Onboarding involved a standard KYC, then I funded the wallet and created a couple of virtual cards with spend limits. Scheduling ACH payments was straightforward and same‑day worked once funds settled. My first transfer landed in a brief review hold, which support explained as routine. After that, payouts moved as expected. The pricing with no monthly fee is appealing, but it helps to read the eligibility notes. Solid for centralizing payments if you can tolerate an occasional pause.