{"id":3000,"date":"2018-06-05T09:00:12","date_gmt":"2018-06-05T07:00:12","guid":{"rendered":"https:\/\/clockify.me\/blog\/?p=3000"},"modified":"2023-12-27T02:00:00","modified_gmt":"2023-12-27T00:00:00","slug":"receive-payments-online","status":"publish","type":"post","link":"https:\/\/clockify.me\/blog\/apps-tools\/receive-payments-online\/","title":{"rendered":"The 9 Best Payment Apps"},"content":{"rendered":"\n<p>Whether you are a small business owner or a self-employed individual, making sure you pay your employees or <a href=\"https:\/\/clockify.me\/client-billing\">get paid for your work<\/a> is of the utmost importance at the end of the day.<\/p>\n\n\n\n<p>Good payment software makes the job much easier and safer.&nbsp;<\/p>\n\n\n\n<p>Equally, the constant rise of online shopping calls for a reliable and easy-to-use payment solution (whether to transfer money to your family, friends, or request loans conveniently).&nbsp;<\/p>\n\n\n\n<p>For that reason, I did the heavy lifting and tried out some of the most used payment software available on Google (the ones that offer a free trial or a free plan). While testing the tools, I mostly focused on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Payment processing time,<\/li>\n\n\n\n<li>Fees,<\/li>\n\n\n\n<li>Country availability,<\/li>\n\n\n\n<li>Currencies available,<\/li>\n\n\n\n<li>Payment methods,<\/li>\n\n\n\n<li>Transfer limits, and<\/li>\n\n\n\n<li>Notable features, including pros and cons for each app.<\/li>\n<\/ul>\n\n\n\n<p>After taking a closer look at all the listed features, I picked out <strong>9 most popular and reliable payment apps on the market.<\/strong>&nbsp;<\/p>\n\n\n\n<p>Let\u2019s see what I found out about those apps.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"600\" src=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/The-Best-Payment-Apps-cover.jpg\" alt=\"The Best Payment Apps - cover\" class=\"wp-image-21775\" srcset=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/The-Best-Payment-Apps-cover.jpg 1200w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/The-Best-Payment-Apps-cover-300x150.jpg 300w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/The-Best-Payment-Apps-cover-768x384.jpg 768w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/The-Best-Payment-Apps-cover-18x9.jpg 18w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n<\/div>\n\n\n<div class=\"wp-block-group pro-tip has-background\" style=\"background-color:#f0faff\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-color has-link-color wp-elements-5c430e3af789a59ad881a6001925c424\" style=\"color:#0c1013\"><strong>WHY TRUST US?<\/strong><\/p>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-8f5aeff3e8f21adb3a112105a556e19b\" style=\"color:#263238\">The apps we talk about are selected, tested, and written about by human reviewers who follow strict review and editorial guidelines. We pick solutions that are practical, purposeful, and can offer real value for the specific use case or business context we\u2019re covering \u2014 while also being justified in their pricing. Our methodology is transparent, clear, and available to everyone:<\/p>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-7f5f4bccd56f4d6606a10d2709890b37\" style=\"color:#0287c5\"><a href=\"https:\/\/cake.com\/our-software-review-methodology\" target=\"_blank\" rel=\"noreferrer noopener\">Learn more about our review methodology here \u2192<\/a><\/p>\n<\/div><\/div>\n\n\n\n<h2 id=\"paypal-best-online-payment-system\" class=\"wp-block-heading\"><a href=\"https:\/\/www.paypal.com\/rs\/home\" target=\"_blank\" rel=\"noreferrer noopener\">PayPal<\/a> \u2014 best online payment system&nbsp;<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1600\" height=\"1199\" src=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/PayPal-dashboard.jpg\" alt=\"PayPal dashboard\" class=\"wp-image-21752\" srcset=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/PayPal-dashboard.jpg 1600w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/PayPal-dashboard-300x225.jpg 300w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/PayPal-dashboard-841x630.jpg 841w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/PayPal-dashboard-768x576.jpg 768w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/PayPal-dashboard-1536x1151.jpg 1536w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/PayPal-dashboard-16x12.jpg 16w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><\/figure>\n<\/div>\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>PayPal is an online payment system with over 200 million users. This payment platform allows you to shop, pay, and get paid from almost anywhere \u2014 either for personal or business needs.<\/p>\n\n\n\n<p>Probably one of my favorite PayPal functionalities is One Touch. With One Touch, you can enjoy a seamless checkout experience and make purchases on websites that accept PayPal as a payment method. Additionally, PayPal offers insurance for different transactions, the ability to transfer money to friends with ease, or even request loans, making it a versatile payment platform.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"882\" height=\"484\" src=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/PayPal-One-touch.jpg\" alt=\"PayPal One touch\" class=\"wp-image-21753\" srcset=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/PayPal-One-touch.jpg 882w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/PayPal-One-touch-300x165.jpg 300w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/PayPal-One-touch-768x421.jpg 768w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/PayPal-One-touch-18x10.jpg 18w\" sizes=\"auto, (max-width: 882px) 100vw, 882px\" \/><figcaption class=\"wp-element-caption\">Making fast and easy purchases with PayPal<\/figcaption><\/figure>\n<\/div>\n\n\n<p>When you want to buy something online, if the store accepts PayPal, you\u2019ll see the <em>Check out with PayPal<\/em> button. After you click on it, you will automatically be transferred to your PayPal account with your payment summary and your PayPal balance. Click Continue, and that\u2019s all. No entering passwords or credit card details. Just make sure you have funds on your PayPal balance and that the online store you\u2019re trying to make a purchase from accepts PayPal.&nbsp; <\/p>\n\n\n\n<p>I\u2019m an avid online shopper, and PayPal&#8217;s hassle-free payment method makes my life easier on a daily basis.&nbsp;<\/p>\n\n\n\n<h3 id=\"key-information-about-paypal\" class=\"wp-block-heading\">Key information about PayPal<\/h3>\n\n\n\n<p>Take a look at the following section to find out everything there is to know about money transfer via PayPal.&nbsp;<\/p>\n\n\n\n<p><strong>PayPal payment processing time:<\/strong><\/p>\n\n\n\n<p>Usually 3\u20135 business days.<\/p>\n\n\n\n<p><strong>PayPal fees:<\/strong><\/p>\n\n\n\n<p><strong>Buying with PayPal (online or in-store) <\/strong>\u2014 free.<\/p>\n\n\n\n<p><strong>Receiving personal transactions<\/strong> \u2014 no fee (when no currency conversion is involved).<\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong>Sending domestic personal transactions<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Payment method<\/strong><\/td><td><strong>Sender market\/region<\/strong><\/td><td><strong>Rate<\/strong><\/td><\/tr><tr><td rowspan=\"2\">PayPal Balance or Bank account<\/td><td>AD, HR, IS, MC*<\/td><td>No fee (if funded in EEA in EUR\/SEK)<\/td><\/tr><tr><td>Any other market, where available<\/td><td>No fee (when no currency conversion is involved)<\/td><\/tr><tr><td rowspan=\"2\">Cards<\/td><td>AD, HR, IS, MC<\/td><td>No fee (if funded in EEA in EUR\/SEK)<\/td><\/tr><tr><td>Any other market, where available<\/td><td>3.4% + fixed fee<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>*Take a look at the <a href=\"https:\/\/www.paypal.com\/rs\/business\/paypal-business-fees\" target=\"_blank\" rel=\"noreferrer noopener\">PayPal Market\/Region list<\/a> to find your country, where applicable.<\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong>Sending international personal transactions<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Payment method<\/strong><\/td><td><strong>Sender market\/region<\/strong><\/td><td><strong>Recipient market\/region<\/strong><\/td><td><strong>Rate<\/strong><\/td><\/tr><tr><td rowspan=\"6\">PayPal Balance or Bank account<\/td><td rowspan=\"2\">AD, HR, IS, MC<\/td><td>Canada, Europe I, Europe II, Northern Europe, US<\/td><td>1.99 EUR<\/td><\/tr><tr><td>Any other market<\/td><td>3.99 EUR<\/td><\/tr><tr><td rowspan=\"2\">AL, BA, MK, MD, ME, UA<\/td><td>Canada, Europe I, Europe II, Northern Europe, US<\/td><td>1.99 EUR<\/td><\/tr><tr><td>Any other market<\/td><td>3.99 EUR<\/td><\/tr><tr><td>NZ<\/td><td>Any market&nbsp;<\/td><td>6.99 NZD<\/td><\/tr><tr><td>Any other market, where available&nbsp;<\/td><td>Any market<\/td><td>4.99 USD<\/td><\/tr><tr><td rowspan=\"6\">Cards<\/td><td rowspan=\"2\">AD, HR, IS, MC<\/td><td>Canada, Europe I, Europe II, Northern Europe, US<\/td><td>1.99 EUR<\/td><\/tr><tr><td>Any other market<\/td><td>3.99 EUR<\/td><\/tr><tr><td rowspan=\"2\">AL, BA, MK, MD, ME, UA<\/td><td>Canada, Europe I, Europe II, Northern Europe, US<\/td><td>1.99 EUR + 3.4% + fixed fee<\/td><\/tr><tr><td>Any other market<\/td><td>3.99 EUR + 3.4% + fixed fee<\/td><\/tr><tr><td>NZ<\/td><td>Any market<\/td><td>6.99 NZD + 3.4% + fixed fee<\/td><\/tr><tr><td>Any other market\/region where available&nbsp;<\/td><td>Any market<\/td><td>4.99 USD + 3.4% + fixed fee<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>For more details about the PayPal consumer fees, visit the <a href=\"https:\/\/www.paypal.com\/rs\/digital-wallet\/paypal-consumer-fees#domestic\" target=\"_blank\" rel=\"noreferrer noopener\">PayPal Consumer Fee page<\/a>.<\/p>\n\n\n\n<p><strong>PayPal country availability:<\/strong><\/p>\n\n\n\n<p>Available in more than 200 countries.<\/p>\n\n\n\n<p><strong>PayPal supported currencies:<\/strong><\/p>\n\n\n\n<p>Available in 25 currencies.