Get paid in USD from US clients, with clearer settlement
Open a conversion account from Nigeria 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 invoices ready for FIRS and banking compliance.
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 Nigeria.
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 Nigeria faster
Your conversion account is a US account. After clients pay, hold the funds as stablecoin, or route them directly to your Nigeria 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 · NIP
Nigeria bank rail
Prefer not to hold stablecoin? Off-ramp via NIP 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.
Nigeria, updated for 2026
Match the invoice to the foreign receipt.
Nigerian freelancers and contractors working with foreign clients should align the commercial contract, applicable invoice or receipt for tax purposes, and proof of inward remittance. CBN foreign-exchange and banking documentation expectations can affect how USD proceeds are received, converted, or held. FIRS income-tax and VAT rules depend on your registration and the nature of the service.
Review FIRS guidanceFinancial information, not tax advice
Rules can change and each situation is different. Confirm invoicing, VAT, income-tax, and foreign-receipt documentation with a Nigerian tax adviser and current CBN banking guidance before moving client funds.
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 commercial invoice or tax invoice for the engagement and retain the contract and payment confirmation.
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 Nigeria work
For Nigeria'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.
Nigeria payment guide
A clearer USD path for Nigerian freelancers
Use familiar US payment details so clients pay by ACH, then keep contracts and payment confirmations organized for local banking and tax records.
Explore USD freelancer paymentsCommon questions
Getting paid from the US in Nigeria
Straight answers for freelancers and remote contractors in Lagos, Abuja, and across Nigeria.
Can freelancers in Nigeria receive payments from US clients?+
Yes. Nigerian 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 Nigerian freelancers issue to US clients?+
Most freelancers document US work with a commercial invoice that matches the contract. VAT registration, TIN details, and tax treatment depend on your status and the service provided. Confirm the current FIRS requirements with a local adviser.
Can Nigerian freelancers invoice US clients in USD?+
Yes, parties can agree commercial terms in USD. How funds arrive, convert to NGN, or stay in foreign currency depends on your bank, payment provider, and applicable CBN rules. Keep invoice and payment references consistent for reconciliation.
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
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US payment guide