Payroll that just works
Add SwiftFi to payroll in a few steps
After approval, plug your SwiftFi account number and routing number into your employer’s HR system. On payday, you get paid to your external wallet automatically, at the same time as everyone else on the payroll run.
- Get approved, then copy your account and routing numbers
- Enter those details in your employer’s HR or payroll system
- Receive payroll to your external wallet automatically
- Same payday timing as the rest of your team
How SwiftFi helps
Conversion account → everyday ACH → your choice
Path through this guide
- 01Approve
- 02Add details
- 03Confirm
- 04Settle
01 · Approve
Get verified before HR asks for numbers
Adding SwiftFi to payroll starts on your side. Once verified, your conversion account provides the checking-style details employers already know how to use—no special employer signup required.
- Create your SwiftFi account and complete identity verification
- Open a conversion account to unlock US routing and account numbers
- Confirm beneficiary name matches what HR expects on payroll
- Save your portal details somewhere secure before sharing with HR
02 · Add details
Paste into HR exactly as shown
Gusto, Rippling, ADP, Deel, Remote payroll, or in-house HR—all expect the same ACH fields. SwiftFi gives you bank-style details; your employer’s system does the rest.
The same four details HR already uses for US direct deposit.
03 · Confirm
From approval to first paycheck
Walk through each step once. After the first successful deposit, payday runs on autopilot—the same ACH batch your US teammates use.
Set it up once, then reuse the same details every payday.
- Step01
Get approved on SwiftFi
Verification unlocks your conversion account. Until then, you do not have deposit details to share.
Approval timing depends on documentation and jurisdiction.
- Step02
Copy routing and account numbers
Open the portal, copy each field exactly, and paste into your employer’s HR or payroll system.
Double-check every digit before submitting—payroll reversals are slow.
- Step03
Run a test deposit
Ask HR for a small test payment or wait for the first payroll cycle and confirm the amount in SwiftFi.
Most issues are typos in routing or account numbers.
- Step04
Settle after funds arrive
Payroll ACH clears to your conversion account. Choose stablecoin for same-day dollar value or off-ramp when you need local cash.
Link your wallet before payday if you plan to settle to stablecoin.
04 · Settle
Payday clears—then you control conversion
Payroll sends everyday ACH. Funds land in your conversion account with a clear ledger. Settle to stablecoin for same-day dollar value, or off-ramp when you need local currency.
SwiftFi pricing: 3% total fee, 0% currency conversion fee.
- For employees
- Add SwiftFi as your direct-deposit destination and receive on the same payday schedule as US staff.
- For contractors
- Give AP or payroll the checking details they expect—without a US bank account on your side.
- Next read
- Settle to stablecoin
Common questions
How do I add SwiftFi to my employer’s payroll?+
Get approved, copy your conversion account routing and account numbers into your HR or payroll system as a direct-deposit destination, then confirm a test payment.
Does payroll still use ACH?+
Yes. Employers send everyday ACH the same way they would to a US checking account. You receive through SwiftFi and can settle to stablecoin.
What if my employer only supports bank accounts?+
SwiftFi provides the bank-style details payroll systems expect. Share beneficiary name, routing number, and account number exactly as shown in the portal.
Related guides
International payroll
International payroll without the wire maze. Give remote contractors US checking details for ACH, reduce cross-border friction, and settle to stablecoin when you need dollar value that travels.
US ACH details for direct deposit
Get US checking account details for ACH and payroll direct deposit. Receive USD like a local checking account, then manage settlement through SwiftFi, no US residency required to apply.
Conversion accounts
Conversion accounts give you US banking details so clients pay with everyday ACH. Then hold stablecoin for lower fees and faster payments, or off-ramp if you prefer not to.