{
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  "sources": ["ssg:https://framerusercontent.com/modules/oJEmOO6n9lfH2P2PUCkm/Js8Hbm1pLxOQoRNxYHer/fBkBekm1e-2.js"],
  "sourcesContent": ["import{jsx as e,jsxs as t}from\"react/jsx-runtime\";import{Link as n}from\"framer\";import{motion as a}from\"framer-motion\";import*as o from\"react\";export const richText=/*#__PURE__*/t(o.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Technology is dissolving geographical boundaries. Companies can now do business, create partnerships and build complex supply chains all via the internet. You can communicate with a few taps of a phone screen, jump on a quick Zoom call and run entire operations through project management software.\"}),/*#__PURE__*/e(\"p\",{children:\"But a paradox remains.\"}),/*#__PURE__*/e(\"p\",{children:\"Despite information being able to travel instantly, international payment processes are still frustratingly complex and outdated. Cross-border B2B payments still battle delays, crippling fees and opaque processing systems. The whole system drains both your financial resources and operational efficiency.\"}),/*#__PURE__*/t(\"p\",{children:[\"Shockingly, \",/*#__PURE__*/e(n,{href:\"https://www.sage.com/en-gb/-/media/files/company/documents/pdf/digital-newsroom/e-invoicing-report-paving-the-way-to-a-connected-economy.pdf\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"77% of CEOs and COOs\"})}),\" dedicate their time each month to deal with invoice processing. 40% even have to intervene every week!\"]}),/*#__PURE__*/e(\"p\",{children:\"Every day you run up against this problem, your business is bleeding efficiency and competitive advantage. Fees are mounting up, payment delays strain supplier relationships and that's even before we get to the administrative overhead. Valuable resources are being diverted from your core business growth.\"}),/*#__PURE__*/e(\"p\",{children:\"In this cross-border B2B payment guide, you'll learn actionable strategies that forward-thinking businesses are using to remove payment challenges and gain a strategic advantage.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"By the end, you\u2019ll have a clear route to cutting payment costs by 80%, reducing settlement times to minutes and removing reconciliation work that drains your team's productivity. Plus, you\u2019ll have the tools to streamline your global payments and enter new markets faster than the competition.\"}),/*#__PURE__*/e(\"h2\",{children:\"What are cross-border B2B payments?\"}),/*#__PURE__*/e(\"p\",{children:\"Cross-border B2B payments are financial transactions that take place between two businesses operating in different countries. Generally, this requires money to be moved across borders, through multiple banks and to exchange different currencies.\"}),/*#__PURE__*/e(\"p\",{children:\"Examples of international B2B payments include:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"A manufacturing company paying overseas material suppliers\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"A software company billing international clients\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Businesses paying foreign contractors or remote employees\"})})]}),/*#__PURE__*/t(\"p\",{children:[\"International trade has become the norm, not the exception and the need to move money efficiently across borders is directly impacting more and more businesses. In fact, the global B2B cross-border payment market \",/*#__PURE__*/e(n,{href:\"https://www.fxcintel.com/research/reports/how-big-is-the-b2b-cross-border-payments-market\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"hit $31.6 trillion in 2024\"})}),\" and is projected to grow 58% to $50 trillion by 2032.\"]}),/*#__PURE__*/e(\"p\",{children:\"What might seem like a simple money transfer actually involves multiple middlemen and third parties, currency exchanges and regulations to deal with. Those businesses that can cut through this resource drain gain an advantage in their pricing, delivery speed and relationship building with international partners.\"}),/*#__PURE__*/e(\"h2\",{children:\"The mechanics of cross-border B2B payments\"}),/*#__PURE__*/e(\"p\",{children:\"So what actually happens behind the scenes when money moves internationally?\"}),/*#__PURE__*/e(\"p\",{children:\"A cross-border business payment journey is like international air travel. It requires multiple checks and balances. The money must go through security checks and waste time in several layovers during its trip to the final destination.\"}),/*#__PURE__*/e(\"p\",{children:\"The money leaves the sender's bank, then goes through correspondence banks (the middlemen) before ending up in the recipient's bank. Each \u2018layover\u2019 adds time, cost and potential errors.\"}),/*#__PURE__*/e(\"p\",{children:\"It's staggering, the number of different intermediaries involved in the ecosystem:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Commercial banks\"}),\" provide bank accounts and initiate transfers for people and businesses\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Correspondent banks\"}),\" facilitate currency conversion and transmission\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Payment networks\"}),\" like SWIFT, Visa and RippleNet are used for payment processing and connecting banks\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"FinTech providers\"}),\" offer fresh alternatives to traditional banking routes\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"Traditional banking rails are built on networks like SWIFT, which is a messaging network to transfer information, but not the actual money movement itself. Compare this to more modern payment systems, which rely on API-driven platforms, blockchain networks and real-time systems that remove third parties, thereby slashing fees and completion times.\"}),/*#__PURE__*/e(\"p\",{children:\"Although you never see the mechanics behind international payments directly, they do impact your bottom line, timing and risk exposure. While traditional banking routes are familiar to most of us, they have been kept opaque in price and timing. You send your money off from your bank account and have no idea where it is until it hits the recipient's bank account days later.\"}),/*#__PURE__*/e(\"p\",{children:\"Modern cross-border payment solutions offer vast improvements, giving more transparency in payments and delivering funds in minutes, not days.\"}),/*#__PURE__*/e(\"h2\",{children:\"The core challenges of borderless commerce\"}),/*#__PURE__*/e(\"p\",{children:\"The challenges of cross-border operations aren't just an inconvenience. They have a material impact on your business performance.\"}),/*#__PURE__*/e(\"h3\",{children:\"High fees and hidden costs erode your profit margins\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Transfer fees can average 3-5% for traditional bank transfers. The more money you send, the more it costs you.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"FX spread costs often add another 1-3% above mid-market rates, a fee that usually goes unnoticed.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Intermediary banks can add unexpected deductions from payment amounts.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Operational cost of managing complex payment workflows can surpass the direct fees - a hidden drain on profit margins.\"})})]}),/*#__PURE__*/e(\"h3\",{children:\"Time delays damage business relationships\"}),/*#__PURE__*/t(\"p\",{children:[\"Time delays can lead to unpredictable settlement times, which can quickly damage supplier relationships and even disrupt supply chains. In fact, cross-border payments \",/*#__PURE__*/e(n,{href:\"https://usa.visa.com/content/dam/VCOM/global/run-your-business/documents/innovating-cross-border-payments.pdf\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"take 55% longer\"})}),\" than domestic transactions for US/UK businesses.\"]}),/*#__PURE__*/t(\"p\",{children:[\"Plus, the average settlement time for UK businesses trading internationally is over 30 days. It's no wonder that \",/*#__PURE__*/e(n,{href:\"https://www.afponline.org/training-resources/resources/survey-research-economic-data/Details/epayments-survey\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"54% of global companies choose to prioritize payment speed\"})}),\" when selecting B2B cross-border payment solutions and partners.