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Affiliate Payouts & Wallets · Editorial review

ePayService review: a Maltese wallet for webmaster payouts

epayservices.com

ePayService is an e-wallet licensed in Malta that gives webmasters a free European IBAN and a free US bank account to collect ad network and affiliate earnings. Affiliate networks pay partners through it.

Personal IBANUS bank accountMastercard debit cardAffiliate payouts

Our verdict on ePayService

ePayService suits a non-US webmaster paid by US ad networks and affiliate programs: earnings arrive by ACH into a free personal US account, then leave through a free IBAN or a Mastercard debit card.

Other routes are costly, such as 3% plus $50 for an incoming international wire.

ePayService home page, an e-wallet for webmasters and freelancers
ePayService

The free ePayService US account

ePayService opens a free personal US bank account that receives and sends ACH and domestic wires at no charge, aimed at webmasters paid by US networks and programs. The personal IBAN sends and receives SEPA for free. A home page testimonial mentions an AdSense check and a TradeDoubler wire.

Opening takes four steps: registration, wallet activation, sharing your wallet details with the payer, then withdrawing with the card.

ePayService for affiliate networks

An affiliate network pays partners instantly in USD or EUR from one ePayService wallet to another. It can also send money to bank accounts or to cards from other banks, and have Mastercards issued to partners with its own logo. Virtual cards pay for traffic and campaigns.

ePayService fees

Beyond the free accounts, every route has a price. An ACH deposit to the wallet costs 2% plus $20, a US domestic wire 0.8% plus $30. An incoming international wire costs 3% plus $50, an outgoing one 1% plus €40.

A SEPA deposit to the wallet costs 1%, €25 minimum, and SEPA to your own bank €30. Sending to a Mastercard or Visa card costs 3.5% plus 6, a local transfer 1% plus 15, capped at 300. Crypto deposits are converted to USD for 2%.

The ePayService Mastercard

The EUR Mastercard debit card is free to issue, then costs €1.99 a month. An ATM withdrawal costs €2.50, FX 1.99%, and the balance is capped at €5,000. The virtual card is free, with up to three active cards.

Who runs ePayService

ePayService is the trading name of MTACC Limited, authorised and regulated by the Malta Financial Services Authority to issue e-money and provide payment services. MTACC also issues the card under license from Mastercard. The site’s copyright runs from 2007.

Strengths and limitations of ePayService

Strengths

  • Free personal US account.
  • Free IBAN in and out.
  • Licensed in Malta.
  • Instant wallet-to-wallet transfers.

Limitations

  • Costly international wires.
  • Escorts and sex clubs banned.
  • Card balance capped at €5,000.

ePayService vs Paxum and Yoursafe

Paxum, an offshore bank in Dominica, refuses cryptocurrency, which ePayService converts to dollars. Yoursafe, a licensed Dutch institution, charges €0.75 for outgoing SEPA. A webmaster paid by US programs looks at ePayService for its free US account.

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