Money leaving your bank does not, by itself, establish that a supplier has been paid. In an OFX workflow, funding the account, converting currency, authorizing a payment, and delivering funds can be separate events. Organizing those stages makes both planning and troubleshooting more precise.

OFX’s Global Business Account page describes USD funding through ACH, Fedwire, direct debit, and SWIFT. The route available and appropriate for your transaction should be confirmed using the instructions in your account. OFX account-funding options

Begin with the payment that needs to happen

Identify the recipient, currency, amount, and required arrival before choosing how to move money into OFX. Otherwise, it is possible to fund a balance successfully while leaving the actual supplier payment unprepared.

For example, a business may move dollars into the account to cover a euro invoice. That incoming movement does not resolve the conversion, recipient instructions, or approval of the invoice. Each needs to be connected to the obligation.

Use a short record that distinguishes:

  • Funding requested or initiated.
  • Funds available in the relevant account.
  • Currency conversion completed, if required.
  • Recipient payment authorized.
  • Delivery confirmed.

These are practical milestones for your records, not a list of exact interface labels.

Use the funding instructions for your account

Check the receiving details, currency, and reference associated with the funding route you choose. Preserve the instructions you used and the sending bank’s confirmation.

Do not assume that a familiar account number from an earlier product, entity, or transaction remains suitable. If the instructions have changed, verify them through OFX’s genuine service before making the payment.

When another employee prepares the bank transfer, make sure that person receives the complete instructions. A reference omitted during handoff can make the later investigation harder even when the amount and destination appear correct.

Read timing statements from the correct starting point

OFX’s U.S. funding FAQ says domestic wires and ACH credits are typically received within the same business day. It describes different receipt expectations for ACH debit and distinguishes personal clients from business transfers after the first deal. These statements concern money reaching OFX; they are not universal promises about arrival in the final recipient’s account. OFX’s U.S. bank-funding FAQ

Ask which stage an estimate describes. “Received today” may refer to funding, while your supplier cares about when the payment is usable in its bank account.

For a first payment or a fixed deadline, confirm the end-to-end expectation instead of adding together informal estimates from unrelated pages. Banking cutoffs and account-specific requirements should be resolved through the institutions handling the transaction.

Funding authorization and expense approval answer different questions

A person permitted to add funds is not necessarily the person who should approve every expense. Decide how your company separates those responsibilities.

A finance manager might ensure that sufficient money is available, while a department manager confirms that a supplier delivered the agreed work. The payment process needs both facts: available funds and an authorized obligation.

Our accounts-payable guide explains how to define that approval. Our business-fee guide explains how funding and payment choices affect the complete cost.

Investigate the stage that remains unresolved

If your bank shows a completed outgoing transaction but OFX does not show the expected available balance, organize the funding reference, amount, currency, date, and receiving instructions. Ask OFX what it needs to locate that incoming movement.

If OFX shows the balance but no supplier payment, investigate the payment instruction and approval. If a payment is shown as sent but the supplier cannot identify it, collect the payment reference and the supplier’s precise observation.

These situations should not all be described as “the transfer is missing.” The clearer description directs attention to the relevant event and reduces the chance of creating a duplicate payment.

Contact OFX’s official business support with the relevant records. Keep account details and transaction documents out of public comments or messages to this publication.