\"]}),/*#__PURE__*/e(\"p\",{children:\"These delays don\u2019t just cause problems at payment execution, but extend to the whole payment workflow from validating invoices to compliance documentation collection to reconciliation with contracts and purchase orders.\"}),/*#__PURE__*/e(\"h3\",{children:\"Regulatory complexity\"}),/*#__PURE__*/e(\"p\",{children:\"Regulatory complexity and missteps risk severe penalties and reputational damage. There are varying KYC and AML requirements across different jurisdictions, along with numerous compliance checks and that's before you even get to different tax reporting requirements.\"}),/*#__PURE__*/e(\"p\",{children:\"Cross-border B2B payment workflow amplifies the regulatory challenges with each country imposing unique regulations for foreign transactions. It means documentation changes according to the currency, tade, and customs regulations. In addition, when there\u2019s multiple subsidiary and parent companies the sign-off flow becomes ever more intricate. Mistakes anywhere in the payment workflow can can an indefinite freeze on payments.\"}),/*#__PURE__*/e(\"h3\",{children:\"Security concerns\"}),/*#__PURE__*/e(\"p\",{children:\"Fraud risk and security worries still keep businesses on high alert. For example, international transfers are hot targets for business email compromise scams. And with bank transfers, it can be hard to recover funds once they leave the country. With multiple steps in a payment workflow extending to multiple stakeholders, establishing a secure document approval chain is critical.\\xa0\"}),/*#__PURE__*/e(\"h3\",{children:\"Administrative burden\"}),/*#__PURE__*/e(\"p\",{children:\"Administration of all of this is unwieldy too. Accounting and reconciliation become complex with incomplete payment information requiring manual matching. The administrative challenges extend further than basic bookkeeping.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Mapping invoice to the corresponding contracts, purchase orders, and validating what's being paid creates a maze of tracking. Ensuring that payments are properly approved internally becomes slow with multiple stakeholders in the approval chain. That\u2019s all weighed down further with requirements to calculate correct taxes and collect regulatory paperwork like W9, W8BEN and 1099 forms.\\xa0\"}),/*#__PURE__*/e(\"h2\",{children:\"How cross-border invoicing affects payment success\"}),/*#__PURE__*/t(\"p\",{children:[\"Invoicing isn't just paperwork. It's a key part of getting paid faster internationally. It directly impacts payment speed and success. Efficiently structured invoices are paid two to three days faster on average. In fact, \",/*#__PURE__*/e(n,{href:\"https://www.sage.com/en-gb/-/media/files/company/documents/pdf/digital-newsroom/e-invoicing-report-paving-the-way-to-a-connected-economy.pdf\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"75% of businesses say that poor information flow\"})}),\" for invoicing is the main reason for late payments.\\xa0\"]}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Currency mismatch:\"}),\" When it comes to cross-border invoicing challenges, currency mismatch between the invoice and settlement currency is a regular problem. As a business, you want to get paid in your native currency, while a supplier might prefer to pay in theirs. This disagreement leads to unnecessary friction and delays in getting paid.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Incorrect banking details: \"}),\"If your business is not used to dealing with international payments or new countries, providing incomplete or incorrect international banking details creates an unprofessional look to your business, along with slowing down payment procedures.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Tax ID:\"}),\" Local tax identifiers like VAT, GST and tax IDs are another bridge to cross. Different regulations and requirements in different countries mean that businesses are left scrambling and confused about the details they need to provide.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Invoicing format:\"}),\" Required content and format vary from jurisdiction to jurisdiction. Some countries have heavy regulations on what to include in an invoice, while others are more relaxed. It's another frustrating complication to work through. For example, e-invoicing is becoming mandatory in some jurisdictions in 2025 with specific format requirements.\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"When you're billing globally, it's crucial to think about invoice presentation and clarity. When left to do this manually, human error can creep in, plus training up new staff takes more valuable resources out of the operational efficiency of your company.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"It's why smart invoicing tools, like Acctual, are becoming more popular to help reduce these errors and delays in cross-border B2B payments.\"}),/*#__PURE__*/e(\"h2\",{children:\"How technology is transforming cross-border payments\"}),/*#__PURE__*/e(\"p\",{children:\"The technological revolution happening in payments is reshaping what's possible for global commerce. It isn't just creating small improvements; it's actually delivering tangible business value. Companies leveraging these innovations gain not just operational efficiency but also improved liquidity management and partnership satisfaction.\"}),/*#__PURE__*/e(\"p\",{children:\"As we've seen, strategically adopting modern payment technology is becoming a competitive differentiator for global businesses. You can strengthen relationships and become agile when entering new markets and jumping on opportunities and trends.\"}),/*#__PURE__*/e(\"p\",{children:\"So when looking at transforming B2B cross-border payments in your business, what are the key factors to assess?\"}),/*#__PURE__*/e(\"h3\",{children:\"Real-Time Payment Networks Are Expanding Globally\"}),/*#__PURE__*/e(\"p\",{children:\"The US and the UK already enable instant domestic transfers through FedNow and Faster Payments respectively, while Singapore and Thailand are integrating cross-border real-time systems and the EU has initiatives like the SEPA zone for money to move freely across Europe.\"}),/*#__PURE__*/e(\"p\",{children:\"These sorts of innovations are opening up 24/7 settlement capabilities that eliminate weekend and holiday delays.\"}),/*#__PURE__*/e(\"h3\",{children:\"FinTech innovation challenges traditional banking\"}),/*#__PURE__*/e(\"p\",{children:\"FinTech has been aggressively challenging traditional banking over the past decade. They offer API-first platforms which enable integration directly with business systems and specialized providers even focus on specific corridors or business sectors.\"}),/*#__PURE__*/t(\"p\",{children:[\"FinTech efficiency versus traditional banking delivers a surprisingly \",/*#__PURE__*/e(n,{href:\"https://www.pymnts.com/blockchain/2024/cross-border-payments-cost-could-be-cut-by-blockchain-if-it-can-only-solve-the-scale-problem/\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"high cost reduction of 80%\"})}),\" and coupling this with near-instant global transfers, it's not hard to see why many businesses choose fintech solutions over traditional banks.\"]}),/*#__PURE__*/t(\"p\",{children:[\"Many of these FinTech offerings, \",/*#__PURE__*/e(n,{href:\"https://www.acctual.com/\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"like Acctual,\"})}),\" even wrap everything in a smart invoicing system for complete automation of global cross-border payments.\"]}),/*#__PURE__*/e(\"h3\",{children:\"Blockchain and stablecoin solutions\"}),/*#__PURE__*/t(\"p\",{children:[\"The birth of blockchain and \",/*#__PURE__*/e(n,{href:\"https://www.acctual.com/blog/cross-border-payments-in-crypto-stablecoins-blockchain-solutions\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"stablecoin payment solutions\"})}),\" takes things a step further, with settlement times reduced from days to minutes or even seconds in many cases. There's no need for correspondent banking fees and there's complete transparency in the status of a transaction and the fees.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Choosing the right cross-border payment partner\"}),/*#__PURE__*/e(\"p\",{children:\"Your choice of payment partner has a direct influence on your business's global capabilities. Having the right provider removes barriers to your business growth and actually becomes a strategic ally in your expansion.