<\/p>\n\n\n\n<p><strong>PayPal payment methods:<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Instant balance transfer,<\/li>\n\n\n\n<li>Instant bank transfer,<\/li>\n\n\n\n<li>PayPal Credit,<\/li>\n\n\n\n<li>Instant card payment, and<\/li>\n\n\n\n<li>eCheque.<\/li>\n<\/ul>\n\n\n\n<p><strong>PayPal transfer limit:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Regular users<\/strong> \u2014 $4,000,<\/li>\n\n\n\n<li><strong>Verified users<\/strong> \u2014 $10,000 in a single payment, and<\/li>\n\n\n\n<li><strong>Users with a linked bank account<\/strong> \u2014 $25,000 per transaction.<\/li>\n<\/ul>\n\n\n\n<p><strong>PayPal pros:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Integrates with other platforms and websites,<\/li>\n\n\n\n<li>Offers a safe way of making payments online without exposing credit card details, and<\/li>\n\n\n\n<li>Offers the option to receive payments using an email address only.<\/li>\n<\/ul>\n\n\n\n<p><strong>PayPal cons:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hefty transaction fees, and<\/li>\n\n\n\n<li>Not so favorable exchange rates as those offered by other apps on this list.<\/li>\n<\/ul>\n\n\n\n<p><strong>PayPal is the best fit for:<\/strong><\/p>\n\n\n\n<p>Freelancers, businesses of any size, merchants.<\/p>\n\n\n\n<p><strong>PayPal pricing:<\/strong><\/p>\n\n\n\n<p>No monthly fees or set-up costs.<\/p>\n\n\n\n<p><strong>PayPal platforms supported:<\/strong><\/p>\n\n\n\n<p>Web, Mac, Linux, Windows, iOS, Android<\/p>\n\n\n\n<p><strong>What\u2019s new with PayPal<\/strong><\/p>\n\n\n\n<p>In June 2022, PayPal announced a new feature called <em>PayPal Pay Monthly<\/em>. This feature allows US consumers to make a purchase between $199 and $10,000 and break their total cost up into monthly installments (over a 6-24 month period).<\/p>\n\n\n\n<h2 id=\"payoneer-best-for-cross-border-business-payments\" class=\"wp-block-heading\"><a href=\"https:\/\/www.payoneer.com\/sr\/\" target=\"_blank\" rel=\"noreferrer noopener\">Payoneer<\/a> \u2014 best for cross-border business payments<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1492\" height=\"854\" src=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Payoneer-dashboard.jpg\" alt=\"Payoneer dashboard\" class=\"wp-image-21751\" srcset=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Payoneer-dashboard.jpg 1492w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Payoneer-dashboard-300x172.jpg 300w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Payoneer-dashboard-1101x630.jpg 1101w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Payoneer-dashboard-768x440.jpg 768w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Payoneer-dashboard-18x10.jpg 18w\" sizes=\"auto, (max-width: 1492px) 100vw, 1492px\" \/><\/figure>\n<\/div>\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Payoneer is one of the more popular money transfer apps with more than 4 million users.<\/p>\n\n\n\n<p>This payment solution lets its users receive and request online payments from clients, family, or friends in a couple of clicks, as well as track their account balance and entire transaction history.<\/p>\n\n\n\n<p>As a <a href=\"https:\/\/clockify.me\/blog\/remote-work\/start-freelancing-full-time-job\/\" target=\"_blank\" rel=\"noreferrer noopener\">freelancer<\/a>, you can make great use of Payoneer. Using the option <em>Request payments<\/em>, you can receive money by sending your client a payment request \u2014 right from your Payoneer account. All you need to do is fill out some payment details and submit the request. <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"716\" src=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Payoneer-1.jpg\" alt=\"Payoneer request payments\" class=\"wp-image-21757\" srcset=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Payoneer-1.jpg 800w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Payoneer-1-300x269.jpg 300w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Payoneer-1-704x630.jpg 704w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Payoneer-1-768x687.jpg 768w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Payoneer-1-13x12.jpg 13w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption class=\"wp-element-caption\">Request payments in a few steps by using Payoneer&nbsp;<\/figcaption><\/figure>\n<\/div>\n\n\n<p>The client receives an email with instructions on how to make a payment, and you can even attach an invoice together with your request.&nbsp;&nbsp;<\/p>\n\n\n\n<p>I like the simplicity of this app. As a Payoneer user myself for years, I can admit it\u2019s probably the most convenient and effective way to send or receive payments globally. I also like the ability to withdraw funds from my Payoneer account to my local bank account. This option comes in handy in case you don\u2019t own a Payoneer card (and don\u2019t want to pay a yearly fee for owning one).<\/p>\n\n\n\n<h3 id=\"key-information-about-payoneer\" class=\"wp-block-heading\">Key information about Payoneer<\/h3>\n\n\n\n<p>Take a look at the following section to find out everything there is to know about money transfer via Payoneer.<\/p>\n\n\n\n<p><strong>Payoneer payment processing time:<\/strong><\/p>\n\n\n\n<p>Up to 5 business days, depending on the payment method used (applies to both sending and receiving payments).<\/p>\n\n\n\n<p><strong>Payoneer fees:<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong>Getting paid<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Payment method<\/th><th>Fees<\/th><\/tr><\/thead><tbody><tr><td>By another Payoneer customer<\/td><td>Free<\/td><\/tr><tr><td>Payoneer receiving accounts<\/td><td>Up to 1%<\/td><\/tr><tr><td>Credit cards<\/td><td>3%<\/td><\/tr><tr><td>ACH bank debits<\/td><td>1% (US only)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong>Paying and using funds<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Payment method<\/th><th>Fees<\/th><\/tr><\/thead><tbody><tr><td>To another Payoneer customer<\/td><td>Free<\/td><\/tr><tr><td>If the recipient is not a Payoneer customer<\/td><td>Up to 3%<\/td><\/tr><tr><td>USD to USD payments<\/td><td>$1.50<\/td><\/tr><tr><td>EUR to EUR payments<\/td><td>\u20ac1.50<\/td><\/tr><tr><td>GBP to GBP payments<\/td><td>\u00a31.50<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong>Payoneer card<\/strong>*<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Payment method<\/th><th>Fees<\/th><\/tr><\/thead><tbody><tr><td>Moving funds between Payoneer balances<\/td><td>0.5% of amount to transfer<\/td><\/tr><tr><td>Withdrawing funds to a bank account<\/td><td>Up to 3% of transactions<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>*Annual account fee for a Payoneer card is $29.95<\/p>\n\n\n\n<p><strong>Payoneer country availability:<\/strong><\/p>\n\n\n\n<p>Available in 200+ countries.<\/p>\n\n\n\n<p><strong>Payoneer supported currencies:<\/strong><\/p>\n\n\n\n<p>Available in USD, EUR, GBP, CAD, AUD, JPY, and CNH.<\/p>\n\n\n\n<p><strong>Payoneer payment methods:&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bank-debit ACH,<\/li>\n\n\n\n<li>Local bank transfers, and<\/li>\n\n\n\n<li>Credit\/debit card payments.<\/li>\n<\/ul>\n\n\n\n<p><strong>Payoneer transfer limit:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Transfer options<\/th><th>Transfer limits<\/th><\/tr><\/thead><tbody><tr><td>Minimum per payment<\/td><td>50 USD\/GBP\/EUR<\/td><\/tr><tr><td>Send daily<\/td><td>25K USD\/GBP\/EUR<\/td><\/tr><tr><td>Receive daily<\/td><td>25K USD\/GBP\/EUR<\/td><\/tr><tr><td>Send monthly&nbsp;<\/td><td>50K USD\/GBP\/EUR<\/td><\/tr><tr><td>Receive monthly<\/td><td>100K USD\/GBP\/EUR<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Still, each currency has limits, for instance, you can send $5,000 and \u20ac5,000 during the same 24 hours.<\/p>\n\n\n\n<p><strong>Payoneer pros:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Free Payoneer-to-Payoneer transfers,<\/li>\n\n\n\n<li>Ability to convert funds from one balance or card to another balance or card, and<\/li>\n\n\n\n<li>Competitive exchange rates.<\/li>\n<\/ul>\n\n\n\n<p><strong>Payoneer cons:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Expensive annual account fee, and<\/li>\n\n\n\n<li>Multiple mandatory verification processes.<\/li>\n<\/ul>\n\n\n\n<p><strong>Payoneer is the best fit for:<\/strong><\/p>\n\n\n\n<p>Entrepreneurs, freelancers, and small businesses.<strong>&nbsp;<\/strong><\/p>\n\n\n\n<p><strong>Payoneer pricing:<\/strong><\/p>\n\n\n\n<p>Free to install and use.<\/p>\n\n\n\n<p><strong>Payoneer platforms supported:<\/strong><\/p>\n\n\n\n<p>Web, Mac, Linux, Windows, iOS, Android<\/p>\n\n\n\n<p><strong>What\u2019s new with Payoneer<\/strong><\/p>\n\n\n\n<p>Payoneer partnered with Airbnb a decade ago. However, as of September 2023, hosts in additional countries can now get paid in their local currency.<\/p>\n\n\n\n<h2 id=\"quickbooks-best-for-accounting\" class=\"wp-block-heading\"><a href=\"https:\/\/quickbooks.intuit.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">QuickBooks<\/a> \u2014 best for accounting<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1608\" height=\"800\" src=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/QuickBooks-dashboard.png\" alt=\"QuickBooks dashboard\" class=\"wp-image-21758\" srcset=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/QuickBooks-dashboard.png 1608w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/QuickBooks-dashboard-300x149.png 300w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/QuickBooks-dashboard-1200x597.png 1200w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/QuickBooks-dashboard-768x382.png 768w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/QuickBooks-dashboard-1536x764.png 1536w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/QuickBooks-dashboard-18x9.png 18w\" sizes=\"auto, (max-width: 1608px) 100vw, 1608px\" \/><\/figure>\n<\/div>\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>QuickBooks is one of the most popular accounting solutions out there that can help you with:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Receiving payments online,<\/li>\n\n\n\n<li>Sending out custom invoices,&nbsp;<\/li>\n\n\n\n<li>Scheduling recurring payments,&nbsp;<\/li>\n\n\n\n<li>Accepting payments, and&nbsp;<\/li>\n\n\n\n<li>Keeping a record of all changes made to the software.