Payroll that crosses borders without the bank drama

Nómina internacional

Dale a un contractor remoto datos de ACH de EE.UU., baja la fricción transfronteriza y liquida en stablecoin cuando el dólar tiene que viajar.

US ACH-friendly details for global contractors and remote hires
Familiar payday flow for US payroll and AP teams
Fewer stacked wire fees and FX surprises
Optional stablecoin settlement for portable dollar value

Cómo ayuda SwiftFi

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

Path through this guide

01Problem
02Contractor setup
03Pay on ACH
04They settle

01 · Problem

International payroll breaks on the last mile

Domestic US payroll is boring in a good way: ACH runs, money lands, people get paid. Cross-border work reintroduces wires, intermediary banks, and FX markups, exactly when you need predictable payday.

Wire maze

Every contractor in a different country means a different wire path, fee stack, and timeline.

Payday drift

Multi-day settlement turns predictable payroll into “maybe Friday” for remote hires.

FX on receipt

Recipients often lose margin the moment funds hit a local bank, before they choose to convert.

Ops overhead

AP teams chase routing numbers, intermediary SWIFT codes, and one-off payment exceptions.

02 · Contractor setup

Each contractor brings their own US ACH details

Eligible recipients open SwiftFi once, share checking-style details with HR, and join the same direct-deposit flow your US team already uses.

Open and verify SwiftFi

Each contractor creates an account, completes verification, and receives US checking-style details.

One setup per person. No US residency required for eligible recipients.

Share ACH details with HR

Account and routing numbers go into the payroll portal or contractor payment system, same as a domestic hire.

Standard direct-deposit fields. No crypto vocabulary for the payer.

Confirm the first deposit

Run a small test payment or verify the first payday deposit lands before scaling the roster.

Clean records from day one help contractors reconcile with local tax advisors.

03 · Pay on ACH

Agencies and employers keep the familiar payday flow

You do not need a full employer-of-record stack just to move dollars. If your gap is banking friction, not employment law, ACH plus clear contractor instructions may be enough.

Payroll layerLegacy wire pathSwiftFi ACH path

Payment instructionSWIFT + local bank per countryUS account + routing per contractor

Payer workflowWire exceptions every paydayACH like domestic direct deposit

Recipient wait2–5+ days after sendSame business day ACH, then they choose settlement

Cost predictabilityStacked wire + FX feesClear platform fee, optional stablecoin off-ramp

Use the same ACH batch your US payroll already runs
Collect one set of payment instructions per contractor from SwiftFi
Document each payout for AP and contractor reconciliation
Skip rebuilding every payment as an international wire

04 · They settle

Contractors choose what happens after payday

ACH lands in SwiftFi. From there, recipients hold USD-friendly balance or settle to stablecoin when portable dollar value matters, without asking HR to learn crypto.

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

Hold USD value

Contractors keep dollar-denominated balance until they need local cash, instead of forced conversion at receipt.

Settle to stablecoin

When portable USD matters, eligible recipients move to USDC or USDT on their timeline, not the bank’s.

Lightweight for operators

You keep contracts and compliance with your advisors. SwiftFi handles the payment layer where ACH details reduce friction.

Same payday rhythm

Remote contractors get paid on the same schedule as US teammates, then manage funds in one portal.

Preguntas frecuentes

How does SwiftFi help international payroll?+

Contractors open conversion accounts with US ACH details. You pay on familiar domestic rails; they receive dollar value with clearer settlement than stacked wires.

Is SwiftFi a full EOR or payroll platform?+

SwiftFi focuses on payment infrastructure—US details, tracking, and stablecoin settlement—not employment-of-record compliance. Pair it with your HR and tax advisors.

Can contractors choose stablecoin or local off-ramp?+

Yes. After ACH lands, each contractor can hold stablecoin or off-ramp based on preference and local needs.

Guías relacionadas

Configura la nómina con SwiftFi

Aprueba la cuenta, agrega los números de cuenta y de ruta en el sistema de RR. HH. y cobra en tu wallet el día de pago.

Datos de ACH para depósito directo

Datos de cuenta corriente de EE.UU. para ACH y nómina. Cobra en USD sin residencia en EE.UU. para aplicar.

Pagar freelancers en USD

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

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.