\"}),/*#__PURE__*/e(\"p\",{children:\"Getting this choice right can do more than just provide high-quality transaction processing. It reduces friction with customers, improves supplier relationships and adds operational efficiencies that compound over time.\"}),/*#__PURE__*/e(\"p\",{children:\"When looking for a payment provider, there are several factors to take into account:\"}),/*#__PURE__*/e(\"h3\",{children:\"1. Global network reach\"}),/*#__PURE__*/t(\"p\",{children:[\"Simply put, does the payment provider provide direct or indirect access to local payment systems? For example, some \",/*#__PURE__*/e(n,{href:\"https://www.acctual.com/blog/wise-alternatives\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"operators like Wise\"})}),\" are limited and restricted in many areas of the world, whereas Acctual can offer direct reach into many emerging markets excluded by the biggest fintech banks.\"]}),/*#__PURE__*/e(\"h3\",{children:\"2. Fee transparency and structure\"}),/*#__PURE__*/e(\"p\",{children:\"Are you paying a fixed fee or a percentage? This is an important consideration depending on the size of your transfers. For example, high fees between 3% and 5% will sting you on bigger transfers. Whereas fixed fees for wire transfers, which can reach $50, massively hurt small businesses making smaller payments.\"}),/*#__PURE__*/e(\"p\",{children:\"And then there's the FX markup to factor in. Do you know how much you're going to be paying to convert currency for payments you send and receive?\"}),/*#__PURE__*/e(\"h3\",{children:\"3. Settlement speed, guarantees and tracking capabilities\"}),/*#__PURE__*/t(\"p\",{children:[\"How long does it take for payments to be settled? Will it take a few minutes, same day, or take days or even weeks? With the top payment processors now, it feels almost automatic as soon as an invoice is paid. In just minutes after an invoice is paid, you receive the money into your \",/*#__PURE__*/e(n,{href:\"https://www.acctual.com/blog/crypto-exchanges-vs-wallets-learn-the-difference\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"bank account or wallet.\"})})]}),/*#__PURE__*/e(\"h3\",{children:\"4. Multi-currency account management\"}),/*#__PURE__*/e(\"p\",{children:\"Many modern solutions require you to have multi-currency accounts within the platform. That means you have to both manage these accounts and manually transfer money from one to the other.\"}),/*#__PURE__*/e(\"p\",{children:\"On the other hand, solutions like Acctual take care of this for you. There's no need to manage multi-currency accounts. Your client pays in their chosen currency and the money hits your bank account or wallet in your local currency or stablecoin.\"}),/*#__PURE__*/e(\"h3\",{children:\"5. ERP and accounting system integration\"}),/*#__PURE__*/e(\"p\",{children:\"Digital ERP and accounting Systems are standard in modern business. So you need a payment provider that has API availability linked to your system.\"}),/*#__PURE__*/e(\"p\",{children:\"For example, if you're using Xero or QuickBooks, the top solutions should integrate invoicing and payments directly into your accounting system. This way, there's no need for manual reconciliation and matching. It's a huge administrative win and allows complete workflow automation. As your business scales and transaction volumes grow, you're not left with a spiraling reconciliation problem.\"}),/*#__PURE__*/e(\"h3\",{children:\"6. Security and risk management\"}),/*#__PURE__*/e(\"p\",{children:\"This is the final piece of the puzzle. First of all, does the payment provider meet regulatory compliance in the required countries? Not just to operate legally, but so you're safe in the knowledge that it stores and manages data according to best practices.\"}),/*#__PURE__*/e(\"p\",{children:\"Adding to this, there should be proper fraud protection mechanisms and liability policies in place to make sure your global B2B payments and finances are protected at all times. Providers should have the ability to screen against global sanctions lists such as OFAC to ensure you are able to legally pay the vendor. It\u2019s a critical step in protecting your business from potential penalties and reputational damage.\\xa0\"}),/*#__PURE__*/e(\"h2\",{children:\"Future trends in international B2B payments\"}),/*#__PURE__*/e(\"p\",{children:\"International B2B payments are only going to grow as the world becomes increasingly connected. Informational and communication borders will continue to dissolve.\"}),/*#__PURE__*/e(\"p\",{children:\"Ensuring you have smooth international B2B payments is not just a nice-to-have; it's going to become the standard in which most businesses operate. Early adopters of emerging payment technology will gain an advantage in cost structure, operational efficiency and perhaps most importantly, customer experience.\"}),/*#__PURE__*/e(\"h3\",{children:\"Real-time, 24/7 global payments will become the norm\"}),/*#__PURE__*/e(\"p\",{children:\"With the growth in real-time processing capabilities, your suppliers and business partners won't be happy waiting days or weeks for payment. Real-time, 24/7 global payments will become normal; it will be a consumer expectation.\"}),/*#__PURE__*/e(\"h3\",{children:\"Virtual bank account structures are replacing traditional banking\"}),/*#__PURE__*/e(\"p\",{children:\"It will be rare for a business just to have a single, one-currency account, as companies are likely to maintain balances in multiple currencies, look to optimize FX costs and start using cryptocurrencies like stablecoins for their cross-border B2B payment solutions.\"}),/*#__PURE__*/e(\"h3\",{children:\"FinTech-bank relationships are reshaping the ecosystem\"}),/*#__PURE__*/e(\"p\",{children:\"Traditional banks are still providing the fundamental regulatory framework, conventional payment rails and security, while FinTechs are building on top of this to deliver user experience and technological innovation.\"}),/*#__PURE__*/e(\"p\",{children:\"A newer trend of embedded finance is bringing these payment capabilities directly into applications and business software. It points to a completely more frictionless future of payments.\"}),/*#__PURE__*/e(\"h2\",{children:\"How to build a cross-border payment strategy\"}),/*#__PURE__*/e(\"p\",{children:\"In the process of creating a more efficient, reliable global business, you need to create a deliberate payment strategy. It\u2019s the key to transforming cross-border transactions from a challenge into a proactive business strategy.\"}),/*#__PURE__*/e(\"p\",{children:\"A well-designed payment strategy enables you to outperform competitors in your working capital efficiency, supplier/customer relationships and operational resilience.\"}),/*#__PURE__*/e(\"p\",{children:\"So how should you approach creating a cross-border payment strategy in your business?\"}),/*#__PURE__*/e(\"h3\",{children:\"Start by defining payment flows\"}),/*#__PURE__*/e(\"p\",{children:\"Map your current and planned B2B international payment relationships. Pay close attention and identify high-volume, high-value corridors and map out the inbound and outbound financial requirements.\"}),/*#__PURE__*/e(\"h3\",{children:\"Assess your regulatory exposure\"}),/*#__PURE__*/e(\"p\",{children:\"What countries are you working in? Highlight high-risk jurisdictions that require specific compliance. This might include KYC and AML requirements across your payment footprint. This will allow you to develop jurisdiction-specific documentation standards for each key location.\"}),/*#__PURE__*/e(\"h3\",{children:\"Choose the right tools for your needs\"}),/*#__PURE__*/e(\"p\",{children:\"Cross-border payment software isn't a one-size-fits-all solution. You need to pick the optimal tools for your global locations and partners. Work out what payment methods you need to match to your business relationships.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"You might consider a tool or partner with a specialized approach versus one that is a more generalist, catch-all offering. This will enable you to select cross-border B2B payment companies with a strong profile in your priority payment corridors.\"}),/*#__PURE__*/e(\"h3\",{children:\"Develop an FX and treasury management approach\"}),/*#__PURE__*/e(\"p\",{children:\"This is especially important for companies dealing in multiple currencies. Do you need a local currency account strategy or a centralized approach with everything pooled into a central fund? And how will you hedge against currency volatility as you hold and move through different currencies?