Well from my experience. If you are wiring money to a US bank. And the account is under a Business name. You should be ok.
Now if your wireing money to a US business using a company name then they have to be registered as a Business in the county they do business in. For instance
My companys name is :Products Plus Wholesale Distribution.
Im registered in Macon County as ' Products Plus Wholesale Distribution'
In the City Of Decatur Illinois.
My bank Account is under 'Products Plus Wholesale Distribution'
You can verify my company identity by contacting the County Clerks Office and asking about 'Products Plus Wholesale Distribution'
They can verify the Name And the Location Of the Business
The bank Requires My registration for my company to open a Bank Account.
I had to Publish my name and my company in the Local Herald & Review for 3 weeks before I could Establish and Publish the Name 'Products Plus Wholesale Distribution'.
And have it registered as an entity..
And Of course my companies Website Is Link hidden: Login to view
With all of this information I prove myself to be a legitimate Buisness that operates From Decatur Illinois, Macon County, Under the name ProductsPlus Wholesale Distribution.
If your seller is legit they will provide information so you can verify thier business. If they cannot provide this information Dont send them a DIME.
My company takes credit cards for small orders of sample boxes and pallets . But if you want to order a truckload from me I require payment by bank transfer. The majority of US businesses will only use bank transfer for large orders. Due to the fact that they have to pay the credit card companies a fee to process that money. And there is risk of credit fraud. The company ships the product and the buyer files a chargeback and basically keeps the goods.
The company can file fraud charges against the buyer but that takes forever and can cost the company money. Either way the company looses