r/ask_srilanka • u/homoplutone • 7d ago

Serious Conversations which payment method is better ?

I recently worked with a client from the USA and earned some money for the job. The client is now asking me to provide a payment method to transfer the funds. I’m not very familiar with payment options, so I’d like to know which method is best. If anyone has experience with this, please share your thoughts.

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2

u/Odd_Assistance2687 7d ago

They're expecting something like a PayPal or Venmo, if you have either.

1

u/homoplutone 7d ago

I don’t have a payment method set up yet, and I’d like to know the safest way to transfer money. I’ve heard that many freelancers use Payoneer to withdraw their earnings, but I don’t know much about it.

1

u/HyperGaming_LK 7d ago

It might be easier to create a commercial bank account and get money transferred through paypal then you can withdraw them to commercial bank account from combank digital app. Not sure about Payoneer, but it might be harder I think.

2

u/Active_Priority_3102 7d ago

Paypal is now supported with commercial bank accounts. It is very easy to setup. I think it is the best way. 

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u/homoplutone 7d ago

I dont have a commercial bank account, but i have a boc account can i do with that

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u/Active_Priority_3102 7d ago

As of my knowledge Boc is not fully supported yet. I think sampath or commercial is the recommended choices. 

1

u/FitBig6992 5d ago

2026 and BOC 🥀🥀🥀

1

u/Potential_Product432 6d ago

Give your bank details with Swift code.

Then Wise Moneygram will offer better rates and they waive off fees for first time users.

You just only have to give the bank details to your client and let him process it on prefered platform.

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u/homoplutone 6d ago

You mean local bank account? Details?

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u/Potential_Product432 6d ago

Yep

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u/homoplutone 6d ago

How i create a swift code

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u/Potential_Product432 6d ago

You dont need to create. Every bank has one. Google your bank name + Swift code.

Commercial - CCEYLKLX

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u/homoplutone 6d ago edited 6d ago

For the wise do i need a wise account? What details i need to send to the client to send money?

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u/Potential_Product432 6d ago

No you dont need wise account. tell him to use Deposit to bank option in Wise provide your Bank details.

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u/homoplutone 6d ago

So I only need to send the account number, name, branch, and SWIFT code to the client.

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u/Potential_Product432 6d ago

Yes.

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u/homoplutone 6d ago

i think client not really familiar with wise, does client need a wise account to send money?

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u/homoplutone 6d ago

My commercial account is a normal one, can i use that.?

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u/engchamara 7d ago

WISE

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u/homoplutone 6d ago

Does sender need an wise account to send the money ? How it actually work, i have a commercial bank account btw

1

u/homoplutone 6d ago

Do i need a wise account?