\"}),/*#__PURE__*/e(\"h2\",{children:\"Complete cross-border payments with Acctual\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"2160\",src:\"https://framerusercontent.com/images/CinDGmGWa60ny7uHKIyHtUCevM.png\",srcSet:\"https://framerusercontent.com/images/CinDGmGWa60ny7uHKIyHtUCevM.png?scale-down-to=512 512w,https://framerusercontent.com/images/CinDGmGWa60ny7uHKIyHtUCevM.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/CinDGmGWa60ny7uHKIyHtUCevM.png?scale-down-to=2048 2048w,https://framerusercontent.com/images/CinDGmGWa60ny7uHKIyHtUCevM.png?scale-down-to=4096 4096w,https://framerusercontent.com/images/CinDGmGWa60ny7uHKIyHtUCevM.png 6176w\",style:{aspectRatio:\"6176 / 4320\"},width:\"3088\"}),/*#__PURE__*/e(\"p\",{children:\"Cross-border B2B payments can be a maze. Traditional banking systems are slow, antiquated and expensive. In addition, not all modern global payment solutions are as effective as they appear to be. You still hit jurisdictional dead ends and have the complication of managing multi-currency accounts.\"}),/*#__PURE__*/t(\"p\",{children:[\"Let\u2019s be honest, you\u2019re not in the business of FX trading\u2026 That\u2019s why \",/*#__PURE__*/e(n,{href:\"https://www.acctual.com/\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Acctual\"})}),\" get\u2019s rid of high fees, glacial payment speeds and rubbish exchange rates. Instead, you can invoice, get paid and make payments in the currency you want. You won\u2019t find a more flexible global B2B invoicing solution.\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"Take this example:\"}),/*#__PURE__*/e(\"p\",{children:\"A marketing agency based in Africa was waiting up to two weeks to get paid in fiat, relying on other parties to get paid. They have a partner business in the UK that accepts payment via PayPal. Then, they convert the funds to Naira before sending it to the agency. From there, the agency buys USDC to pay its contractors.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Now by invoicing their clients with Acctual, they receive USDC payments directly, with the flexibility of letting their client pay in fiat. Now they\u2019re getting paid faster and making it easier to pay their employees as well.\"}),/*#__PURE__*/e(\"p\",{children:\"Acctual adjusts to your business\u2019s needs. Choose how you invoice and run payments. You could choose to get paid in stablecoins like USDC, but allow your client to pay in local Fiat currency. Or vice versa!\"}),/*#__PURE__*/t(\"p\",{children:[\"It\u2019s easy for anyone to get started with an invoice payment link or PDF by trying out the \",/*#__PURE__*/e(n,{href:\"https://cryptoinvoice.new/\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"free invoice generator here.\\xa0\"})})]})]});export const richText1=/*#__PURE__*/t(o.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"If you're looking to trade hundreds of thousands or even millions of dollars worth of crypto, then it's critical to understand OTC crypto trading.\"}),/*#__PURE__*/e(\"p\",{children:\"It\u2019s a trading method that enables individuals and institutions to lock in the best rates, avoid hefty fees and reduce slippage in the market.\"}),/*#__PURE__*/e(\"p\",{children:\"For an institutional investor, OTC desks provide ways to enter the crypto market safely and reduce technical complexities. Adding to this, high-net worth individuals can also take advantage of more personalized and private trading styles.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"It's the solution that allows you to execute large trades without publicly broadcasting your moves or affecting market prices.\"}),/*#__PURE__*/e(\"h2\",{children:\"What is OTC in crypto?\"}),/*#__PURE__*/e(\"p\",{children:'OTC in crypto stands for \"over the counter.\" It\\'s a crypto trading method that occurs directly between two parties without the need for a public exchange.'}),/*#__PURE__*/e(\"p\",{children:\"Rather than using a conventional exchange platform, an OTC trade is conducted privately, often via an intermediary. Most commonly, a cryptocurrency OTC desk operates as the intermediary, facilitating the trade and providing liquidity away from a traditional order book.\"}),/*#__PURE__*/t(\"p\",{children:[\"It's worth noting the term isn't actually unique to crypto. \",/*#__PURE__*/e(n,{href:\"https://www.investopedia.com/terms/o/otc.asp\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"OTC markets exist\"})}),\" in traditional finance too, where they're used for large trades of stocks, bonds and derivatives.\"]}),/*#__PURE__*/e(\"p\",{children:\"With no need for public order books, this type of transaction often involves a negotiation process. Prices can be discussed directly between the buyer and the seller, but are typically facilitated by the intermediary OTC desk.\"}),/*#__PURE__*/e(\"p\",{children:\"Overall, using an OTC crypto trading desk offers a more discreet and efficient alternative to trading on a public exchange. For large buy and sell orders, you can enjoy flexibility, personalization and even better pricing on your large volume trades.\"}),/*#__PURE__*/t(\"p\",{children:[\"It's an invaluable tool for serious investments in cryptocurrency. Plus, OTC marketplaces can offer deeper \",/*#__PURE__*/e(n,{href:\"https://en.wikipedia.org/wiki/Market_liquidity\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"liquidity\"})}),\" to help facilitate these huge transactions without creating market price moves, while deals can complete more quickly and adaptably than a traditional exchange for large trades.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Why is OTC necessary?\"}),/*#__PURE__*/e(\"p\",{children:\"If the whole idea of blockchain and crypto is its peer-to-peer, accessible design, why do we need OTC?\"}),/*#__PURE__*/e(\"h3\",{children:\"Price slippage\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"415\",src:\"https://framerusercontent.com/images/COrsFr8AxW8zAQthKdVaZG8.png\",srcSet:\"https://framerusercontent.com/images/COrsFr8AxW8zAQthKdVaZG8.png?scale-down-to=512 512w,https://framerusercontent.com/images/COrsFr8AxW8zAQthKdVaZG8.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/COrsFr8AxW8zAQthKdVaZG8.png 1500w\",style:{aspectRatio:\"1500 / 831\"},width:\"750\"}),/*#__PURE__*/t(\"p\",{children:[\"Well, when dealing with large trades in the hundreds of thousands or multi-million dollars, OTC helps reduce direct market impact. For example, a large trade on a public exchange can cause significant \",/*#__PURE__*/e(n,{href:\"https://www.investopedia.com/terms/s/slippage.asp\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"price slippage.\"})})]}),/*#__PURE__*/e(\"p\",{children:\"If millions of dollars were to line up as a single buy order on an exchange, it could push the market price up, causing the buy order to execute at higher prices and temporarily pushing prices up across the exchange. The OTC options stop prices from skyrocketing or plummeting during large transactions.\"}),/*#__PURE__*/e(\"h3\",{children:\"Privacy\"}),/*#__PURE__*/e(\"p\",{children:\"Enhanced privacy is another massive component for large institutions and high-net-worth individuals. On a public exchange, all orders are visible to the public, whereas OTC transactions are carried out in private, being executed behind the scenes.\"}),/*#__PURE__*/e(\"p\",{children:\"This is a way to keep trading strategies confidential from competitors and protect high-net-worth people from becoming targets of fraud and crime.\"}),/*#__PURE__*/e(\"h3\",{children:\"Business use cases\"}),/*#__PURE__*/e(\"p\",{children:\"When it comes to business use cases, many businesses lean on OTC as well, not just crypto traders.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"For example, let's say a Nigerian importer needs to get their NGN into CNY. They could go to an OTC desk like Yellow Card to trade their NGN for USDT, then trade their USDT to USD to CNY and receive it via the SWIFT network.\"}),/*#__PURE__*/e(\"h3\",{children:\"Liquidity\"}),/*#__PURE__*/e(\"p\",{children:\"Liquidity is also critical for large orders. OTC desks offer deeper and more flexible liquidity as they're able to aggregate liquidity from multiple sources. This gives the top OTC desks the ability to handle orders that range from as low as $50,000 up to over $100 million.\"}),/*#__PURE__*/e(\"h2\",{children:\"How does OTC trading work?