Checking details that payroll systems recognize
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.
- US checking-style details for ACH and payroll forms
- Works for employer direct deposit and client payments
- No US residency required to apply
- Clear tracking from deposit to settled balance
Cómo ayuda SwiftFi
Cuenta de conversión → ACH de todos los días → tú eliges
Path through this guide
- 01The need
- 02What you get
- 03Add to payroll
- 04After payday
01 · The need
Payroll wants checking details—you are not in the US
US employers run payroll on ACH. They ask for routing and account numbers the same way they would for a teammate in Austin. Without US residency, that request usually ends in wires, delays, and hidden FX costs.
HR asks for checking details
Employers and payroll platforms expect a routing number and account number—not a cross-border wire form.
You are not a US resident
Traditional US checking accounts often require US residency. SwiftFi conversion accounts do not.
Payday should feel normal
Contractors and employees want ACH direct deposit on the same schedule as US teammates.
Wires add delay and cost
International wires stack fees and FX markups. ACH from payroll is the path employers already run.
02 · What you get
Checking-style ACH details without a US bank account
A SwiftFi conversion account provides the bank-style fields HR systems expect. It is not a traditional US checking account—it is payment infrastructure built for global contractors and employees.
- US routing and account numbers for ACH direct deposit
- Beneficiary name matching your verified identity
- A ledger that tracks each payroll deposit
- Settlement choice after funds arrive: stablecoin or off-ramp
03 · Add to payroll
Three steps before your first paycheck
HR does not need to learn a new platform. You give them the same fields they already use for domestic direct deposit.
- 01
Open SwiftFi and verify
Complete verification to unlock your conversion account and US payment details.
Have your ID and contract details ready—HR may ask for proof of account ownership.
- 02
Copy details from the portal
Routing number, account number, and beneficiary name—exactly as shown. Typos cause failed deposits.
Most systems label these “checking” or “direct deposit.” Either works for ACH.
- 03
Submit to HR or your payroll tool
Gusto, Rippling, Deel payroll, ADP, or in-house HR—standard ACH fields are what they need.
Ask for a test deposit before your first full paycheck when possible.
04 · After payday
Payday lands—then you choose
ACH from payroll clears into your conversion account. From there, hold stablecoin or off-ramp to local currency. No forced conversion the moment HR hits send.
Track it
Every deposit in one place
Payroll hits your conversion account with a clear status trail. No guessing whether HR sent the batch.
Use it
Settle on your terms
Hold dollar value as stablecoin for lower fees and faster access, or off-ramp to local rails when you need cash.
Same business day wallet availability when you settle to stablecoin.
Preguntas frecuentes
Can I get US checking details without living in the US?+
SwiftFi conversion accounts provide US routing and account numbers for ACH and payroll direct deposit after verification, without requiring US residency.
Will HR systems accept these details?+
Most payroll tools accept standard ACH routing and account numbers. Enter them exactly as shown and run a small test deposit when possible.
What can I do with funds after direct deposit?+
Hold balances as stablecoin for lower fees and faster access, or off-ramp to local rails. Debit spend from balance is on the roadmap.
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.
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.
Cuentas de conversión
Datos bancarios de EE.UU. para que el cliente pague por ACH. Después conservas stablecoin o conviertes a moneda local.