Get paid in USD from US clients, without wire chaos
Open a conversion account from India 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. Keep export invoicing aligned for GST and FEMA context.
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 India.
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 India faster
Your conversion account is a US account. After clients pay, hold the funds as stablecoin, or route them directly to your India 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 · UPI / IMPS
India bank rail
Prefer not to hold stablecoin? Off-ramp via UPI / IMPS 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.
India, updated for 2026
Document the export. Keep GST and FEMA context clean.
Indian freelancers and agencies working with foreign clients should align the service contract, applicable tax invoice for export of services, and proof of foreign receipt. GST treatment for zero-rated or export supplies depends on your registration and whether you claim refunds or apply LUT. FEMA and RBI reporting expectations still apply to how foreign proceeds are received and used.
Review GST portal guidanceFinancial information, not tax advice
Rules can change and each situation is different. Confirm GST invoicing, LUT or IGST treatment, income-tax, and FEMA receipt rules with a chartered accountant before scaling US client payments.
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 GST tax invoice for export of services and keep the foreign-client contract and payment confirmation together.
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 India work
For India'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.
India payment guide
A cleaner USD workflow for Indian freelancers
Combine US-friendly ACH instructions with organized export documentation so clients pay easily and your local records stay easier to reconcile.
Explore freelancer payment workflowsCommon questions
Getting paid from the US in India
Straight answers for freelancers and remote contractors in Mumbai, Bengaluru, Delhi, and across India.
Can freelancers in India receive payments from US clients?+
Yes. Indian 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 Indian freelancers issue to US clients?+
Registered suppliers generally issue a tax invoice under GST for services. Export of services may qualify for zero-rated treatment when conditions are met, often with a Letter of Undertaking or IGST payment and refund. Exact document fields, place of supply, and HSN/SAC codes depend on your registration. Confirm with a CA.
Can Indian freelancers invoice and keep payment in USD?+
Commercial terms can be agreed in USD. How you receive, report, and convert foreign proceeds depends on your banking setup, FEMA rules, and tax position. Keep the invoice, contract, and payment trail linked so banks and advisors can reconcile cleanly.
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.