\"}),/*#__PURE__*/e(\"ol\",{children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"The first step to OTC trading crypto\"}),\" is finding a reputable broker that has a strong track record and is a trusted name in the industry. Most of the major, well-known global exchanges like Coinbase, Kraken or Bitso have dedicated OTC desks\"]})})}),/*#__PURE__*/e(\"p\",{children:\"This allows you to place orders directly within the platform or talk directly to their OTC team to find trades. There are also independent OTC desks like Cumberland and B2C2, which specialize in these types of transactions.\"}),/*#__PURE__*/e(\"ol\",{start:\"2\",children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Once you've chosen a broker,\"}),\" you'll need to complete Know Your Customer (KYC) and Anti-Money Laundering (AML) verifications. This is similar to creating a bank account or traditional financial transactions. You might find that they are more rigorous and in-depth than regular exchanges. The more you're looking to trade, the tighter regulations get as governments look to reduce the effects of money laundering through cryptocurrency and banking rails.\"]})})}),/*#__PURE__*/e(\"ol\",{start:\"3\",children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Once you're verified\"}),\", you'll be able to start getting quotes through your OTC desk. You can request a quote for a specific trading pair and volume. For example, trading $200,000 USD for BTC or 80,000NGN for USDT stablecoin. Most desks will give you an indicative price before a confirmed quote.\"]})})}),/*#__PURE__*/e(\"p\",{children:\"From here, you might engage in a negotiation process between your OTC desk intermediary and other private buyers or sellers. This will allow you to discuss price, payment terms and the settlement timeline. The availability of negotiation does differ from desk to desk; some will allow it, some just offer firm quotes.\"}),/*#__PURE__*/e(\"ol\",{start:\"4\",children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Once settled,\"}),\" funds are transferred via the agreed method. The intermediary desk moves crypto into the buyer's wallet and the seller will receive their crypto or fiat into their relevant \",/*#__PURE__*/e(n,{href:\"https://www.acctual.com/blog/crypto-exchanges-vs-wallets-learn-the-difference\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"wallet or bank account.\"})})]})})}),/*#__PURE__*/e(\"h2\",{children:\"How is OTC different from traditional exchanges or crypto DEXs?\"}),/*#__PURE__*/t(\"p\",{children:[\"Now, you might be reading this and thinking, is this any different from a \",/*#__PURE__*/e(n,{href:\"https://www.acctual.com/blog/fiat-to-crypto\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"normal crypto exchange?\"})}),\" On a normal exchange, you create an order, you select your price and you wait for someone to fill that order.\"]}),/*#__PURE__*/e(\"p\",{children:\"Well, the difference is that these orders are publicly viewable in order books for the whole market to see and react to. OTC trades are negotiated privately, directly between parties and via an intermediary desk. With a public order, you're revealing your trading strategy to the world. OTC offers complete privacy for your strategy and assets.\"}),/*#__PURE__*/e(\"p\",{children:\"The price discovery works differently too. On an exchange, the price is determined by matching orders in the order book. DEXs operate in a similar method but use an automated market maker, an algorithm, for their order books.\"}),/*#__PURE__*/e(\"p\",{children:\"With OTC, the price can be negotiated directly between the buyer and seller based on market conditions. For high-volume trades, you're likely to get a better price in the long run.\"}),/*#__PURE__*/e(\"p\",{children:\"Communication and customization of the service are also improved. On a normal exchange, there's no direct communication between the buying and selling parties, whereas OTC desks can offer direct negotiation between two parties via an intermediary.\"}),/*#__PURE__*/e(\"h2\",{children:\"Different OTC Trading Options\"}),/*#__PURE__*/e(\"h3\",{children:\"Coinbase Prime\"}),/*#__PURE__*/e(\"p\",{children:\"North America's most popular cryptocurrency exchange also offers a spread of institutional services. Coinbase Prime is their OTC brokerage platform specifically for institutions. They do hundreds of billions of quarterly institutional trading volume and can even custody 400+ assets for institutions.\"}),/*#__PURE__*/e(\"h3\",{children:\"Kraken OTC\"}),/*#__PURE__*/e(\"p\",{children:\"Kraken is another global exchange with an OTC desk. It offers white-glove service that\\xa0 operates 24/7; One of the reasons it's become the number one OTC desk in Europe with over 35% market share.\"}),/*#__PURE__*/e(\"h3\",{children:\"Crypto.com\"}),/*#__PURE__*/e(\"p\",{children:\"Crypto.com has integrated OTC trading with their broader ecosystem. For large block trades, they offer competitive pricing and fast settlement options directly in a Crypto.com account.\"}),/*#__PURE__*/e(\"h3\",{children:\"Bitso\"}),/*#__PURE__*/e(\"p\",{children:\"Bitso is Latin America's leading crypto platform. Their OTC desk specializes in the local fiat currencies including MXN, IRS, BRL and USD trading pairs. This gives businesses operating in Latin American markets access to large volume crypto trades combined with local settlement options and regional knowledge.\"}),/*#__PURE__*/e(\"h3\",{children:\"Yellow Card\"}),/*#__PURE__*/e(\"p\",{children:\"Yellow Card Commercial is a leading Africa-focused OTC trading desk. It specializes in African fiat currency trading pairs, including NGN, KES and UGX. It's become essential for institutions and high net worth individuals operating across African markets thanks to its local payment integration and settlement options.\"}),/*#__PURE__*/e(\"h3\",{children:\"B2C2\"}),/*#__PURE__*/e(\"p\",{children:\"B2C2 is one of the oldest OTC desks and has a reputation for tight spreads and inbuilt AI pricing. They offer spot trading in the top crypto and fiat currency pairs via an API, combined with bespoke liquidity and even the ability to borrow and lend funds rapidly for added capital efficiency.\"}),/*#__PURE__*/e(\"h3\",{children:\"Cumberland\"}),/*#__PURE__*/e(\"p\",{children:\"Cumberland comes from a legacy finance background and provides deep, dependable liquidity for cryptocurrency for institutional investors in the digital asset space.\"}),/*#__PURE__*/e(\"h3\",{children:\"Fuze\"}),/*#__PURE__*/e(\"p\",{children:\"Fuze\u2019s OTC desk provides institutional-grade execution and a personalized service for trades starting as little as 25,000 USDT. You can get trading in as little as 24 hours.\"}),/*#__PURE__*/e(\"h3\",{children:\"Rain\"}),/*#__PURE__*/e(\"p\",{children:\"Rain is a tailored OTC trading desk. It uses a broker-dealer network and structures private deals for crypto traders using off-exchange pools of liquidity.\"}),/*#__PURE__*/e(\"h3\",{children:\"Nonco\"}),/*#__PURE__*/e(\"p\",{children:\"Nonco specializes in complex structured products and derivatives and is designed as a counterparty specifically for financial institutions and professional investors.\\xa0\"}),/*#__PURE__*/e(\"h3\",{children:\"OSL\"}),/*#__PURE__*/e(\"p\",{children:\"OSL has a focus on Asia and is based in Hong Kong with a comprehensive suite of institutional brokerage services.\"}),/*#__PURE__*/e(\"h3\",{children:\"FalconX\"}),/*#__PURE__*/e(\"p\",{children:\"FalconX has access to 94% of global digital asset liquidity across more than 400 tokens. It is completely institution-focused with end-to-end white-glove support.\"}),/*#__PURE__*/e(\"h2\",{children:\"Risks of OTC Crypto\"}),/*#__PURE__*/e(\"p\",{children:\"OTC crypto trading has a lot of upsides. Reduced slippage, better rates, bespoke white-glove services\u2026 but it does have some inherent risks. Let\u2019s look at the risks of OTC crypto trading:\"}),/*#__PURE__*/e(\"h3\",{children:\"Counterparty risk\"}),/*#__PURE__*/e(\"p\",{children:\"Number one, there's counterparty risk. No exchange will guarantee or insure trades and there is a high reliance on trust and reputation of your intermediary along with your trading partner.\"}),/*#__PURE__*/e(\"h3\",{children:\"Communication channels\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"848\",src:\"https://framerusercontent.com/images/bZHqosvemHjTCUL7s86RxAE8jNk.png\",srcSet:\"https://framerusercontent.com/images/bZHqosvemHjTCUL7s86RxAE8jNk.png?scale-down-to=512 512w,https://framerusercontent.com/images/bZHqosvemHjTCUL7s86RxAE8jNk.