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Direct Pay Questions

What is Direct Pay?

Direct Pay is a service from Wells Fargo that allows you to make payments to individuals and businesses online as soon as the next business day.

How can Direct Pay help me in my business?

With Direct Pay, it's easy to deposit payments directly into your Payee’s checking or savings accounts. You don't have to mail checks or put paychecks in workplace mail boxes.

You can run reports to see payment history and allow other users Direct Pay access to create, edit, or approve payments. The Direct Pay service may save you time and keep you organized.

How do I enroll in Direct Pay?

Once you've signed on to Wells Fargo Business Online®, go to Transfer and Pay and select Direct Pay for Business.

Once you have enrolled in Direct Pay, you can enroll additional TINs by selecting "Enroll Another TIN" under the General section on the Direct Pay Main Page.

How much does the Direct Pay service cost?

Direct Pay has a monthly service fee of just $10.00. There is no per payment fee for payments made to a Wells Fargo account for an individual. Payments made to an individual’s non-Wells Fargo account are only $0.50. Making payments to a business costs $3, regardless of whether the account is a Wells Fargo or non-Wells Fargo account.

How soon can I start making payments to Payees once I have added them?

You can begin to schedule payments to most Payees with Wells Fargo accounts within two business days. For accounts at other financial institutions, it can take up to three business days.

Can I send money internationally?

At this time, you can only make payments to Payees with bank accounts in the U.S. or U.S. territories. This means you can still pay someone who may be working for you in England, as long as he or she has a U.S. bank account.

How far in advance can I schedule payments?

You can schedule payments 13 months in advance.

What is the cut-off time for sending a payment?

The cut-off time is 3:00 pm Pacific Time. If you make a payment at 2:45 pm Pacific Time, it will go out that day. If you make a payment at 3:15 pm Pacific Time, it will go out the following business day.

What time of day will the money come out of my account?

The money comes out of your account at 3:00 pm Pacific Time on the scheduled Send On Date.

What are the levels of access for Direct Pay?

These levels of access are available to Direct Pay users:

  • Input/Release/Control: User can input and edit payments, review and approve payments, release funds from funding accounts, and control user access levels and limits.
  • Input/Release: User can input and edit payments, review and approve payments, and release funds from funding accounts.
  • Input Only: User can input and edit payments, but cannot release payments without approval from a user with a higher level of access.
  • No Access: User has no access to Direct Pay.