Guides for freelancers
invoicing US clients
Written for developers and IT agencies outside the United States who want US, Canadian and EU clients and keep running into the same wall: the client cannot easily pay a foreign vendor. No sales pitch in the answers — where a different tool fits better than ours, the guide says so.
How to invoice a US client without registering a company
A working method for freelancers and small dev teams outside the United States: invoice US clients through a US merchant of record, with a W-9 the client can file, and no foreign entity of your own.
updated 2026-08-01W-8BEN vs W-9: which form applies to you
A plain explanation of the two IRS forms that appear in every US freelance contract, who signs which one, and why your client keeps asking for the one you cannot provide.
updated 2026-08-01How to get paid in USD as a developer outside the US
The realistic options for receiving US-dollar payments as a developer outside the United States — direct wire, payment platforms, marketplaces and merchant-of-record invoicing — and what each one actually costs you.
updated 2026-08-01Merchant of record vs employer of record: which one do you need
MoR and EOR sound similar and solve different problems. One issues invoices on your behalf; the other employs people on someone else's behalf. Picking the wrong one is expensive.
updated 2026-09-29Your US client will not pay a foreign contractor — what to do
Why US procurement teams refuse foreign vendors, what they are actually worried about, and the three ways to get the contract anyway.
updated 2026-08-01Freelance payment systems: which kind you actually need
Marketplace payouts, wallets like Wise and Payoneer, workforce platforms like Deel, US virtual accounts and merchant-of-record invoicing: what each kind solves, which named tools belong to it, and how to compare the real cost.
updated 2026-09-29How to receive ACH payments as a non-US freelancer
US clients prefer ACH because it is cheap, domestic and already wired into their accounting. The routes a freelancer outside the US has to be payable that way — and what each route looks like from the client's side.
updated 2026-08-08US company paying a foreign contractor: the clean ways to do it
For the US side of the deal: what paying a foreign contractor actually requires, which parts of the friction are real, and how paying a US merchant of record instead turns the purchase into a domestic one.
updated 2026-08-08Who the client pays, which rail the money takes, what it costs and what paperwork each side keeps.
Invoices in eleven currencies, payouts on your rail, documents in one place. What it does and what it deliberately does not.
Enter an amount, see the fee, the payout cost and the net figure per method from live settings.