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/bZHqosvemHjTCUL7s86RxAE8jNk.png?scale-down-to=2048 2048w,https://framerusercontent.com/images/bZHqosvemHjTCUL7s86RxAE8jNk.png 3288w\",style:{aspectRatio:\"3288 / 1696\"},width:\"1644\"}),/*#__PURE__*/t(\"p\",{children:[\"While communication is frequent, it often occurs in messaging apps like WhatsApp, Telegram and chatbots, which can create a documentation challenge for some institutions. With messaging occurring outside of normal channels, OTC crypto trades are not always tied into your traditional payment flow or \",/*#__PURE__*/e(n,{href:\"https://www.acctual.com/blog/crypto-accounting\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"accounting systems\"})}),\". But it's important to note that OTC trades are still taxable events.\"]}),/*#__PURE__*/t(\"p\",{children:[\"You need to ensure you're collecting the right documentation for your trades. Be aware that authorities are increasingly tightening scrutiny on large crypto and \",/*#__PURE__*/e(n,{href:\"https://www.acctual.com/blog/usdc-vs-usdt-comparing-the-top-crypto-stablecoins\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"stablecoin\"})}),\" trades. So make sure to keep detailed records.\"]}),/*#__PURE__*/e(\"h3\",{children:\"Regulatory concerns\"}),/*#__PURE__*/e(\"p\",{children:\"For institutions and high net worth individuals, crypto regulations can be confusing in certain jurisdictions. So before engaging with an OTC trade, it's important to seek legal and financial advice to make sure you stay within geographical regulatory requirements.\"}),/*#__PURE__*/e(\"h2\",{children:\"Simplify crypto payments with Acctual\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"1080\",src:\"https://framerusercontent.com/images/QoE890Lud6VyPtgVMsGYzWzgUw.png\",srcSet:\"https://framerusercontent.com/images/QoE890Lud6VyPtgVMsGYzWzgUw.png?scale-down-to=512 512w,https://framerusercontent.com/images/QoE890Lud6VyPtgVMsGYzWzgUw.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/QoE890Lud6VyPtgVMsGYzWzgUw.png?scale-down-to=2048 2048w,https://framerusercontent.com/images/QoE890Lud6VyPtgVMsGYzWzgUw.png 3398w\",style:{aspectRatio:\"3398 / 2160\"},width:\"1699\"}),/*#__PURE__*/e(\"p\",{children:\"If you\u2019re about to start using OTC services for your crypto trading, there\u2019s one crucial piece left to consider. How will you manage your payments and track transactions efficiently?\"}),/*#__PURE__*/t(\"p\",{children:[\"When the numbers get large, \",/*#__PURE__*/e(n,{href:{webPageId:\"Dzm28Wyff\"},motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Acctual keeps your funds and transaction data flowing smoothly.\"})}),\" You can create professional invoices in seconds to get paid crypto straight into your crypto wallet. Or if you\u2019re not interested in holding crypto, that's easy too. Acctual\u2019s flexible payment options allow you to turn incoming crypto into fiat instantly. Funds go directly into your bank account without the need for a crypto wallet.\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"Have bills to pay? Acctual can consolidate both crypto and fiat payments in the same place. You get to pay however you want and your bill is then paid to the recipient in the correct format. For example, if you want to pay in NGN but the bill needs to be sent as CNY\u2026 then Acctual handles all the conversions for you.\"}),/*#__PURE__*/e(\"p\",{children:\"As a large institution, you can use the built-in internal transfer module built specifically for treasury management. It removes the headaches of constant approvals, operational delays and messy tracking. Instead, your team benefits from streamlined fund movements with lightning-fast approvals and a clear record of all transactions. It even works when moving between fiat and stablecoins!\"}),/*#__PURE__*/t(\"p\",{children:[\"Sound like a useful solution to your fiat/crypto treasury management? \",/*#__PURE__*/e(n,{href:\"https://app.acctual.com/signup\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Get started with a free account today.\\xa0\"})})]})]});export const richText2=/*#__PURE__*/t(o.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"So, you've decided to start freelancing. How exciting!\"}),/*#__PURE__*/e(\"p\",{children:\"But it can quickly become overwhelming, even for seasoned professionals who've been doing this for years. They still face the regular challenge of running a complete business while trying to deliver their service to the best quality. That means you've got to do your own marketing, be a salesman, actually deliver the work and manage client relationships.\"}),/*#__PURE__*/t(\"p\",{children:[\"You've got to do everything yourself. And then, finally, the best bit of the job\u2026 getting paid. Except now you have to wade through a whole other world of problems, from deciding how you're going to invoice a client to finding the best payment options for freelancers\",/*#__PURE__*/e(\"strong\",{children:\".\"}),\" It's frustrating and complicated.\"]}),/*#__PURE__*/e(\"p\",{children:\"That's why we've put together this comprehensive guide on how freelancers get paid. So by the end, you\u2019ll have the solution for complete payment flexibility for you and your clients.\"}),/*#__PURE__*/e(\"h2\",{children:\"What is freelancing?\"}),/*#__PURE__*/e(\"p\",{children:\"Freelancing is the term for an individual who provides services on a project basis for clients. Rather than working for one employer with a long-term work commitment, you are able to work with multiple clients.\"}),/*#__PURE__*/e(\"p\",{children:\"This gives you incredible flexibility to choose the type of work you do, the clients you work with and even how much you charge for your services.\"}),/*#__PURE__*/e(\"p\",{children:\"You're essentially an independent contractor, usually delivering a very specific set of skills or expertise. For example, you may offer copywriting services, SEO services, or design services to support businesses and other individuals in achieving their goals.\"}),/*#__PURE__*/t(\"p\",{children:[\"With the huge rise of remote work and the gig economy, many more people are now freelancing. It's an attractive way to live a more flexible life whilst also giving you the opportunity to work with dozens, if not hundreds, of different businesses over the course of your career. In fact, \",/*#__PURE__*/e(n,{href:\"https://www.statista.com/statistics/921593/gig-economy-number-of-freelancers-us/\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Statista projects that by 2027\"})}),\", in the United States alone, there will be nearly 90 million freelancers. That would total more than 50% of the total US workforce.\"]}),/*#__PURE__*/e(\"p\",{children:\"Simply put, the freelance workforce is experiencing unprecedented growth. It's a fundamental shift in how work is getting done and people are getting paid for their skills.\"}),/*#__PURE__*/e(\"h2\",{children:\"Freelancer billing options\"}),/*#__PURE__*/e(\"p\",{children:\"During your freelance career, you'll dramatically change the way you bill your clients over time. At first, it might seem obvious to start billing hourly, just like you were paid for at a normal job, but this can change as you develop your skills and services and understand the best way to bill for your services. Let's go through the different options:\"}),/*#__PURE__*/e(\"h3\",{children:\"Hourly billing\"}),/*#__PURE__*/t(\"p\",{children:[\"Hourly billing is easy to understand. You just charge an hourly rate for the time it takes to do the work. It's the most straightforward way to bill for projects. The hourly rate you can charge depends on the industry and your skills and experience. When starting out, you might start off at a lower rate and slowly increase. It\u2019s common practice, with some reports revealing that \",/*#__PURE__*/e(n,{href:\"https://doubleyourfreelancing.com/should-freelancers-bill-by-the-hour/\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"81% of freelancers choose to bill hourly.\\xa0\"})})]}),/*#__PURE__*/e(\"p\",{children:\"You can expect your hourly rate to be higher than that of a comparative full-time employment job. This is because you're being hired for a very specific skill set. And you've got to remember that to earn the same amount as you would do in an employed job, you need to be charging more to make up for the \u2018unpaid hours\u2019 doing admin and running your business.