceived by the bank as more fraudulent than sending from the LC by direct transfer, so if we pull too much from the BA-the holder will be dialed from the fraud department and surprised with the news that they are trying to withdraw 20 thousand from his savings for home repairs to investka, he will say that in his heart he is not I know for this transfer, but we will be disappointed . Also, if the merchant sees this transaction later , it will be charged faster than the dep sent from the Yandex. Direct personal account, which means that we have less time to withdraw money if it still reaches self-reg. Well, with acceptances, everything becomes more and more complicated. Those large banks or well-known retail centers that are flooded with return payments either cut the limits or hold the amount of money in the region of 5 business days.
PS By the way, in some bundles you can link by AN/RN and without confirming the minik, for example, when opendep.
Now let's move on to direct translation, that is, sending from a log with access to the personal account or from a pad filled in from another BA. There are 2 options, by the way (depending on where to send it from). The first one is sending to a self-tag linked by an external user, which we knit using our username/password, or confirm with minicams. There are different banks, but in most cases acceptance must be made to the same first/last name as the bank from which we send, because when linking with minikami, these data are checked. Undoubtedly, there are many banks that allow you to send an enyname - in this case, it is important that acceptance is not fucked up by minics and transfers from another name. The second is sending via Bill Pay-Pay Person via AN/RN, when we can confidently send an eni. In this case, you don't need to confirm the payment details, but many banks will consider such a payment to be more fraudulent, so it's better to send smaller amounts.
Nuances... What if you thought that if we send money from the personal account of our log, we found the loot button?
A typical newbie who starts working with a BA
And you didn't guess, as a matter of fact. First, the year 2023 is almost over, which means that most banks will not let you just send a transfer to external and enter 2fa at the time of sending it. Of course, in poorly fucked up banks, you can substitute your number for withdrawal, but if the holder burns it , you will again go to the factory. Yes, and in the case when there is no 2fa for withdrawal, you should not run to send 2 lam bucks to your tea, because if the amount is much higher than the usual activity of our holder, who once a month withdraws his savings for checking to buy bread and butter and refuel Ford, then he will most likely be recruited from the fraud department just like if we were trying to get his money back. And as long as the transfer is still pending, stopping it is not a problem, and the money will remain with kh.
Another nuance is the routing of popular VCCs (Evolve Bank / Go2Bank/Bancorp Bank/Sutton Bank), as a rule, in the bathhouse in 90% of banks, and the rest are either hard to sregat the sejm on kh, and they do not accept eni. Well, those that accept eni will not accept a large amount. There are, of course, exceptions, but no one will tell you about them - you need to test them, or transfer them through the self-registers of banks that will fit overdue RNS for withdrawal.
PS In many banks, you can check whether the routing will fit by simply entering your bank details in the personal account. If it returns an error, then your acceptance is not suitable. However, this is not a guarantee of successful withdrawal: for some overdue RNS, the transaction exits, but then returns and the bank is blocked .
Bill Pay for credit card drops
In general, there is nothing much to say here. You take a drop credit - Amex, Apple Card or Chase (a tranza that charges and it dies under the whining of the drop that you are a faggot) - self-regs will fit with a stretch, but only very warmed up. Go to the Bill Pay menu, select the organization-the bank to which you are sending money, write the card number and send it. In this case, you can send quite a lot-depending on the negative balance of the card / account. Of course, no one canceled the charge, but such a transaction is considered the least fraudulent for many banks that are not yet so fucked up on bilpay, and it is almost impossible to return it from some credit cards. You can also use not only logs, but also brutes with access to the personal account - there will be no 2fa for such a transfer.
There are also nuances - if you work directly with drops, 95% of them will eventually be scammed with money filled in, and intermediaries will give you 20-25% of the money filled in, and then if you are lucky. That's all about bilpay - by the way, you can also pay other bills, not just credit cards, but it depends on what you can find for payment.
Zelle
These are such instant transfers (which can get stuck for several days if the antifraud person doesn't like it, or just loknut acceptance). This transfer is sent using the banking details-mail or phone number, depending on what is indicated on your acceptance form for the Zelle enroll. To work with it, you need either acceptance transactions that are warmed up by transactions (and then they may be blocked), or drop accounts (which may disappear). Here the nuances are as follows: if Zelle is not logged in, then you can hang it up on the mail from the log, or on the added number after sleeping off. If you are logged in, you should use the one specified by the holder (mail/phone number). In general, these payments are so fucked up that working with them is difficult. First, you heat it for 50-100 rubles, then, if the holder is not burned, you send the normal amount.
Well, with unheated self-regs, everything is very bad - both the self-reg from which you send and the acceptance will turn off. In short, it's a complicated story, but you shouldn't throw it away either - sometimes it's very relevant.
Wire
Something similar to Zelle, but allows you to quickly send larger amounts. 2fa when transferring money is sent strictly to the phone number (but it is not always necessary to swap - sometimes it is enough to change the number to your own in the personal account and let you sleep). Of the minuses - you will not find logs that are not overdue for sending it (or you need a simswap), few people will accept less than 10k, and drop warm-up accounts are needed for acceptance. There is also international wire, but this is quite confusing and long. Also, some banks only support seymame sending of a ver. In this case, self-reg is also suitable, but the need for this is quite rare, and sending between self-regs without warming them up will lead to their lock. But again, there are exceptions, so don't forget about this possibility in some bundles.
Mobile Deposit / Working with receipts
In general, working with checks involves downloading a mobile deposit, when you print out a check drawn/sent from the mailbox/sent by email, or drop it to cash out at the bank. Nuances are different everywhere.
Mobile deposit is a fairly common method of transfer, especially since it is available to us when we are not in Yandex. Money, so I will tell you about it. There are 2 options here - use the sites that allow you to send a check to email when the bank is tied up using AN/RN, or use the services of a renderer - a normal drawing is important here, because not so many banks learn clumsy drawing. From the nuances - you need to warm up the acceptance before the bay. VCCs with mobile deposit deposits usually have a low limit. Large banks allow you to deposit large amounts of money. Print the receipt, take a picture of the receipt . Again, with this cashout, I advise you to work on the volume - from many banks the transfer may not work out, because a call to the holder will follow, so about 50% of deposits will not reach, or chargeback will arrive during the hold and acceptance will die along with the bank from which we send the transfer by check.
Something like this. This material will be useful for many of you who are still taking the first steps in working with banks and testing bundles - now you understand in which direction you need to test.
