A simpler way to get paid in USD from US clients
Open a conversion account from Brazil with US payment details. Your clients pay the way they’re used to—everyday ACH. Hold stablecoin for lower fees and faster settlement, or off-ramp if you’d rather not hold stablecoin. No US residency required.
From invoice to balance
How getting paid with SwiftFi works
Your US clients pay the way they’re used to: everyday ACH. You get one place to receive funds, then hold stablecoin for lower fees and faster payments—or off-ramp if you prefer not to.
Open your conversion account
Create your SwiftFi profile and complete identity verification online from Brazil.
Share US details
Send your client the routing and account details shown in your dashboard.
Get paid, then choose
Your US clients pay the way they’re used to: everyday ACH. Hold stablecoin for lower fees and faster payments, or off-ramp if you prefer not to hold stablecoin.
How SwiftFi pays Brazil faster
Your conversion account is a US account. After clients pay, hold the funds as stablecoin, or route them directly to your Brazil account.
Recommended for speed & fees
Hold stablecoin
Keep balances as stablecoin for lower fees and faster payments after your US client pays by ACH.
Off-ramp · PIX
Brazil bank rail
Prefer not to hold stablecoin? Off-ramp via PIX to your local bank account.
SwiftFi debit cards
Spend from your balance with a SwiftFi debit card—same portal, fewer hops. Get notified the moment cards launch.
Brazil, updated for 2026
Connect the payment to the right documentation.
Brazilian freelancers should align the client contract, service invoice, foreign-payment record, and applicable municipal and federal taxes. The exact setup differs for individuals, MEIs, and other business structures.
Review the national NFS-e portalFinancial information, not tax advice
Rules can change and each situation is different. Confirm your NFS-e, municipal tax, income-tax, foreign-exchange, and business-structure obligations with a Brazilian contador.
Freelancer checklist
Before the first ACH
Confirm payment terms in writing
Put the amount, currency, due date, scope, and who absorbs payment costs in writing.
Prepare the export invoice
Issue the applicable service invoice and retain the contract and payment records used for your accounting.
Match payment details exactly
Use the beneficiary name, routing number, account number, and reference shown in SwiftFi.
Keep an audit trail
Save the contract, invoice, payment confirmation, and account statements together.
Built around real work
For Brazil's global independents
Independent freelancers
Invoice retainers, projects, and milestones without asking a US client to navigate an international wire.
Remote contractors
Give US payroll or accounts-payable teams familiar account details for recurring contractor payouts.
Studios and small agencies
Keep client-facing payment instructions consistent while your local team delivers globally.
Brazil payment guide
A clearer way to manage international client payments
Give US clients a familiar payment route while keeping contracts, service invoices, and payment confirmations easier to match.
Explore USD freelancer paymentsCommon questions
Getting paid from the US
Straight answers for freelancers and remote contractors in Brazil.
Can freelancers in Brazil receive payments from US clients?+
Yes. Brazilian freelancers can invoice US clients and receive international payments. The right setup depends on how the client pays, where the funds settle, and your tax situation. SwiftFi provides eligible users with US payment details so clients can send a familiar domestic ACH transfer.
Do I need to live in the US to get US payment details?+
No US residency is required to apply for SwiftFi. Account availability is subject to identity verification, compliance review, and jurisdiction-specific eligibility.
What details does a US client need to pay me by ACH?+
A client generally needs the account holder name, routing number, account number, account type, and any payment reference shown in your SwiftFi account. Always copy the details exactly as displayed.
What invoice do Brazilian freelancers issue for US clients?+
The correct service invoice and tax treatment depend on your municipality and whether you operate as an individual, MEI, or another company type. Confirm the applicable NFS-e process and export-of-services treatment with a Brazilian contador.
Can Brazilian freelancers invoice US clients in USD?+
Commercial terms may be agreed in USD, while Brazilian accounting and tax records generally require the applicable BRL values and supporting exchange information. The payment provider and legal structure can affect the exact workflow.
Is SwiftFi a bank?+
No. SwiftFi is a financial technology company. Virtual accounts, custody, and on/off-ramp services are provided by licensed partners, and availability varies by jurisdiction.
Local guides
Explore Brazil by city
US payment guide