\"}),/*#__PURE__*/e(\"p\",{children:\"The main downside is that it can incentivize slower work and penalize you for working efficiently as a freelancer.\"}),/*#__PURE__*/e(\"h3\",{children:\"Project billing\"}),/*#__PURE__*/e(\"p\",{children:\"Project billing is charging a fixed fee for the specific deliverables of a project. It removes the idea of how long you spend on a project and focuses on the pure delivery of a particular job or service to a client.\"}),/*#__PURE__*/e(\"p\",{children:\"As you get more efficient at your work and deliver projects in a shorter timeframe, moving to project-based billing will help you get paid more in less time.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Your client knows exactly the upfront cost before you start and as a freelancer, you benefit from efficiency. Just watch out for scope creep, as this can effectively reduce your hourly rate as more work gets added to the project than originally agreed.\"}),/*#__PURE__*/e(\"h3\",{children:\"Per word billing\"}),/*#__PURE__*/e(\"p\",{children:\"This is very common in copywriting and transcription services. Anything word-based can work on a per-word basis.\"}),/*#__PURE__*/e(\"p\",{children:\"This is a great way to bill, as it allows clients to set expectations of how many words are required in a particular piece. Plus, it's easy to calculate the total cost based on your per-word rate.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"It provides clear metrics for both parties and scalable pricing based on the amount of words you're producing. But the downside can be that quantity is overvalued and quality is undervalued. Writers often look to hit word counts rather than deliver top-notch work.\"}),/*#__PURE__*/e(\"h3\",{children:\"Commission work\"}),/*#__PURE__*/e(\"p\",{children:\"Some top freelancers charge commission for their work. They're confident in the results they can get and they essentially take a percentage of any sales or results they achieve. This is particularly prevalent in sales and marketing, where freelancer work directly contributes to sales.\"}),/*#__PURE__*/e(\"p\",{children:\"The benefit here is it aligns the incentives of the freelancer and the client. What\u2019s cool is it offers a freelancer potentially unlimited upside. On the downside, the income is unpredictable and there are a lot of moving factors beyond the freelancer's control.\"}),/*#__PURE__*/e(\"h3\",{children:\"Bounty work\"}),/*#__PURE__*/e(\"p\",{children:\"Plenty of platforms out there that allow you to go and choose from pre-listed projects with set payments. Clients put out job postings requiring a freelancer to complete a project for a set price.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"This is great for freelancers as it sets the budget and the amount they can earn for a successful job immediately. There are no awkward negotiations and sales processes to navigate.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"It's a competitive market, though, with hundreds of people chasing this bounty-style work. This competition often drives project prices lower and lower as people compete solely on price.\"}),/*#__PURE__*/e(\"h2\",{children:\"When do freelancers get paid?\"}),/*#__PURE__*/e(\"p\",{children:\"So, you know your service, you know your pricing model. You've spent hours working out your marketing and sales. The next question is, when do you get paid? Let's look at your options for when to take payment for freelance work:\"}),/*#__PURE__*/e(\"h3\",{children:\"Paying upfront\"}),/*#__PURE__*/e(\"p\",{children:\"The most secure way for freelancers to get paid is full or partial payment before work begins. That way, you're safe in the knowledge that any work completed is already compensated for.\"}),/*#__PURE__*/e(\"p\",{children:\"It can be hard to get clients to pay in full upfront, especially with a minimum track record and a new relationship. Both sides need to create trust in their relationship. But for a freelancer, it ensures 100% commitment from the client. They've paid, so there's no going back on the job or weaselling out of payments after the project. And it's great for cash flow, knowing the money is in your bank ahead of time rather than waiting till the work is complete and then chasing payment.\"}),/*#__PURE__*/e(\"h3\",{children:\"Paying at delivery\"}),/*#__PURE__*/e(\"p\",{children:\"Payment on completion of a project makes sense to a lot of people. It's how we get paid in a normal job at the end of every week or month. We get paid for the hours that we've worked. This might seem like a natural way to do things as a freelancer.\"}),/*#__PURE__*/e(\"p\",{children:\"It's simple to account for and it motivates you to get a job done. It requires a lot of trust because there's always a risk that the client won't pay. Adding to this, your income is sometimes delayed by weeks or even months, which can make cash flow hard on a big project.\"}),/*#__PURE__*/e(\"h3\",{children:\"Milestone payments\"}),/*#__PURE__*/e(\"p\",{children:\"This is a nice balance between payment upfront and payment on completion. Funds are tied to certain deliverables within a project. So when you complete certain tasks, you\u2019ll get paid.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"It provides regular cash flow for you as a freelancer and reduces risk for both sides. That being said, you need to ensure there are clear definitions of your milestones. This method does require additional administration and invoicing time for both parties.\"}),/*#__PURE__*/e(\"h2\",{children:\"Important payment considerations for freelancers\"}),/*#__PURE__*/t(\"p\",{children:[\"New freelancers might not appreciate all the different aspects that come into consideration when getting paid. At a normal job, most things are taken care of by your employer.\\xa0 For freelancing, you have a complete business to run. Here are the critical aspects to consider when establishing the \",/*#__PURE__*/e(\"strong\",{children:\"best way to get paid as a freelancer\"}),\".\"]}),/*#__PURE__*/e(\"h3\",{children:\"Taxes\"}),/*#__PURE__*/e(\"p\",{children:\"You need to remember you are responsible for paying your self-employment tax. You need to plan ahead and understand that any money they earn is likely to be taxed. Of course, every tax rule is different in each country, so get expert advice in your location.\"}),/*#__PURE__*/e(\"p\",{children:\"Make sure to how much tax you're going to pay and set aside that each time you get paid. Plus, if you're working with international clients, it's worth understanding how that affects tax in your country as well.\"}),/*#__PURE__*/e(\"p\",{children:\"Self-employed people are also eligible for deductible business expenses, whether that's office supplies, payments to other subcontractors, travel and equipment like computers.\\xa0\"}),/*#__PURE__*/e(\"h3\",{children:\"Client reliability\"}),/*#__PURE__*/e(\"p\",{children:\"Before starting work with any client, make sure to research them thoroughly. This can be hard with new businesses, but you should do your best to check that the person who is hiring you has a track record of reliable payments, is communicative and is easy to get along with.\"}),/*#__PURE__*/e(\"p\",{children:\"It's often a good practice to start with a smaller project to test out the working relationship. This will make sure both parties get on nicely before embarking on bigger, longer-term projects.\"}),/*#__PURE__*/e(\"p\",{children:\"Keep an eye out for red flags right from the off, such as excessive haggling or unclear scope of work, communication delays, or anything that doesn't sit right with you.\"}),/*#__PURE__*/e(\"h3\",{children:\"Consider contracts\"}),/*#__PURE__*/t(\"p\",{children:[\"To protect both parties, it's a good idea to put a contract in place. A written agreement that spells out exactly what's expected from both parties and the scope of the project. It should also include specific details on the deliverables, the timeline and the \",/*#__PURE__*/e(\"strong\",{children:\"payment options for freelancers\"}),\".\"]}),/*#__PURE__*/e(\"p\",{children:\"As you expand your service, you'll likely start to include clauses for a number of revisions, late payment penalties and cancellations.