<\/li>\n<\/ul>\n\n\n\n<p>As soon as you log into your account, you will see an overview of your QuickBooks account and sections aimed at transactions, invoices, payroll, expenses, etc.<\/p>\n\n\n\n<p>As for receiving payments from a customer in QuickBooks, the process seems very straightforward:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>First, select the customer you want to receive a payment from (or find it by invoice number, whichever way is easier for you),<\/li>\n\n\n\n<li>Enter a payment date,<\/li>\n\n\n\n<li>Choose the Payment method (whether you want to receive a payment by cash, cheque, credit card, or direct debit),<\/li>\n\n\n\n<li>Choose how you want to deposit the payment,<\/li>\n\n\n\n<li>Add attachments if necessary, and<\/li>\n\n\n\n<li>Click Save and close. &nbsp;<\/li>\n<\/ol>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"857\" height=\"670\" src=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Intuit-Quickbooks-receive-payment.png\" alt=\"Intuit Quickbooks receive payment\" class=\"wp-image-21756\" srcset=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Intuit-Quickbooks-receive-payment.png 857w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Intuit-Quickbooks-receive-payment-300x235.png 300w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Intuit-Quickbooks-receive-payment-806x630.png 806w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Intuit-Quickbooks-receive-payment-768x600.png 768w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Intuit-Quickbooks-receive-payment-15x12.png 15w\" sizes=\"auto, (max-width: 857px) 100vw, 857px\" \/><figcaption class=\"wp-element-caption\">Receiving payments in QuickBooks<\/figcaption><\/figure>\n<\/div>\n\n\n<p>What I really like about receiving payments in QuickBooks is that the app adds flexibility to the way you want to get paid \u2014 you can set up custom payment schedules, track multiple invoices, inform your customers about your preferred payment method, and more.<\/p>\n\n\n\n<p>What\u2019s more, I find it useful that I can add and review bank transactions using QuickBooks. The Transactions tab on my dashboard allows me to connect my credit cards with QuickBooks, and QuickBooks then automatically imports my transactions.&nbsp;<\/p>\n\n\n\n<h3 id=\"key-information-about-quickbooks\" class=\"wp-block-heading\">Key information about QuickBooks<\/h3>\n\n\n\n<p>Take a look at the following section to find out everything there is to know about money transfer via QuickBooks.<\/p>\n\n\n\n<p><strong>QuickBooks payment processing time<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credit card payments <\/strong>\u2014 within 2 business days (up to 5 business days for your first few deposits), and<\/li>\n\n\n\n<li><strong>ACH, PayPal, Venmo <\/strong>\u2014 the next day if processed before 3 p.m. (within 5 business days if you are brand new to QuickBooks).<\/li>\n<\/ul>\n\n\n\n<p><strong>QuickBooks fees:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Payment method<\/th><th>Fees<\/th><\/tr><\/thead><tbody><tr><td>Cards and digital wallets (invoices or quick requests paid using Visa, Mastercard, Discover, American Express, Apple Pay, PayPal, and Venmo)<\/td><td>2.99%<\/td><\/tr><tr><td>ACH bank payments (invoices paid using electronic funds transfer)<\/td><td>1%<\/td><\/tr><tr><td>Card reader (in-person payments with a card reader including Visa, Mastercard, Discover, American Express, Apple Pay, Google Pay, and Samsung Pay)<\/td><td>2.5%<\/td><\/tr><tr><td>Keyed-in-cards (payments processed by manually entering a customer\u2019s card info)<\/td><td>3.5%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>QuickBooks country availability:<\/strong><\/p>\n\n\n\n<p>Available in more than 170 countries around the world.<\/p>\n\n\n\n<p><strong>QuickBooks <\/strong><strong>supported<\/strong><strong> currencies:<\/strong><\/p>\n\n\n\n<p>Available in 150+ currencies.<\/p>\n\n\n\n<p><strong>QuickBooks payment methods:<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Credit Card,&nbsp;<\/li>\n\n\n\n<li>Debit Card,&nbsp;<\/li>\n\n\n\n<li>ACH Bank Transfer,&nbsp;<\/li>\n\n\n\n<li>PayPal, and<\/li>\n\n\n\n<li>Venmo.<\/li>\n<\/ul>\n\n\n\n<p><strong>QuickBooks transfer limit:<\/strong><\/p>\n\n\n\n<p>Depends on your banking and processing history (i.e., the amount of money transferred within your account in the last 30 days). Apart from that, you are allowed to accept one ACH payment of up to $49,999.<\/p>\n\n\n\n<p><strong>QuickBooks pros:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cloud-based software, hence no need for downloads,<\/li>\n\n\n\n<li>Offers an easy and intuitive finance monitoring, and<\/li>\n\n\n\n<li>Uses numerous payment methods such as credit cards, PayPal, ACH, etc.<\/li>\n<\/ul>\n\n\n\n<p><strong>QuickBooks cons:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Does not integrate with other business systems, and<\/li>\n\n\n\n<li>Offers plans with limited users.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group pro-tip\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>\ud83d\udca1<strong>Clockify Pro Tip<\/strong><\/p>\n\n\n\n<p>Apart from its role as a payment processor, QuickBooks online mainly serves as an effective automated accounting software \u2014 for more tools like QuickBooks, check our list of best accounting tools:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/clockify.me\/blog\/apps-tools\/best-accounting-tools\/\" target=\"_blank\" rel=\"noreferrer noopener\">15 best free accounting software tools<\/a><\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p><strong>QuickBooks is the best fit for:<\/strong><\/p>\n\n\n\n<p>Small businesses.&nbsp;<\/p>\n\n\n\n<p><strong>QuickBooks pricing:&nbsp;<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Type of plan and availability<\/strong><\/th><th><strong>Pricing<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Free plan \u274c<\/td><td><strong>\u274c<\/strong><\/td><\/tr><tr><td>Free trial \u2705<\/td><td>30-day trial<\/td><\/tr><tr><td>Cheapest paid plan<\/td><td>$17\/month<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>QuickBooks platforms supported:<\/strong><\/p>\n\n\n\n<p>Web, Mac, Linux, Windows, iOS, Android<\/p>\n\n\n\n<p><strong>What\u2019s new with QuickBooks<\/strong><\/p>\n\n\n\n<p>As of 2023, customers are now able to leave you and your employees a tip (5%, 10%, or 15%) on the invoice in QuickBooks Online.&nbsp;<\/p>\n\n\n\n<h2 id=\"skrill-best-for-fast-and-easy-money-transfer\" class=\"wp-block-heading\"><a href=\"https:\/\/www.skrill.com\/en\/\" target=\"_blank\" rel=\"noreferrer noopener\">Skrill<\/a> \u2014 best for fast and easy money transfer<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1595\" height=\"466\" src=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Skrill-dashboard.png\" alt=\"Skrill dashboard\" class=\"wp-image-21761\" srcset=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Skrill-dashboard.png 1595w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Skrill-dashboard-300x88.png 300w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Skrill-dashboard-1200x351.png 1200w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Skrill-dashboard-768x224.png 768w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Skrill-dashboard-1536x449.png 1536w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Skrill-dashboard-18x5.png 18w\" sizes=\"auto, (max-width: 1595px) 100vw, 1595px\" \/><\/figure>\n<\/div>\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Skrill is an online payment processor that allows users to send and receive international money transfers at a low cost. Apart from allowing its users to send and receive money around the world, Skrill can be a great ally in buying and selling over 40 cryptocurrencies, including Bitcoin, Ethereum, Cardano, etc.<\/p>\n\n\n\n<p>Since Skrill is known as being one of the world\u2019s most reliable methods for money transfer, I\u2019ve decided to test its features to see for myself.&nbsp;<\/p>\n\n\n\n<p>While testing out the app, I came to the conclusion that sending money via Skrill is child\u2019s play. Transferring money using Skrill can be done to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A bank account,<\/li>\n\n\n\n<li>A mobile wallet,<\/li>\n\n\n\n<li>A mobile number, or<\/li>\n\n\n\n<li>An email address.&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>I also found sending money to a bank account very straightforward. All you need to do is follow the steps as shown below \u2014 choose the amount you want to transfer, fill out the necessary sender and recipient information, make sure you check everything before sending, click Send, and voila. As simple as that.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1120\" height=\"630\" src=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Skrill-send-money-1120x630.png\" alt=\"Skrill send money\" class=\"wp-image-21762\" srcset=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Skrill-send-money-1120x630.png 1120w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Skrill-send-money-300x169.png 300w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Skrill-send-money-768x432.png 768w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Skrill-send-money-18x10.png 18w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Skrill-send-money.png 1309w\" sizes=\"auto, (max-width: 1120px) 100vw, 1120px\" \/><figcaption class=\"wp-element-caption\">Sending money to a bank account in Skrill<\/figcaption><\/figure>\n\n\n\n<h3 id=\"key-information-about-skrill\" class=\"wp-block-heading\">Key information about Skrill<\/h3>\n\n\n\n<p>Take a look at the following section to find out everything there is to know about money transfer via Skrill.<\/p>\n\n\n\n<p><strong>Skrill payment processing time:<\/strong><\/p>\n\n\n\n<p>Up to 3 days (depending on several factors, such as the payment method and the country you\u2019re transferring money to).&nbsp;<\/p>\n\n\n\n<p>An instant transfer is possible only with Skrill-to-Skrill transactions.