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Getting paid and moving money, explained
Straight answers on account details from abroad, stablecoin, paying contractors and getting paid by clients abroad, with every outside fact linked to its source.
Featured · AccountsHow to open a US business bank account from abroadYou have two routes. Route A: form a US LLC, get an EIN from the IRS (foreign owners apply by phone, fax or mail), then open an account with a US bank or fintech. Route B: keep the company you already run and apply for USD account details for ACH and wire. Both routes ask for passports, proof of address, formation documents and owner details.Read the guide
FreelancersHow to get paid by US clients as a freelancer outside the USA US client can pay you by ACH or wire into USD account details, by SWIFT wire to your bank at home, by card or ACH through an online invoice, or through a platform or a provider such as Payoneer. Expect to give Form W-8BEN or W-8BEN-E, compare what lands after fees and conversion, and check your central bank's rules on foreign income.Read the guide →PaymentsACH vs wire transfer: which should your business use?ACH sends payments in batches through the Federal Reserve and The Clearing House. It usually settles in one or two business days, or the same day with Same Day ACH, and costs little. A domestic wire moves through the Fedwire Funds Service one payment at a time and is final once processed. Use ACH for routine invoices and a wire for large or deadline-bound payments.Read the guide →AccountsLocal account details vs SWIFT wire: what's the difference?Local account details let a payer send you money over their own country's payment system, such as ACH in the US or SEPA in Europe, with no correspondent banks in between. A SWIFT wire moves between countries through one or more correspondent banks, and each can take a fee from the amount. Give payers local details where you have them and keep SWIFT for the rest.Read the guide →PaymentsInternational payment processing fees: what you pay and whyInternational payment processing fees are what it costs to accept a payment from a customer abroad. You pay the normal card fee, an extra charge when the card was issued in another country and, if the money changes currency, a conversion fee. At VezmoPay's published starting rates, a $1,000 sale costs $29.29 from a domestic card and $49.29 from a foreign card that also needs conversion.Read the guide →PayoutsHow to pay international contractorsTo pay an international contractor, agree the currency, fees and payment method in the contract, collect the right tax form, then pay against an approved invoice. A local bank transfer in the contractor's currency is often cheaper and easier to predict than a SWIFT wire. US businesses should get Form W-8BEN (individuals) or W-8BEN-E (entities) before the first payment.Read the guide →StablecoinStablecoin payments for business: how to receive USDC and USDTA stablecoin payment is a transfer of a dollar-pegged crypto-asset, such as USDC or USDT, over a blockchain. To receive one, you agree the coin and network with your client, share a deposit address for that network and wait for the network to confirm it. Transfers can't be reversed. With Vezmo (early access), the payment is credited to your USD balance.Read the guide →StablecoinHow to convert USDC to USD for a businessTo convert USDC to US dollars, receive it at a service that converts stablecoin and credits dollars to your business. Agree the coin and network with your client, share the deposit address for that exact network, then compare the dollars credited with the tokens sent. With Vezmo (early access), USDC and USDT are credited to your USD balance.Read the guide →FreelancersPayoneer alternatives for freelancers outside the USAs of 24 Oct 2026, the main Payoneer alternatives for getting paid in USD from outside the US are Wise, where it issues USD details at your address; Grey, for employees and freelancers in its listed countries; Slash, for businesses incorporated outside the US; a direct SWIFT wire to your own bank; and Vezmo. Vezmo wrote this list, and the order isn't a ranking.Read the guide →
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