Payroll that crosses borders without the bank drama
Pay global contractors with US ACH details
International payroll breaks when every contractor needs a different wire path. SwiftFi helps eligible recipients receive US ACH/direct-deposit payments with checking-friendly details, then manage settlement on modern rails, including stablecoin when portable USD matters.
- US ACH-friendly details for global contractors and remote hires
- Familiar payday flow for US payroll and AP teams
- Fewer stacked wire fees and FX surprises
- Optional stablecoin settlement for portable dollar value
How SwiftFi helps
Conversion account → everyday ACH → your choice
Path through this guide
- 01Problem
- 02Contractor setup
- 03Pay on ACH
- 04They settle
01 · Problem
International payroll breaks on the last mile
Domestic US payroll is boring in a good way: ACH runs, money lands, people get paid. Cross-border work reintroduces wires, intermediary banks, and FX markups, exactly when you need predictable payday.
Wire maze
Every contractor in a different country means a different wire path, fee stack, and timeline.
Payday drift
Multi-day settlement turns predictable payroll into “maybe Friday” for remote hires.
FX on receipt
Recipients often lose margin the moment funds hit a local bank, before they choose to convert.
Ops overhead
AP teams chase routing numbers, intermediary SWIFT codes, and one-off payment exceptions.
02 · Contractor setup
Each contractor brings their own US ACH details
Eligible recipients open SwiftFi once, share checking-style details with HR, and join the same direct-deposit flow your US team already uses.
Open and verify SwiftFi
Each contractor creates an account, completes verification, and receives US checking-style details.
One setup per person. No US residency required for eligible recipients.
Share ACH details with HR
Account and routing numbers go into the payroll portal or contractor payment system, same as a domestic hire.
Standard direct-deposit fields. No crypto vocabulary for the payer.
Confirm the first deposit
Run a small test payment or verify the first payday deposit lands before scaling the roster.
Clean records from day one help contractors reconcile with local tax advisors.
03 · Pay on ACH
Agencies and employers keep the familiar payday flow
You do not need a full employer-of-record stack just to move dollars. If your gap is banking friction, not employment law, ACH plus clear contractor instructions may be enough.
- Use the same ACH batch your US payroll already runs
- Collect one set of payment instructions per contractor from SwiftFi
- Document each payout for AP and contractor reconciliation
- Skip rebuilding every payment as an international wire
04 · They settle
Contractors choose what happens after payday
ACH lands in SwiftFi. From there, recipients hold USD-friendly balance or settle to stablecoin when portable dollar value matters, without asking HR to learn crypto.
SwiftFi pricing: 3% total fee, 0% currency conversion fee, same business day wallet availability when settling to stablecoin.
Hold USD value
Contractors keep dollar-denominated balance until they need local cash, instead of forced conversion at receipt.
Settle to stablecoin
When portable USD matters, eligible recipients move to USDC or USDT on their timeline, not the bank’s.
Lightweight for operators
You keep contracts and compliance with your advisors. SwiftFi handles the payment layer where ACH details reduce friction.
Same payday rhythm
Remote contractors get paid on the same schedule as US teammates, then manage funds in one portal.
Common questions
How does SwiftFi help international payroll?+
Contractors open conversion accounts with US ACH details. You pay on familiar domestic rails; they receive dollar value with clearer settlement than stacked wires.
Is SwiftFi a full EOR or payroll platform?+
SwiftFi focuses on payment infrastructure—US details, tracking, and stablecoin settlement—not employment-of-record compliance. Pair it with your HR and tax advisors.
Can contractors choose stablecoin or local off-ramp?+
Yes. After ACH lands, each contractor can hold stablecoin or off-ramp based on preference and local needs.
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