Get paid in USD from US clients, without the wire friction
Open a conversion account from Uruguay 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. Document the export cleanly for DGI.
From invoice to balance
How getting paid with SwiftFi works in Uruguay
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—and match each receipt to your export paperwork.
Open your conversion account
Create your SwiftFi profile and complete identity verification online from Uruguay.
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 Uruguay faster
Your conversion account is a US account. After clients pay, hold the funds as stablecoin, or route them directly to your Uruguay 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 · Bank transfer
Local bank rail
Prefer not to hold stablecoin? Off-ramp via Bank transfer 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.
Uruguay, updated for 2026
Export the service. Keep the paper trail bank-ready.
Uruguayan freelancers working with foreign clients should align DGI and BPS registration, the applicable electronic tax document (CFE), and proof that the service is used abroad. Exports of services are commonly billed with IVA at tasa 0% when the requirements are met, but the invoice, contract, and payment still need to match.
Review DGI electronic invoicing guidanceFinancial information, not tax advice
Rules can change and each situation is different. Confirm your RUT structure, CFE type, IVA treatment, BPS contributions, and foreign-payment documentation with a Uruguayan contador and current DGI rules.
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 CFE for the export of services and keep the foreign-client details, currency, and payment support 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 Uruguay work
For Uruguay's global independents
Independent freelancers
Invoice US retainers and milestones with ACH details clients already trust, then match each payment to your CFE.
Remote contractors
Give US payroll or accounts-payable teams domestic-looking account details for recurring contractor payouts.
Studios and small agencies
Keep one client-facing payment setup while your Montevideo team delivers for US product and design clients.
Uruguay payment guide
A cleaner USD workflow for Uruguay's remote freelancers
Combine US-friendly ACH instructions with organized export documentation so clients pay easily and your local records stay audit-ready.
Explore virtual USD accountsCommon questions
Getting paid from the US in Uruguay
Straight answers for freelancers and remote contractors in Montevideo and across Uruguay.
Can freelancers in Uruguay receive payments from US clients?+
Yes. Uruguayan 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 Uruguayan freelancers issue to US clients?+
Most VAT taxpayers document sales with electronic tax documents (CFE) under DGI rules. For services sold abroad, many freelancers use an e-Factura or e-Factura de Exportación configured for the engagement. Exact document type, client data, and IVA treatment depend on your registration, confirm with a Uruguayan contador.
Can Uruguayan freelancers invoice and keep payment in USD?+
Yes, commercial terms can be agreed in USD. Uruguay does not force every foreign receipt into pesos at arrival, but tax records, exchange information, and bank compliance still matter. Keep the contract, CFE, and payment confirmation linked so banks and DGI can see a clean trail.
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