&nbsp;<\/p>\n\n\n\n<p><strong>Skrill fees:<\/strong><\/p>\n\n\n\n<p>Skrill <strong>doesn\u2019t charge anything when it comes to receiving the money<\/strong> \u2014 however, you might be charged a currency conversion fee of 3.99%, which is the Skrill\u2019s exchange rate.<\/p>\n\n\n\n<p>As for <strong>transferring money via Skrill<\/strong>, the following fees apply:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Transfer options<\/th><th>Fees<\/th><\/tr><\/thead><tbody><tr><td>International transfer, sending money by bank transfer<\/td><td>Free (charges may apply in case of currency conversion)<\/td><\/tr><tr><td>International transfer, sending money by debit card, Paysafecash, Bank transfer via Sofort\/Klarna<\/td><td>Up to 1%<\/td><\/tr><tr><td>International transfer, sending money by credit card<\/td><td>Up to 2.99%<\/td><\/tr><tr><td>International transfer in the same send-and-receive currency per transaction<\/td><td>Up to 4.99%<\/td><\/tr><tr><td>International transfer exchange rate mark-up per transaction<\/td><td>Up to 4.99%<\/td><\/tr><tr><td>Domestic transfer per transaction<\/td><td>Up to 2%<\/td><\/tr><tr><td>Skrill to Skrill<\/td><td>2.99% and a minimum fee of EUR 0.50 applies<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Skrill country availability:<\/strong>&nbsp;<\/p>\n\n\n\n<p>Skrill is available in 200+ countries around the world.<\/p>\n\n\n\n<p><strong>Skrill supported currencies:<\/strong><\/p>\n\n\n\n<p>Available in 40 different currencies.<\/p>\n\n\n\n<p><strong>Skrill payment methods:&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bank transfer,&nbsp;<\/li>\n\n\n\n<li>Credit card,&nbsp;<\/li>\n\n\n\n<li>Debit card,&nbsp;<\/li>\n\n\n\n<li>Paysafecash,&nbsp;<\/li>\n\n\n\n<li>Sofort, and<\/li>\n\n\n\n<li>Digital eWallet.<\/li>\n<\/ul>\n\n\n\n<p><strong>Skrill transfer limit:<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Minimum: $10 (or the equivalent amount),<\/li>\n\n\n\n<li>Maximum: $10,000 (or the equivalent amount).<\/li>\n<\/ul>\n\n\n\n<p><strong>Skrill pros:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Very easy and intuitive money transfer,<\/li>\n\n\n\n<li>Offers a prepaid card that connects to your Skrill account so that you can withdraw money from an ATM, and<\/li>\n\n\n\n<li>Works across devices \u2014 you can access it through web or mobile apps.<\/li>\n<\/ul>\n\n\n\n<p><strong>Skrill cons:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Many verification demands (submitting a picture, driver\u2019s license, utility bill, and similar).<\/li>\n<\/ul>\n\n\n\n<p><strong>Skrill is the best fit for:<\/strong><\/p>\n\n\n\n<p>Small companies, large enterprises, self use, freelancers, etc.<\/p>\n\n\n\n<p><strong>Skrill pricing:<\/strong><\/p>\n\n\n\n<p>Free for personal use as long as you log in or make a transaction at least every 6 months. If not, \u20ac5.00 (or equivalent) will be deducted monthly from your account.&nbsp;<\/p>\n\n\n\n<p>Completely free for business accounts.<\/p>\n\n\n\n<p><strong>Skrill platforms supported:<\/strong><\/p>\n\n\n\n<p>Web, Mac, Linux, Windows, iOS, Android<\/p>\n\n\n\n<p><strong>What\u2019s new with Skrill<\/strong><\/p>\n\n\n\n<p>As of 2023, Skrill users can place bets on their favorite sports and manage their betting funds. Sports enthusiasts can now use Skrill to bet on football, basketball, baseball, tennis, boxing, motorsport, and eSports.<\/p>\n\n\n\n<h2 id=\"remitly-best-for-expats-sending-money-to-their-home-countries\" class=\"wp-block-heading\"><a href=\"https:\/\/www.remitly.com\/us\/en\/serbia\" target=\"_blank\" rel=\"noreferrer noopener\">Remitly<\/a> \u2014 best for expats sending money to their home countries&nbsp;<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1182\" height=\"736\" src=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Remitly-dashboard.png\" alt=\"Remitly dashboard\" class=\"wp-image-21759\" srcset=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Remitly-dashboard.png 1182w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Remitly-dashboard-300x187.png 300w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Remitly-dashboard-1012x630.png 1012w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Remitly-dashboard-768x478.png 768w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Remitly-dashboard-18x12.png 18w\" sizes=\"auto, (max-width: 1182px) 100vw, 1182px\" \/><\/figure>\n<\/div>\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Remitly is a great payment solution for expats and immigrants who frequently send money back home to their loved ones.&nbsp;<\/p>\n\n\n\n<p>Furthermore, Remitly offers its users to receive money via:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cash pickup,&nbsp;<\/li>\n\n\n\n<li>Bank deposit, and<\/li>\n\n\n\n<li>Debit card deposit.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>As for registration, it\u2019s rather a simple and straightforward process. The homepage is easily navigated and user-friendly.<\/p>\n\n\n\n<p>When you want to send money, all you need to do is click on the Send money tab and choose the country where you want to send money to. After you\u2019ve entered the amount of money you want to send, the app instantly shows you the current exchange rate applied, which I find quite informative.<\/p>\n\n\n\n<p>Up next is where you need to choose how your recipients will receive the money. After you choose your preferred delivery method, you\u2019ll be asked to give the recipient\u2019s phone number so that they get a text message that they received funds. This option is another thing about this app that I find very useful \u2014 as recipients can find out about their upcoming funds on the go.&nbsp;<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1182\" height=\"736\" src=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Remitly-send-money.png\" alt=\"Remitly send money\" class=\"wp-image-21760\" srcset=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Remitly-send-money.png 1182w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Remitly-send-money-300x187.png 300w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Remitly-send-money-1012x630.png 1012w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Remitly-send-money-768x478.png 768w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Remitly-send-money-18x12.png 18w\" sizes=\"auto, (max-width: 1182px) 100vw, 1182px\" \/><figcaption class=\"wp-element-caption\">Sending money using Remitly<\/figcaption><\/figure>\n<\/div>\n\n\n<p>After that, you just need to fill in necessary details about the recipient, and their funds are on the way.<\/p>\n\n\n\n<h3 id=\"key-information-about-remitly\" class=\"wp-block-heading\">Key information about Remitly<\/h3>\n\n\n\n<p>Take a look at the following section to find out everything there is to know about money transfer via Remitly.<\/p>\n\n\n\n<p><strong>Remitly payment processing time<\/strong>:<\/p>\n\n\n\n<p>There is no exact time. The payment processing time depends on the country you are sending money to and your chosen delivery method. The user can see the processing time after they\u2019ve entered the necessary details in the Transfers section.<\/p>\n\n\n\n<p><strong>Remitly fees:<\/strong><\/p>\n\n\n\n<p>Recipients don\u2019t pay any fees, while the sender pays fees after choosing preferable sending options, such as delivery method, recipient\u2019s country, and payment method. The sender is able to see the applicable fees and exchange rate in the Transfer summary later on.&nbsp;<\/p>\n\n\n\n<p><strong>Remitly<\/strong> <strong>country availability:<\/strong>&nbsp;<\/p>\n\n\n\n<p>Remitly allows its users to transfer money to 170+ countries.<\/p>\n\n\n\n<p><strong>Remitly supported currencies:<\/strong><\/p>\n\n\n\n<p>Available in 100+ currencies.<\/p>\n\n\n\n<p><strong>Remitly payment methods:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Credit card, or&nbsp;<\/li>\n\n\n\n<li>Bank account.<\/li>\n<\/ul>\n\n\n\n<p><strong>Remitly transfer limit:<\/strong><\/p>\n\n\n\n<p>The amount of money your recipient can receive depends on the recipient country and delivery location.<\/p>\n\n\n\n<p><strong>Remitly pros:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Very easy and intuitive money transfer,<\/li>\n\n\n\n<li>Offers an affordable exchange rate, and<\/li>\n\n\n\n<li>Recipients can get their money delivered to their doorstep (home delivery).<\/li>\n<\/ul>\n\n\n\n<p><strong>Remitly cons:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Doesn\u2019t offer transparent processing payment time.<\/li>\n<\/ul>\n\n\n\n<p><strong>Remitly is the best fit for:<\/strong><\/p>\n\n\n\n<p>Expats and immigrants sending money to their families globally.<\/p>\n\n\n\n<p><strong>Remitly pricing:<\/strong><\/p>\n\n\n\n<p>Remitly is free to install.<\/p>\n\n\n\n<p><strong>Remitly platforms supported:<\/strong><\/p>\n\n\n\n<p>Web, Mac, Linux, Windows, iOS, Android<\/p>\n\n\n\n<p><strong>What\u2019s new with Remitly&nbsp;<\/strong><\/p>\n\n\n\n<p>In October 2023, Remitly partnered with Mastercard to provide users with wider choices in sending and receiving money.<\/p>\n\n\n\n<h2 id=\"xero-best-for-sending-out-customer-invoices\" class=\"wp-block-heading\"><a href=\"https:\/\/www.xero.com\/us\/\" target=\"_blank\" rel=\"noreferrer noopener\">Xero<\/a> \u2014 best for sending out customer invoices<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1415\" height=\"872\" src=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Xero-dashboard.png\" alt=\"Xero dashboard\" class=\"wp-image-21767\" srcset=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Xero-dashboard.png 1415w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Xero-dashboard-300x185.png 300w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Xero-dashboard-1022x630.png 1022w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Xero-dashboard-768x473.png 768w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Xero-dashboard-18x12.png 18w\" sizes=\"auto, (max-width: 1415px) 100vw, 1415px\" \/><\/figure>\n<\/div>\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Xero is essentially an accounting software, but it also allows you to accept payments indirectly \u2014 by connecting the software with popular payment processors such as PayPal and Stripe.