@Jay, I’ve used ADC for about 9 years for other meds and have paid by echeck and never had one problem.
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I will throw my hat in the support of ADC. I usually buy my dermatologics from them; Tretinoin, Hydroquinone. Recently purchased some Doxycycline and Acarbose without issue and MUCH cheaper than my insurance and without having to fight my prescriber on ‘why’.
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I do ACH transfers with Niba through a third party. It works.
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You give them the ABA number for your bank, and your account number. I used an account that had only small balances in the beginning as doing this made me a bit nervous. They draft what they call an e-check for the amount due. It is very easy and so far safe. they mostly communicate via email, but they have a representative in the US you can call with questions. I have had 4 shipments with meds (other than rapamycin) that arrived no problems. Shipments don’t have identifiers on them. I have not ordered the rap from them as I am searching for a less expensive source.
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SorryJay, yes,
regular checking account from a bank.
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Has anyone used Wise.com recently to transfer money to Kachhela Medex? I use Wise for my business as well and don’t want to take the risk of having my account closed.
I have had several transactions denied by Wise, but unlike some other services, they never threaten to or close my account. I just completed a transaction with Jagdish Nikose of R L Pharma for some more rapamycin. They questioned who I was sending to at R L Pharma and I just gave them Nikose’s name and the transaction went through.
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Thanks so much! This is very helpful!
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Used Wise to Pay Kachhela Medex over 24 hours ago and so far the transaction is proceeding normally. Wise said they’ll have my payment in their account by Monday at the latest. 
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I selected “Goods or Services” from their drop-down and gave no additional information.
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I have often wanted to use that ach but have never found vendors to accept that method.If they don’t take credit card then they will often take like a whatever u call it like taking a check out of your account but u don’t actually write a check but they are able to debit your account such as the irs can do. i used that Wise service a couple of years or so ago to buy botox as that was the only way the vendor who clearly had the best deal would accept. I just used it like on the fly without having to start an account i thought anyway or maybe i did have to open one not sure but it was the biggest pain in the ass i have ever had to put up with. Since then i have gotten emails that they are changing their policy or something which i was not interested in reading but i am afraid i am/will have to use them again for another purchase of same. I asked the vendor why she insists on having to do it that way as i would prefer for example to wire money into an account but no she would not do that nor anything else within reason.
Brimstone, can I ask what Pharma and what method worked. I’ve tried two vendors now and no luck with ACH or Swift transfers.
Sure! I use Kachhela Medex Private Limited in IndiaMart. They have outstanding customer service and, in my experience, the quickest turnaround time from order to arrival. The company that makes their Rapa is Biocon, which is, in my opinion, a reliable company. For payment I use Revolut. To be clear, Kachhela does not have a Revolut account, but you can enter their name and address as a recipient and the transfer goes through. I avoid ACH because my wife, who has been in charge of ACH transactions for banks for 20+ years, says that overseas transactions can be compromised. Put something other than medicine as a reason for the transfer for Revolut.
ACH is directly bank account to bank account. Wise uses ACH to get the money from my account to convert to INR so if a vendor does not want to, or cannot accept dollars into their account, then of course they will not accept a direct ACH transfer. ACH to my knowledge only transfers the currency of the sender’s account.
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Topic: REVOLUT
I have not used a money transfer account other than my bank account and a Bitcoin account for over a year now, but I have a Revolut account. When checking the process for transferring funds for an Indian Purchase I get the question “Reason for Payment.” Well, I’m thinking that the logical choice is “Payment for goods.” But, when I select that choice I get another question that requires an Invoice Number. Now, the last time I answered questions like this was with Wise and Xe, both of which promptly closed my accounts without much explanation after I provided the Invoice Number. I seem to recall Wise wanting details about the Invoice Number before they closed my account. So, If you’re a Revolut user tell me your process for completing a transaction for a purchase from India that is successful without encountering prying questions from Revolut, which may result in an account closure.
I’ll use Revolut again next time I place an order (which I need to do in the next couple of weeks) and I can let you know if it asks for an invoice number and what happens.
I think in the past I may have described purchases as health services… To avoid this issue mentioned above, regarding “payments for goods”.
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I don’t know if other fintech companies have this option, but one way you can avoid this with wise.com is something that one of the vendors does in my case. One of my suppliers simply provides a wise.com link, I click on it, it takes me directly to wise.com, I log into my account, and approve the payment - no forms need to be filled, no adding of transaction fees, it’s all automatic. Couldn’t be simpler. However for this to work, you need to have money in your wise.com account. So the way it works, is that the vendor gives me the cost, like $450 (I just did this a couple of days ago), I log into my wise.com account and transfer the $450 plus the automatically added transaction fee of 76 cents (depending on the amount being transferred) from my bank account to my wise.com account. I now have $450 in my wise.com account. Now I can use the vendor supplied link to pay him directly from wise.com. Done.
This is different from how I pay Jagdish. Jagdish puts out a sales bill with an invoice number. I go to wise.com and there I have to go through the forms where they ask for “what”, I pick “goods and services”, they ask for invoice number, I give them the one Jagdish supplied, and it goes through my bank. A lot more hoops to jump through.
The difference is that in one case I use wise.com to pay through my bank - this is where all the forms are involved (Jagdish). In the other, I first transfer the money from my bank (using wise.com) into my wise.com account, and then just click on the link supplied by the vendor, and it takes me to my wise.com account where it validates it’s me (my password), and it’s a one step transaction from there, as I’m now paying from my wise.com account, not my bank account.
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Here in Hong Kong, we use WeChat. They don’t even ask you what the money is for and you can pay literally anyone. Beggars in the streets have WeChat QRcodes so you can transfer money to them.
I use WeChat to pay Maulik. Not sure if Jagdish uses it.