Get paid in USD from US clients, without remittance friction
Open a conversion account from the Philippines 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 BIR registration aligned with each payment.
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 Philippines.
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 Philippines faster
Your conversion account is a US account. After clients pay, hold the funds as stablecoin, or route them directly to your Philippines 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 · InstaPay
PH bank rail
Prefer not to hold stablecoin? Off-ramp via InstaPay 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.
Philippines, updated for 2026
Register cleanly. Match every receipt to the payment.
Filipino freelancers and contractors working with foreign clients should align BIR registration, the applicable official receipt or invoice, and proof of remittance. Cross-border service income can involve income-tax, percentage tax or VAT depending on your registration, and BSP or bank documentation may apply when receiving foreign currency.
Review BIR guidanceFinancial information, not tax advice
Rules can change and each situation is different. Confirm BIR registration, OR/invoice format, income-tax, and foreign-remittance documentation with a Philippine CPA or tax adviser before scaling US client work.
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 BIR official receipt or invoice for the export of services and keep client, currency, and payment references 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 Philippines work
For the Philippines' 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.
Philippines payment guide
A cleaner USD workflow for Filipino freelancers
Combine US-friendly ACH instructions with organized BIR documentation so clients pay easily and your local records stay audit-ready.
Explore freelancer payment workflowsCommon questions
Getting paid from the US in the Philippines
Straight answers for freelancers and remote contractors in Manila, Cebu, and across the Philippines.
Can freelancers in Philippines receive payments from US clients?+
Yes. Filipino 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 Filipino freelancers issue to US clients?+
Self-employed professionals generally issue BIR-registered official receipts or invoices for income. Exact document type, ATP or CAS setup, and tax treatment depend on your registration and whether you are under percentage tax or VAT. Confirm current BIR rules with a CPA.
Can Filipino freelancers invoice and keep payment in USD?+
Commercial terms can be agreed in USD. Banks and remittance channels may convert to PHP or allow USD accounts depending on your setup. Keep the contract, OR/invoice, and payment confirmation linked for tax and compliance reviews.
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