<\/p>\n\n\n\n<p>What I found useful while testing out the app was its invoicing feature. Xero lets you approve or create invoices for your customers, offering you two invoicing options \u2014 classic and new.<\/p>\n\n\n\n<p>If you wish to manually enter all the info, you may choose the <em>Classic invoicing<\/em> feature. Opting for <em>New invoicing<\/em>, on the other hand, will fill out most of the info automatically \u2014 as it represents a simpler and faster invoicing option.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1292\" height=\"797\" src=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Xero-send-invoices.png\" alt=\"Xero send invoices\" class=\"wp-image-21768\" srcset=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Xero-send-invoices.png 1292w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Xero-send-invoices-300x185.png 300w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Xero-send-invoices-1021x630.png 1021w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Xero-send-invoices-768x474.png 768w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Xero-send-invoices-18x12.png 18w\" sizes=\"auto, (max-width: 1292px) 100vw, 1292px\" \/><figcaption class=\"wp-element-caption\">Creating new invoices from scratch in Xero<\/figcaption><\/figure>\n<\/div>\n\n\n<p>I prefer the <em>New invoicing<\/em> option as it speeds up your workflow while generating professional invoices. You may choose the way your customers can pay you, either by credit card, debit card, or ACH debit.&nbsp;<\/p>\n\n\n\n<p>Moreover, Xero lets you save your invoice as a draft so that you don\u2019t lose your work. Then, after you\u2019ve finished filling it out, you click on Approve &amp; email, and the invoice automatically gets delivered to your client\u2019s email address.<\/p>\n\n\n\n<p>You can also attach a file directly from your computer or any other device (laptop, mobile, etc.), add a description line if necessary, add a tax rate, and other information.<\/p>\n\n\n\n<div class=\"wp-block-group pro-tip\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>\ud83d\udca1Clockify Pro Tip<\/strong><\/p>\n\n\n\n<p>Take a look at our carefully selected list of the best invoicing tools that you can use free of charge:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/clockify.me\/blog\/productivity\/free-invoicing-apps\/\" target=\"_blank\" rel=\"noreferrer noopener\">16 Best free invoicing tools<\/a><\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<h3 id=\"key-information-about-xero\" class=\"wp-block-heading\">Key information about Xero<\/h3>\n\n\n\n<p>Take a look at the following section to find out everything there is to know about money transfer via Xero.<\/p>\n\n\n\n<p><strong>Xero payment processing time:<\/strong>&nbsp;<\/p>\n\n\n\n<p>Usually 2\u201310 business days.<\/p>\n\n\n\n<p><strong>Xero fees:<\/strong><\/p>\n\n\n\n<p>Between 2% and 4% of an invoice value.<\/p>\n\n\n\n<p><strong>Xero country availability:<\/strong><\/p>\n\n\n\n<p>Available globally.<\/p>\n\n\n\n<p><strong>Xero supported currencies:<\/strong><\/p>\n\n\n\n<p>Available in 150+ currencies.<\/p>\n\n\n\n<p><strong>Xero payment methods:<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Credit cards,&nbsp;<\/li>\n\n\n\n<li>Debit cards, and<\/li>\n\n\n\n<li>Bank account.<\/li>\n<\/ul>\n\n\n\n<p><strong>Xero transfer limit:<\/strong><\/p>\n\n\n\n<p>Depends on the Xero plan you\u2019re using, but usually up to 2,000 transactions per month.<\/p>\n\n\n\n<p><strong>Xero pros:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Offers creating, editing, and sending invoices on the go, using a mobile app, and<\/li>\n\n\n\n<li>It\u2019s a cloud-based app accessible from any browser or device.<\/li>\n<\/ul>\n\n\n\n<p><strong>Xero cons:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Not as intuitive and easily navigated compared to other apps on the list,<strong> <\/strong>and<\/li>\n\n\n\n<li>Limited number of invoices if you choose the Early plan, which is the most affordable one.<\/li>\n<\/ul>\n\n\n\n<p><strong>Xero is the best fit for:<\/strong><\/p>\n\n\n\n<p>Small businesses.&nbsp;<\/p>\n\n\n\n<p><strong>Xero pricing:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Type of plan and availability<\/strong><\/th><th><strong>Pricing<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Free plan <strong>\u274c<\/strong><\/td><td><strong>\u274c<\/strong><\/td><\/tr><tr><td>Free trial \u2705<\/td><td>30-day trial<\/td><\/tr><tr><td>Cheapest paid plan<\/td><td>$15\/month<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Xero platforms supported:<\/strong><\/p>\n\n\n\n<p>Web, Mac, Linux, Windows, iOS, Android<\/p>\n\n\n\n<p><strong>What\u2019s new with Xero<\/strong><\/p>\n\n\n\n<p>In November 2023, Xero introduced <em>E-invoicing<\/em>, helping users reduce manual data entry and create automated invoices.<\/p>\n\n\n\n<h2 id=\"wise-best-for-avoiding-border-crossing-fees\" class=\"wp-block-heading\"><a href=\"https:\/\/wise.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Wise<\/a> \u2014 best for avoiding border-crossing fees<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1315\" height=\"803\" src=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Wise-dashboard.png\" alt=\"Wise dashboard\" class=\"wp-image-21765\" srcset=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Wise-dashboard.png 1315w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Wise-dashboard-300x183.png 300w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Wise-dashboard-1032x630.png 1032w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Wise-dashboard-768x469.png 768w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Wise-dashboard-18x12.png 18w\" sizes=\"auto, (max-width: 1315px) 100vw, 1315px\" \/><\/figure>\n<\/div>\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Wise is an international transfer service that lets you carry out transactions by matching your transfers and taking a small commission fee. There are no border-crossing fees for international transfers because the money doesn\u2019t travel internationally \u2014 it just travels from one Wise account to another.<\/p>\n\n\n\n<p>Once you\u2019ve registered, you get to see the applicable exchange rate for a current day, along with the option to add people\u2019s account details to start sending money instantly. You\u2019ll see this option in the Recipient tab on the left side of the dashboard.<\/p>\n\n\n\n<p>When you click the Send money button, you can choose between transferring money internationally or using the same currency.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1290\" height=\"734\" src=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Wise-calculator.png\" alt=\"Wise calculator\" class=\"wp-image-21764\" srcset=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Wise-calculator.png 1290w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Wise-calculator-300x171.png 300w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Wise-calculator-1107x630.png 1107w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Wise-calculator-768x437.png 768w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Wise-calculator-18x10.png 18w\" sizes=\"auto, (max-width: 1290px) 100vw, 1290px\" \/><figcaption class=\"wp-element-caption\">Sending money in Wise\n<\/figcaption><\/figure>\n<\/div>\n\n\n<p>Wise uses a calculator that tells you the amount of fees and exchange rate that will apply to your transfer upfront.&nbsp;<\/p>\n\n\n\n<p>The thing I like most about Wise is that the app shows you an estimate of how long it will take to send funds to your recipients and a transparent exchange rate that applies to you at the moment of payment. Just make sure you enter all the information about your transfer first to get an accurate estimate. From then on, the sending process is rather simple and straightforward.<\/p>\n\n\n\n<h3 id=\"key-information-about-wise\" class=\"wp-block-heading\">Key information about Wise<\/h3>\n\n\n\n<p>Take a look at the following section to find out everything there is to know about money transfer via Wise.<\/p>\n\n\n\n<p><strong>Wise payment processing time:<\/strong><\/p>\n\n\n\n<p>Depends on the currencies, countries, amounts, and payment methods involved. It could take a few seconds to 5 business days. For instance, if you choose to pay by card, the transfer happens instantly, while making a Swift payment may take 2 to 5 business days.<\/p>\n\n\n\n<p><strong>Wise fees:<\/strong><\/p>\n\n\n\n<p>Wise has a fixed fee starting from 0.43% of the transferred amount. Additional fees, however, depend on the countries, currencies, and amounts involved. You can calculate your specific Wise fees on their <a href=\"https:\/\/wise.com\/gb\/pricing\/\" target=\"_blank\" rel=\"noreferrer noopener\">Fees and Pricing page<\/a>. Also, keep in mind that if you decide to order a card, you will be charged $9.&nbsp;<\/p>\n\n\n\n<p><strong>Wise country availability:<\/strong><\/p>\n\n\n\n<p>Available in 65 countries around the world.&nbsp;<\/p>\n\n\n\n<p><strong>Wise supported currencies:<\/strong><\/p>\n\n\n\n<p>The thing about Wise is that you cannot send and receive the same currency (the currency exchange process is mandatory), and you can only receive your country\u2019s official currency (for example, you can only receive Canadian Dollars in Canada). For more details, visit the web page concerning <a href=\"https:\/\/wise.com\/help\/articles\/2897238\/which-currencies-can-i-add-keep-and-receive-in-my-wise-account\" target=\"_blank\" rel=\"noreferrer noopener\">Wise currency information<\/a>.<\/p>\n\n\n\n<p><strong>Wise payment methods:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bank transfer,<\/li>\n\n\n\n<li>Debit card,<\/li>\n\n\n\n<li>Credit card (Visa, Mastercard, and some Maestro cards),<\/li>\n\n\n\n<li>PISP (Payment Initiation Service Provider),<\/li>\n\n\n\n<li>SWIFT,<\/li>\n\n\n\n<li>Apple Pay, and<\/li>\n\n\n\n<li>Google Pay.