Every dollar counts
Pagos internacionales con baja comisión
La comisión del titular no es todo. El recargo de tipo de cambio suele costar más. Aprende a comparar y quedarte con más.
- Compare total cost: fees + FX spread + time
- Spot intermediary banks that quietly stack charges
- Receive USD first, then convert on your timeline
- Price invoices with predictable, visible costs
Cómo ayuda SwiftFi
Cuenta de conversión → ACH de todos los días → tú eliges
Path through this guide
- 01Hidden costs
- 02True total
- 03Cut the stack
- 04Act on it
01 · Hidden costs
“Low fee” is not the same as low cost
Headline fees are easy to advertise. The money you lose usually sits in the exchange rate and the banks between you and your client. Until you measure what actually lands, you are negotiating blind.
Outgoing fee
What the client’s bank or platform charges to send.
Intermediary hops
Correspondent banks skim a little on each handoff.
Incoming fee
Your bank charges to receive a foreign wire.
FX markup
The quiet one: a worse rate than mid-market, often larger than the fee line.
02 · True total
Compare what lands, not what was advertised
Run the same invoice through two rails and write down the arrival amount. The gap is your real fee, even when nobody labeled it that way.
- Same invoice amount, same send currency, same day
- Ask what lands in your account after every fee and conversion
- Note the mid-market rate at send time vs what you received
- Include wait time: a “cheap” wire that takes 5 days still costs you
03 · Cut the stack
Keep more without trading away reliability
The durable move is not chasing the cheapest advertised fee. It is shortening the path from US client to usable funds, then choosing when conversion happens.
Receive in USD first
US clients pay everyday ACH to conversion-account details. You avoid a forced local-currency conversion at receipt.
Fewer intermediaries
Every extra bank in the chain adds delay and a chance to take margin. Shorter paths keep more of the invoice.
Convert on your timeline
Hold dollar value as stablecoin when that fits, or off-ramp when you need local cash. Conversion becomes a choice, not a default.
Price with the full picture
Build visible fees into proposals. Clients accept clear costs more easily than surprise deductions after “payment sent.”
04 · Act on it
Open a conversion account and stop guessing
Clients keep everyday ACH. You get US payment details, a clear ledger, and a choice after funds arrive: hold stablecoin for lower fees and faster settlement, or off-ramp to local rails.
SwiftFi pricing: 3% total fee, 0% currency conversion fee, same business day wallet availability when you settle to stablecoin.
- For freelancers
- Invoice in USD, receive with everyday ACH, keep more of each milestone.
- For agencies
- Predictable cost on US client retainers without surprise FX on every invoice.
- Next read
- Conversion accounts explained
Preguntas frecuentes
Why do “low fee” payments still cost so much?+
Visible fees are only part of the cost. FX markups and intermediary banks often take more than the advertised transfer fee.
How do I compare providers fairly?+
Send the same invoice amount on the same day and compare what lands after every fee and conversion. Include settlement time in the comparison.
How does SwiftFi reduce total cost?+
Clients pay ACH to your conversion account. You avoid forced FX at receipt, see clear fees, and can hold stablecoin or off-ramp when you choose.
Guías relacionadas
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.
Cuentas de conversión
Datos bancarios de EE.UU. para que el cliente pague por ACH. Después conservas stablecoin o conviertes a moneda local.
Pagar freelancers en USD
Cobrar en USD reduce las conversiones forzadas. Factura en dólares, usa una cuenta virtual y liquida con rieles modernos.