SwiftFi
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Built for independent work

Pagos para freelancers

Cobra más rápido, evita comisiones escondidas y simplifica la factura cuando trabajas con clientes internacionales.

  • Invoice in USD for US clients
  • Track payment status in one place
  • Reduce fee stacking and FX surprises
  • Access earnings faster to stabilize cash flow

Cómo ayuda SwiftFi

Cuenta de conversión → ACH de todos los días → tú eliges

Path through this guide

  1. 01Cash flow
  2. 02Invoice USD
  3. 03Receive ACH
  4. 04Keep more

01 · Cash flow

Freelancers run on predictable payouts

When payments arrive late or with surprise fees, freelancers pay the price. A good setup is less about novelty and more about reliability: clear timing, transparent costs, and simple reconciliation.

01

Milestone-to-milestone

One delayed payout can force bill juggling, subcontractor delays, or paused growth.

02

Opaque status

“Payment sent” from a client does not mean usable funds, especially across borders.

03

Fee stacking

Wire fees, intermediary cuts, and FX markups eat margin you already earned.

04

Admin drag

Chasing confirmations and reconciling scattered statements steals billable hours.

02 · Invoice USD

USD is the default for global client work

For cross-border freelancers, invoicing in USD reduces pricing friction and avoids renegotiations caused by exchange rate swings. The challenge is receiving those dollars smoothly as a non-US resident.

Price in USD for US clients

Dollar invoicing matches how US companies budget and reduces renegotiation from FX swings.

One template, every project

Consistent line items, payment terms, and bank details cut back-and-forth before money moves.

Build visible costs in

Clients accept clear fees more easily than surprise deductions after “payment sent.”

03 · Receive ACH

Get paid like a local, from anywhere

A conversion account gives US clients bank details they already understand. You receive ACH without expensive wire workflows or complex banking arrangements.

01

Open a conversion account

SwiftFi gives you US-friendly account and routing numbers without US residency.

02

Share details on every invoice

Clients pay with everyday ACH from their bank or accounting platform, no wire exceptions.

03

Track deposits in one ledger

See when funds arrive, match them to invoices, and export records for your tax advisor.

04 · Keep more

Stop losing margin after the invoice is paid

Receive USD first, then choose when conversion happens. Settle to stablecoin for faster international usability, or off-ramp when you need local cash.

SwiftFi pricing: 3% total fee, 0% currency conversion fee, same business day wallet availability when you settle to stablecoin.

LayerOld pathUSD + ACH path
Receipt currencyForced local conversionUSD first, convert when you choose
Client payment methodExpensive international wireDomestic-style ACH
Time to usable funds2–5+ business daysSame business day options
Fee visibilityHidden FX in the rateClear platform fee, 0% conversion fee
  • Receive USD before converting to local currency
  • Hold stablecoin when portable dollar value fits your timeline
  • Use one portal for status, statements, and settlement choices
  • Pair USD invoicing with location guides for country-specific tips

For agencies: Predictable USD payouts to contractors without rebuilding every payment as a wire.

For freelancers: Invoice in USD, receive with everyday ACH, keep more of each milestone.

Preguntas frecuentes

How can freelancers get paid faster from US clients?+

Use a conversion account so clients pay by everyday ACH instead of international wires. Settlement can reach your wallet the same business day when you hold stablecoin.

What fees should freelancers watch for?+

Look past the headline fee. FX markups, intermediary banks, and incoming wire charges often cost more than the listed transfer fee.

Can I invoice in USD without a US bank account?+

Yes. SwiftFi conversion accounts give you US routing and account details without US residency, so clients can pay in USD the way they already know.

Guías relacionadas

Pagar freelancers en USD

Cobrar en USD reduce las conversiones forzadas. Factura en dólares, usa una cuenta virtual y liquida con rieles modernos.

Cuentas de conversión

Datos bancarios de EE.UU. para que el cliente pague por ACH. Después conservas stablecoin o conviertes a moneda local.

Pagos sin fronteras

Abre una cuenta de conversión con datos de ACH de EE.UU. y liquida el cobro transfronterizo en stablecoin, más rápido y con menos comisiones.

Siguiente paso

Abre una cuenta de conversión y cobra como siempre

Clientes y empleadores siguen con ACH. Tú recibes datos de EE.UU., un seguimiento claro y una elección cuando llega el dinero: conservar stablecoin o convertir a moneda local.

Pagos para freelancers