<\/li>\n<\/ul>\n\n\n\n<p><strong>Wise transfer limit:<\/strong><\/p>\n\n\n\n<p>The transfer limit depends on currencies, amounts, and payment methods. In general terms, the limitations are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>ACH transactions<\/strong> \u2014 $15,000\/day,&nbsp;<\/li>\n\n\n\n<li><strong>Debit\/credit card transactions<\/strong> \u2014 $2,000\/day or $8,000\/week, and<\/li>\n\n\n\n<li><strong>Wire transfer<\/strong> \u2014 $1 million.<\/li>\n<\/ul>\n\n\n\n<p><strong>Wise pros:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Uses mid-market or \u201creal\u201d exchange rate,<\/li>\n\n\n\n<li>No fees when sending money in the same currency using Wise-to-Wise transactions, and<\/li>\n\n\n\n<li>User-friendly interface.<\/li>\n<\/ul>\n\n\n\n<p><strong>Wise cons:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No door-to-door cash delivery, and<\/li>\n\n\n\n<li>Offers high transfer fees compared to other apps on the list.&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>Wise is the best fit for:<\/strong><\/p>\n\n\n\n<p>Small businesses and freelancers.&nbsp;<\/p>\n\n\n\n<p><strong>Wise pricing:<\/strong><\/p>\n\n\n\n<p>The app is free to install.<\/p>\n\n\n\n<p><strong>Wise platforms supported:<\/strong><\/p>\n\n\n\n<p>Web, Mac, Linux, Windows, iOS, Android<\/p>\n\n\n\n<p><strong>What\u2019s new with Wise<\/strong><\/p>\n\n\n\n<p>In March 2023, Wise made a huge change to its design \u2014 transforming from its blue color palette to a fresh green look.<\/p>\n\n\n\n<h2 id=\"western-union-best-for-international-transactions\" class=\"wp-block-heading\"><a href=\"https:\/\/www.westernunion.com\/us\/en\/home.html\" target=\"_blank\" rel=\"noreferrer noopener\">Western Union<\/a> \u2014 best for international transactions<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1183\" height=\"908\" src=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Western-Union-dashboard.png\" alt=\"Western Union dashboard\" class=\"wp-image-21763\" srcset=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Western-Union-dashboard.png 1183w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Western-Union-dashboard-300x230.png 300w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Western-Union-dashboard-821x630.png 821w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Western-Union-dashboard-768x589.png 768w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Western-Union-dashboard-16x12.png 16w\" sizes=\"auto, (max-width: 1183px) 100vw, 1183px\" \/><\/figure>\n<\/div>\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Western Union is a money transfer company that offers online payment and on-site payouts in over 500,000 worldwide locations.<\/p>\n\n\n\n<p>What I like about the app is its easy-to-understand interface and a variety of options for receiving and sending funds. If you would like to send money abroad via Western Union, you can:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pay online (using a credit, debit card, or bank account), or<\/li>\n\n\n\n<li>Pay cash in-store (you receive a tracking number called MTCN valid for 24 hours, which enables you to pay in cash at a Western Union agent location).<\/li>\n<\/ul>\n\n\n\n<p>Furthermore, recipients may receive money in the following ways:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cash pickup,<\/li>\n\n\n\n<li>Bank account, or<\/li>\n\n\n\n<li>Mobile wallet.<\/li>\n<\/ul>\n\n\n\n<p>What\u2019s even better, as soon as you pick your preferred payment method, the app transparently shows you the transfer fee, exchange rate, and approximate service time. I think this is highly valuable information since not all money apps show such information as transparently as Western Union.<\/p>\n\n\n\n<p>You may even apply promo\/reward points that you can collect and use to reduce transfer fees on future transfers. For each transfer you make, and with each $1 you get 1 My WU point.<\/p>\n\n\n\n<h3 id=\"key-information-about-western-union\" class=\"wp-block-heading\">Key information about Western Union<\/h3>\n\n\n\n<p>Take a look at the following section to find out everything there is to know about money transfer via Western Union.<\/p>\n\n\n\n<p><strong>Western Union payment processing time:<\/strong><\/p>\n\n\n\n<p>Usually between 0\u20134 business days. The payment processing time depends on the payment method you choose. You can always <a href=\"https:\/\/www.westernunion.com\/web\/global-service\/track-transfer?utm_source=wu.com&amp;utm_campaign=FAQ&amp;utm_content=TaT\" target=\"_blank\" rel=\"noreferrer noopener\">track your transfer<\/a>, whether you\u2019re the sender or the receiver.&nbsp;<\/p>\n\n\n\n<p><strong>Western Union fees:<\/strong><\/p>\n\n\n\n<p>Depending on the countries involved, bank fees, the transaction amount, agent location, and the payment method used. Here is the <a href=\"https:\/\/www.westernunion.com\/us\/en\/send-money\/app\/price-estimator\" target=\"_blank\" rel=\"noreferrer noopener\">Western union fee calculator<\/a> that you\u2019ll find useful when determining a transaction fee.&nbsp;<\/p>\n\n\n\n<p><strong>Western Union country availability<\/strong>:<\/p>\n\n\n\n<p>Available in 200+ countries.<\/p>\n\n\n\n<p><strong>Western Union supported currencies:<\/strong><\/p>\n\n\n\n<p>Available in 30+ currencies.<\/p>\n\n\n\n<p><strong>Western Union payment methods:<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cash pickup,&nbsp;<\/li>\n\n\n\n<li>Bank transfer,&nbsp;<\/li>\n\n\n\n<li>Credit card,&nbsp;<\/li>\n\n\n\n<li>Debit card,&nbsp;<\/li>\n\n\n\n<li>Mobile wallet, and<\/li>\n\n\n\n<li>Pay cash in-store.<\/li>\n<\/ul>\n\n\n\n<p><strong>Western Union transfer limit:<\/strong><\/p>\n\n\n\n<p>Depends on your transaction history, and whether you\u2019re making a domestic or international transfer. If you conduct a payment at an agent station \u2014 there is no limit to how much you can send. However, the amount you can receive is usually limited \u2014 and it depends on the agent\u2019s station location.&nbsp;<\/p>\n\n\n\n<p><strong>Western Union pros:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Very easy to use,<\/li>\n\n\n\n<li>Quick transfers of funds, and<\/li>\n\n\n\n<li>Numerous agent locations across the globe when you select the \u201cPay cash in-store\u201d method.<\/li>\n<\/ul>\n\n\n\n<p><strong>Western Union cons:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fees and rates can be subject to change without any prior notice, as written in their legal disclaimers and important information section.<\/li>\n<\/ul>\n\n\n\n<p><strong>Western Union is the best fit for:<\/strong><\/p>\n\n\n\n<p>Travelers, people who send money to their families abroad, business people making global transactions.&nbsp;<\/p>\n\n\n\n<p><strong>Western Union pricing:<\/strong><\/p>\n\n\n\n<p>The app is free to install.<\/p>\n\n\n\n<p><strong>Western Union platforms supported:<\/strong><\/p>\n\n\n\n<p>Web, Mac, Linux, Windows, iOS, Android<\/p>\n\n\n\n<p><strong>What\u2019s new with Western Union<\/strong><\/p>\n\n\n\n<p>Announced in February 2023, Western Union extended their agreement with <a href=\"https:\/\/www.regions.com\/personal-banking\" target=\"_blank\" rel=\"noreferrer noopener\">Regions Bank<\/a> for 5 more years. This allows consumers to use Western Union\u2019s money transfer and expedited bill pay services at any of <a href=\"https:\/\/www.regions.com\/locator\" target=\"_blank\" rel=\"noreferrer noopener\">Regions Bank\u2019s locations in the US<\/a>.&nbsp;<\/p>\n\n\n\n<h2 id=\"freshbooks-best-for-expense-tracking\" class=\"wp-block-heading\"><a href=\"https:\/\/www.freshbooks.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">FreshBooks<\/a> \u2014 best for expense-tracking<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1498\" height=\"804\" src=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Freshbooks-dashboard.png\" alt=\"Freshbooks dashboard\" class=\"wp-image-21754\" srcset=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Freshbooks-dashboard.png 1498w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Freshbooks-dashboard-300x161.png 300w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Freshbooks-dashboard-1174x630.png 1174w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Freshbooks-dashboard-768x412.png 768w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Freshbooks-dashboard-18x10.png 18w\" sizes=\"auto, (max-width: 1498px) 100vw, 1498px\" \/><\/figure>\n<\/div>\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>FreshBooks is a cloud-based accounting and bookkeeping software. It\u2019s a versatile tool designed for personal use, businesses with employees, freelancers, and contractors.&nbsp;<\/p>\n\n\n\n<p>As soon as you log into the app, you can see a plethora of functionalities, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Invoicing,<\/li>\n\n\n\n<li>Tracking business expenses,&nbsp;<\/li>\n\n\n\n<li>Time tracking,<\/li>\n\n\n\n<li>Payments,<\/li>\n\n\n\n<li>Estimates, etc.<\/li>\n<\/ul>\n\n\n\n<p>If you are interested in improving your cash flow and staying on top of your spendings, then the FreshBooks\u2019 expense tracker can be of service. This all-in-one app allows you to track your spendings, import your expenses from your bank or credit card, or get your expenses ready for tax time.<\/p>\n\n\n\n<p>What I find useful about FreshBooks is that you can create an expense manually or upload receipts, which FreshBooks automatically recognizes and shows you potential matches with existing expense transactions.&nbsp;<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"924\" height=\"734\" src=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Freshbooks-expenses.png\" alt=\"Freshbooks expenses\" class=\"wp-image-21755\" srcset=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Freshbooks-expenses.png 924w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Freshbooks-expenses-300x238.png 300w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Freshbooks-expenses-793x630.png 793w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Freshbooks-expenses-768x610.png 768w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Freshbooks-expenses-15x12.png 15w\" sizes=\"auto, (max-width: 924px) 100vw, 924px\" \/><figcaption class=\"wp-element-caption\">Creating expenses in FreshBooks<\/figcaption><\/figure>\n<\/div>\n\n\n<p>Furthermore, I find creating expenses manually pretty straightforward:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Add an expense to a category,<\/li>\n\n\n\n<li>Assign it to either a client or a project,<\/li>\n\n\n\n<li>Choose a currency,<\/li>\n\n\n\n<li>Apply taxes, and<\/li>\n\n\n\n<li>Click Save.<\/li>\n<\/ul>\n\n\n\n<p>You can also make it recurring, if you want.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-group pro-tip\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>\ud83d\udca1Clockify Pro Tip<\/strong><\/p>\n\n\n\n<p>If you want to learn more about expense tracking and why it is important, read the following blog post on the matter:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/clockify.me\/blog\/managing-tasks\/expense-tracking\/\" target=\"_blank\" rel=\"noreferrer noopener\">How to keep track of expenses<\/a><\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<h3 id=\"key-information-about-freshbooks\" class=\"wp-block-heading\">Key information about FreshBooks<\/h3>\n\n\n\n<p>Take a look at the following section to find out everything there is to know about money transfer via FreshBooks.<\/p>\n\n\n\n<p><strong>FreshBooks payment processing time:<\/strong><\/p>\n\n\n\n<p>Payments take up to 3 business days (for credit cards), or up to 5 business days for bank transfer. Still, first transactions take between 5 to 7 business days to process.&nbsp;<\/p>\n\n\n\n<p><strong>FreshBooks fees:<\/strong><\/p>\n\n\n\n<p>Online payments are done through WePay, Stripe, Barclaycard, and PayPal.<\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong>Online Payments via WePay applicable to Canada and the US<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Payment Card Types<\/strong><\/th><th><strong>Transaction Fee<\/strong><\/th><th><strong>Advanced Payments Fee<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Visa Credit, Debit Cards and Prepaid Cards<\/td><td>2.9% + $0.30<\/td><td>3.5% + $0.30<\/td><\/tr><tr><td>Discover Credit and Prepaid Debit Cards<\/td><td>2.9% + $0.30<\/td><td>3.5% + $0.30<\/td><\/tr><tr><td>MasterCard Credit, Debit and Prepaid Cards<\/td><td>2.9% + $0.30&nbsp;<\/td><td>3.5% + $0.30<\/td><\/tr><tr><td>American Express Credit and Prepaid Debit Cards<\/td><td>3.5% + $0.30&nbsp;<\/td><td>3.5% + $0.30<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>*The Chargeback fee is $15.<\/p>\n\n\n\n<p>The transaction fee for businesses in the US (ACH payment type) is 1%.<\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong>Online Payments via Stripe<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Country\/Region<\/strong><\/th><th><strong>Payment Type<\/strong><\/th><th><strong>Transaction Fee<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Canada<\/td><td>Pre-Authorized Debit (PAD)<\/td><td>1% + $0.40 per transaction&nbsp;<\/td><\/tr><tr><td>Europe<\/td><td>Single Euro Payments Area (SEPA)<\/td><td>1% + \u20ac0.25 per transaction<\/td><\/tr><tr><td>United States (US)<\/td><td>Bank Transfer (ACH)<\/td><td>1%&nbsp;<\/td><\/tr><tr><td>United Kingdom (UK)<\/td><td>Bankers&#8217; Automated Clearing System (BACS)<\/td><td>1% + 20p per transaction&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>*To see transaction fees for other applicable countries, check out the <a href=\"https:\/\/support.freshbooks.com\/hc\/en-us\/articles\/360035569211-What-are-the-transaction-fees-for-Stripe-Standard\" target=\"_blank\" rel=\"noreferrer noopener\">Stripe transaction fees page<\/a>.<\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong>Online Payments via Barclaycard for businesses in the UK only<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Payment method<\/th><th>Fees<\/th><\/tr><\/thead><tbody><tr><td>Consumer cards<\/td><td>1% + 15p per transaction<\/td><\/tr><tr><td>Commercial cards<\/td><td>1.9% + 15p per transaction<\/td><\/tr><tr><td>International cards<\/td><td>2.9% + 10p per transaction&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>*Only applicable to Visa and Mastercard holders.<\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong>Online Payments via PayPal for businesses in Canada and the US<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Country<\/strong><\/th><th><strong>Domestic Fee<\/strong><\/th><th><strong>International Fee<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Canada<\/td><td>2.9% + $0.30<\/td><td>3.7% + $0.30 for USD3.9% + $0.30 for international (outside of Canada and US)<\/td><\/tr><tr><td>United States (US)<\/td><td>3.49% + $0.30 for PayPal accounts2.9% + $0.30 for credit and debit cards<\/td><td>3.7% + $0.30 for CAD3.9% + $0.30 for international (outside of Canada and US)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>*To see the translation fees via PayPal for other applicable countries, visit the <a href=\"https:\/\/support.freshbooks.com\/hc\/en-us\/articles\/4413221003405-What-are-the-transaction-fees-for-PayPal\" target=\"_blank\" rel=\"noreferrer noopener\">PayPal transaction fees website page<\/a>.<\/p>\n\n\n\n<p><strong>FreshBooks country availability:<\/strong><\/p>\n\n\n\n<p>Available in over 160+ countries.&nbsp;<\/p>\n\n\n\n<p><strong>FreshBooks supported currencies:<\/strong><\/p>\n\n\n\n<p>FreshBooks offers a multi-currency option.&nbsp;<\/p>\n\n\n\n<p><strong>FreshBooks payment methods:&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ACH,&nbsp;<\/li>\n\n\n\n<li>Credit cards,&nbsp;<\/li>\n\n\n\n<li>Stripe, and<\/li>\n\n\n\n<li>PayPal.<\/li>\n<\/ul>\n\n\n\n<p><strong>FreshBooks transfer limit:<\/strong><\/p>\n\n\n\n<p>Depending on the plan you choose, you can send invoices to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>5 billable clients,<\/li>\n\n\n\n<li>10 billable clients, or<\/li>\n\n\n\n<li>Unlimited number of billable clients.<\/li>\n<\/ul>\n\n\n\n<p><strong>FreshBooks pros:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Integrates with 100+ apps such as Toggl, Todoist, Calendly, and others,<\/li>\n\n\n\n<li>Creating invoices is fast and easy, and<\/li>\n\n\n\n<li>Offers separate paid plans for freelancers, self-employed, or businesses.<\/li>\n<\/ul>\n\n\n\n<p><strong>FreshBooks cons:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Uses a third-party app to process payments.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>FreshBooks is the best fit for:<\/strong><\/p>\n\n\n\n<p>Freelancers and small businesses.<\/p>\n\n\n\n<p><strong>FreshBooks pricing:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Type of plan and availability<\/strong><\/th><th><strong>Pricing<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Free plan \u274c<\/td><td>\u274c<\/td><\/tr><tr><td>Free trial \u2705<\/td><td>30-day trial<\/td><\/tr><tr><td>Cheapest paid plan<\/td><td>$17\/month<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>FreshBooks platforms supported:<\/strong><\/p>\n\n\n\n<p>Web, Mac, Linux, Windows, iOS, Android<\/p>\n\n\n\n<p><strong>What\u2019s new with FreshBooks<\/strong><\/p>\n\n\n\n<p>As of October 2023, users are now able to see a full breakdown of their income by either transaction type or account on the Profit and Loss report page.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-group pro-tip\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>\ud83d\udca1Clockify Pro Tip<\/strong><\/p>\n\n\n\n<p>Learn about profit and loss statements to find out if your business is doing well (or bad) here:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/clockify.me\/learn\/business-management\/profit-loss-statement\/\" target=\"_blank\" rel=\"noreferrer noopener\">Profit and loss statements explained (+ templates and examples)<\/a><\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<h2 id=\"what-is-the-safest-payment-app\" class=\"wp-block-heading\">What is the safest payment app?<\/h2>\n\n\n\n<p>As you can see, there are many money transfer apps you can choose from. Everybody wants to send and receive money safely and securely.&nbsp;<\/p>\n\n\n\n<p>But, as you probably already know, the web is full of scammers just waiting for an opportunity to commit fraud.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Even though the apps listed in this text all seem safe to use, you must still exercise caution and read your terms and conditions of use written in the agreements carefully. For extra peace of mind, always choose apps that offer an extra<strong> layer of security<\/strong> to secure your online account, such as multi-factor authentication (MFA). Apps that use multi-factor authentication require users to provide extra information when accessing their accounts such as one-time codes sent to their mobile device, biometrics using fingerprints or face recognition, tokens, and similar.<\/p>\n\n\n\n<p>Most of the apps from this list use some type of MFA, such as PayPal\u2019s 2-step verification via text message, Payoneer\u2019s face recognition, and others.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 id=\"how-to-choose-a-money-transfer-app\" class=\"wp-block-heading\">How to choose a money transfer app?&nbsp;<\/h2>\n\n\n\n<p>When it comes to choosing an app to send money, make sure you take into account:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Transaction fees<\/strong> \u2014 how much it charges for each transaction,<\/li>\n\n\n\n<li><strong>Processing time<\/strong> \u2014 how much time it needs to process payments,<\/li>\n\n\n\n<li><strong>Country availability<\/strong> \u2014 whether you can receive\/send payments in your country,<\/li>\n\n\n\n<li><strong>Currency support<\/strong> \u2014 whether you can receive\/send payments in your currency,<\/li>\n\n\n\n<li><strong>Payment methods<\/strong> \u2014 whether it supports your preferred payment methods, and<\/li>\n\n\n\n<li><strong>Transfer limit <\/strong>\u2014 how much money you can receive\/send at once.<\/li>\n<\/ul>\n\n\n\n<p>Typically, the buyer or the client sending the money pays for the payment processor\u2019s services and fees, not the receiver.&nbsp;<\/p>\n\n\n\n<p>But, considering that the buyer or client will likely be looking for the most affordable option, make sure you do consider the transaction fees before suggesting a payment option (a more affordable solution will also increase your chances of getting paid properly).<\/p>\n\n\n\n<h2 id=\"bonus-app-keep-track-of-your-earnings-with-clockify-by-cake-com\" class=\"wp-block-heading\">Bonus app: Keep track of your earnings with Clockify by CAKE.com<\/h2>\n\n\n\n<p>Before you request payment from your client using a money app, you\u2019ll first need to make sure you know exactly how much money you\u2019ve earned. For this purpose, Clockify by <a href=\"https:\/\/cake.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">CAKE.com<\/a> is an effective, time tracking, <a href=\"https:\/\/clockify.me\/time-billing-software\" target=\"_blank\" rel=\"noreferrer noopener\">time billing<\/a>, and invoice-making solution.\u00a0<\/p>\n\n\n\n<p>As a very intuitive and easy-to-use time tracking software, Clockify can be your great ally together with a payment processor of your choice.&nbsp;<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" src=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2022\/12\/Clockify-reports.png\" alt=\"Clockify reports\" class=\"wp-image-21773\"\/><figcaption class=\"wp-element-caption\">Clockify lets you share reports with your clients<\/figcaption><\/figure>\n<\/div>\n\n\n<p>With Clockify, you\u2019ll be able to:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Add your <a href=\"https:\/\/clockify.me\/hourly-rate-calculator\" target=\"_blank\" rel=\"noreferrer noopener\">hourly rates<\/a>,&nbsp;<\/li>\n\n\n\n<li>Track the time you spend on tasks and projects, and&nbsp;<\/li>\n\n\n\n<li>Have your exact earnings calculated automatically in Reports.<\/li>\n<\/ul>\n\n\n\n<p>The procedure is rather simple \u2014 after you\u2019ve set hourly rates, choose whether a time entry is billable or not, mark a task or project you are working on, and select Done.&nbsp;<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"347\" height=\"422\" src=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Clockify-billable-time.png\" alt=\"Clockify billable time\" class=\"wp-image-21774\" srcset=\"https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Clockify-billable-time.png 347w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Clockify-billable-time-247x300.png 247w, https:\/\/clockify.me\/blog\/wp-content\/uploads\/2023\/12\/Clockify-billable-time-10x12.png 10w\" sizes=\"auto, (max-width: 347px) 100vw, 347px\" \/><figcaption class=\"wp-element-caption\">Track your work hours and mark them as billable or non-billable<\/figcaption><\/figure>\n<\/div>\n\n\n<p>Later on, you\u2019ll be able to save these time entries in Reports as links and send them out to your clients, so they can track your project progress in real time, as well as the amount of money they\u2019re due so far.<\/p>\n\n\n\n<p>What makes my life easier is the ability to generate custom invoices for my clients based on my tracked time. What\u2019s more, I find the option to mark entries as \u2018invoiced\u2019 particularly useful, as it happened to me in the past that I double billed my clients on a few occasions.<\/p>\n\n\n\n<div class=\"wp-block-group pro-tip\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>\ud83d\udca1Clockify Pro Tip<\/strong><\/p>\n\n\n\n<p>Tired of creating invoices from scratch? Make use of the Clockify\u2019s ready-made invoice templates for freelancers here:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/clockify.me\/invoice-templates\" target=\"_blank\" rel=\"noreferrer noopener\">Free Invoice Templates for Freelancers<\/a><\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p><strong>Clockify country availability:<\/strong><\/p>\n\n\n\n<p>Download and use Clockify wherever you are.<\/p>\n\n\n\n<p><strong>Clockify<\/strong> <strong>supported currencies:<\/strong><\/p>\n\n\n\n<p>Admin roles in Clockify by CAKE.com can define multiple currencies on their employee workspaces as well as assign a currency of choice to a client. This way, you define which <a href=\"https:\/\/clockify.me\/help\/track-time-and-expenses\/multiple-currencies#assign-currency-to-client\" target=\"_blank\" rel=\"noreferrer noopener\">currency<\/a> will appear in the billable and cost amounts in reports.\u00a0<\/p>\n\n\n\n<p><strong>Clockify pros:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Offers ready-made invoicing templates as well as the option to create custom invoices from scratch,<\/li>\n\n\n\n<li>Can be paired up with other <a href=\"https:\/\/cake.com\/bundle\" target=\"_blank\" rel=\"noreferrer noopener\">productivity tools<\/a>, and<\/li>\n\n\n\n<li>Offers different ways of tracking time, either via tracker or timesheets.<\/li>\n<\/ul>\n\n\n\n<p><strong>Clockify cons:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lacks a payment processing system.<\/li>\n<\/ul>\n\n\n\n<p><strong>Clockify is the best fit for:<\/strong>&nbsp;<\/p>\n\n\n\n<p>Freelancers, businesses of any size.<\/p>\n\n\n\n<p><strong>Clockify pricing:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Type of plan and availability<\/strong><\/th><th><strong><strong>Pricing<\/strong><\/strong><\/th><\/tr><\/thead><tbody><tr><td>Free plan <strong>\u274c<\/strong><\/td><td><strong>\u274c<\/strong><\/td><\/tr><tr><td>Free trial \u2705<\/td><td>7-day trial for all PRO features, no credit card required<\/td><\/tr><tr><td>Cheapest paid plan<\/td><td>$3.99\/month\/user (if billed annually)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Clockify platforms supported:<\/strong><\/p>\n\n\n\n<p>Web, Mac, Linux, Windows, iOS, Android<\/p>\n\n\n\n<p><strong>What\u2019s new with Clockify<\/strong><\/p>\n\n\n\n<p>Some of the news and updates about Clockify in the last few months of 2023 include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>December 2023<\/strong> \u2014 UX improvements (no more \u201cLoad more\u201d button to load projects and tags),<\/li>\n\n\n\n<li><strong>November 2023<\/strong> \u2014 Forecasting (chart data has been updated based on project estimate reset), and others, and<\/li>\n\n\n\n<li><strong>October 2023<\/strong> \u2014 ClickUp integration updates (users can now track time using a timer that is added to the task list view on ClickUp v3.0).<\/li>\n<\/ul>\n\n\n\n\n<div class=\"banner banner-dark clockify-gradient-landing-4\">\n    <div class=\"banner-text lg:pr-[6rem]\">\n        <span class=\"h4 text-lg translation-block mb-0\">Free time tracker<\/span>\n        <p class=\"translation-block mt-1 mb-3\">Time tracking software used by millions. Clockify by CAKE.com is a time tracker and timesheet app that lets you track work hours across projects.<\/p>\n\n        <div class=\"banner-buttons d-flex gap-4 align-items-center translation-block justify-content-center justify-content-sm-start\">\n            <a class=\"bg-white rounded px-3 py-1 text-gray-dark\" href=\"https:\/\/app.clockify.me\/en\/signup\" target=\"_blank\">Sign up<\/a>\n\n                            <a class=\"button-2\" href=\"https:\/\/clockify.me\/apps\" target=\"_blank\">Learn more<\/a>\n                    <\/div>\n    <\/div>\n\n    <div class=\"banner-image banner-image-middle \">\n        <picture>\n            <source srcset=\"https:\/\/clockify.me\/blog\/wp-content\/themes\/cake-blog\/theme\/images\/banners\/clockify\/landing-4@2x.png 2x\" alt=\"Illustration\"  media=\"(min-width: 1022px)\" \/>\n            <img decoding=\"async\" src=\"https:\/\/clockify.me\/blog\/wp-content\/themes\/cake-blog\/theme\/images\/banners\/clockify\/landing-4.png\"  alt=\"Illustration\" \/>\n        <\/picture>\n    <\/div>\n<\/div>\n    \n\n\n\n<h2 id=\"the-best-payment-apps-speed-up-your-money-transfers\" class=\"wp-block-heading\">The best payment apps speed up your money transfers<\/h2>\n\n\n\n<p>Electronic payments have become a go-to solution for millions of people around the world whenever they want a quick, safe way to pay for nearly anything.&nbsp;<\/p>\n\n\n\n<p>The best money transfer apps should consider aspects like cost, transfer speed, and international presence. We did our best to carefully test and describe the features of some of the most popular payment apps and provided links to the websites of the corresponding apps so that you may learn more about them. We hope you\u2019ll find the information provided useful when searching for the best money transfer app that suits your needs.<\/p>\n\n\n\n<p><em>No matter which payment method you opt for, don\u2019t forget to record your work hours, send timesheets, or invoice your customers. <\/em><\/p>\n\n\n\n<p class=\"custom-btn\"><a href=\"https:\/\/app.clockify.me\/en\/signup\" target=\"_blank\" rel=\"noreferrer noopener\">Get started with Clockify<\/a><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Find out about the most popular, reliable, and easy-to-use payment software currently available.<\/p>\n","protected":false},"author":32,"featured_media":16419,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[11],"tags":[],"class_list":["post-3000","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-apps-tools"],"acf":[],"_links":{"self":[{"href":"https:\/\/clockify.me\/blog\/wp-json\/wp\/v2\/posts\/3000","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/clockify.me\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/clockify.me\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/clockify.me\/blog\/wp-json\/wp\/v2\/users\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/clockify.me\/blog\/wp-json\/wp\/v2\/comments?post=3000"}],"version-history":[{"count":65,"href":"https:\/\/clockify.me\/blog\/wp-json\/wp\/v2\/posts\/3000\/revisions"}],"predecessor-version":[{"id":36470,"href":"https:\/\/clockify.me\/blog\/wp-json\/wp\/v2\/posts\/3000\/revisions\/36470"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/clockify.me\/blog\/wp-json\/wp\/v2\/media\/16419"}],"wp:attachment":[{"href":"https:\/\/clockify.me\/blog\/wp-json\/wp\/v2\/media?parent=3000"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/clockify.me\/blog\/wp-json\/wp\/v2\/categories?post=3000"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/clockify.me\/blog\/wp-json\/wp\/v2\/tags?post=3000"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}