\\xa0\"}),/*#__PURE__*/e(\"h3\",{children:\"Setting expectations\"}),/*#__PURE__*/e(\"p\",{children:\"During the initial sales and onboarding process, it's important to be very clear about the process, deliverables and timelines for your projects. Don't overcommit to projects just to try and win a client. If you are giving unrealistic timelines or pricing, it's going to lead to a frustrating experience with the client as you overpromise and under-deliver.\"}),/*#__PURE__*/e(\"p\",{children:\"Keep the communication channels open to make sure there are no misunderstandings. This will help both sides know exactly where they are on a project. Don't be afraid to address scope changes immediately with revised terms and payment options rather than just saying yes to everything a client does.\"}),/*#__PURE__*/e(\"h2\",{children:\"How to get paid as a freelancer\"}),/*#__PURE__*/e(\"p\",{children:\"Finally, you've got your contracts in place, you've worked out your project pricing, you've got the thumbs up and the client has signed on the dotted line. Now, it's time to start invoicing. So, how do freelancers get paid? Well, there are several different options, from bank transfers to crypto payments and all have their pros and cons to understand.\"}),/*#__PURE__*/e(\"h3\",{children:\"Bank transfers\"}),/*#__PURE__*/e(\"p\",{children:\"A bank transfer is simply a direct account-to-account money movement. The client sends money directly from their bank account to your bank account. This is really good for domestic transfers, which in many countries can be processed within one to three days. In others, they can be almost instant and even be completely free of charge.\"}),/*#__PURE__*/e(\"p\",{children:\"It is a simple direct deposit without interference from unnecessary third parties, payment fees and setting up new online payment portals.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"On the downside, it can be time-consuming for clients to input and set up payments within their bank accounts. Then, if a payment error is made to the wrong bank account, it can be hard to retrieve or cancel.\"}),/*#__PURE__*/e(\"p\",{children:\"It\u2019s terrible for international transfers too. Moving money across borders and exchanging currencies can be very costly and slow through the traditional banking system. This ends up eating heavily into your profits and cash flow. Not good.\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Ideal for:\"}),\" Freelancers with domestic clients, those handling larger payments where percentage-based fees would be substantial and those who want direct deposits without third parties involved.\"]}),/*#__PURE__*/e(\"h3\",{children:\"Credit or debit cards\"}),/*#__PURE__*/e(\"p\",{children:\"You could set yourself up so that clients can pay you directly using their card. For freelancers who work directly with a client in person, perhaps something like a personal trainer, you use a payment processor, card machine, or invoicing system that accepts cards.\"}),/*#__PURE__*/e(\"p\",{children:\"Adding to this, you could use a digital payment platform that allows you to accept card payments through a specialist invoicing system. The client can fill out their card details and pay you just like you would do for an e-commerce shopping experience.\"}),/*#__PURE__*/e(\"p\",{children:\"On the downside, you need to pay large processing fees, which for freelancers can be 2 or 3% of the payment. This cuts into your profit margin. There's also potential for chargebacks along with time to set up all of the correct systems and linking to your bank accounts.\"}),/*#__PURE__*/e(\"p\",{children:\"Overall, it's quite a convenient and instant way for clients to pay you, but it can be expensive.\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Ideal for:\"}),\" Freelancers who meet clients in person, those whose clients expect card payment options and those who need immediate payment processing.\"]}),/*#__PURE__*/e(\"h3\",{children:\"Wire transfers\"}),/*#__PURE__*/e(\"p\",{children:\"Wire transfers are particularly secure and useful for larger payments. It\u2019s worth considering if you're working on a large project, particularly with international clients. When a client sends you a payment via wire transfer, the funds move directly between banks through a secure network.\"}),/*#__PURE__*/e(\"p\",{children:\"They can typically be faster than standard bank transfers and they're difficult to reverse once sent. Positive for freelancers as it's hard for the client to reverse and take their money back. Extra peace of mind for you as a freelancer.\"}),/*#__PURE__*/t(\"p\",{children:[\"The major drawback is the cost. Wire transfers typically come with significant fees, often ranging from \",/*#__PURE__*/e(n,{href:\"https://www.nerdwallet.com/article/banking/wire-transfers-what-banks-charge\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"$20-50 per transaction\"})}),\", sometimes charged to both the sender and recipient. This makes it prohibitively expensive for most.\\xa0 The fixed fee structure makes it a no-go for smaller payments. It is a cumbersome, expensive way to get paid as a freelancer.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Ideal for:\"}),\" Freelancers handling large payments (typically over $1,000), those doing high-value projects with international clients and situations where payment security is critical.\"]}),/*#__PURE__*/e(\"h3\",{children:\"Online payment services\"}),/*#__PURE__*/t(\"p\",{children:[\"Online payment services have flourished over the last decade, particularly as the world does more remote work online. As we already know, freelance work is growing exponentially. You'll have heard of services like PayPal, Stripe, Venmo and others. Well, \",/*#__PURE__*/e(n,{href:\"https://www.statista.com/statistics/895236/australia-market-share-online-payment-platforms/\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"PayPal leads the market with a more than 45% share\"})}),\", followed up by Stripe, which has around 17% of the market share.\"]}),/*#__PURE__*/e(\"p\",{children:\"These are both great online payment services that work well both on web and mobile devices. They serve as intermediaries that facilitate payments between you and your clients. Typically, you can access various ways to get paid, from simple payment links to sophisticated invoicing systems. Most even offer credit card processing, direct bank transfers and even their own bank accounts.\"}),/*#__PURE__*/e(\"p\",{children:\"They make for a really well-rounded and simple way to take money from all over the world, both domestic and international transfers. You can even use handy currency conversion features built straight into the platforms.\"}),/*#__PURE__*/e(\"p\",{children:\"Plus, they add an extra element of trust with these well-known names and logos on your invoices. Simply put, they're user-friendly and fast.\"}),/*#__PURE__*/e(\"p\",{children:\"There is a big downside to these payment gateways for freelancers! The massive fees. At every turn, payment services take a chunk of your money, from transfer fees to currency exchange fees to withdrawal fees. The totals add up really quickly, which frustrates a lot of freelancers.\"}),/*#__PURE__*/e(\"p\",{children:\"You're also reliant on a middleman and it's not uncommon for accounts to be frozen, locking your funds until you can reactivate your accounts. That\u2019s devastating for cash flow.\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Ideal for: \"}),\"Freelancers with international clients, those who need integrated invoicing features and freelancers whose clients expect multiple payment options.\"]}),/*#__PURE__*/e(\"h3\",{children:\"Checks\"}),/*#__PURE__*/e(\"p\",{children:\"Checks aren't so common anymore. They're the traditional paper-based payment method, which doesn't work so well for digital freelancers. But for in-person clients, they might still be relevant as they require physical delivery and then a bank deposit.\"}),/*#__PURE__*/e(\"p\",{children:\"With checks, there are no processing fees and for more traditional clients, it's might still their preferred payment method. However, processing can be slow, taking five or more days to end up in your bank account after deposit. Checks can also go missing and increasingly become outdated or not even a viable option for international clients.\"}),/*#__PURE__*/e(\"p\",{children:\"Overall, while it can be cheap, it is a slow outdated process to use.\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Ideal for:\"}),\" Freelancers working with traditional businesses or government clients, those handling larger amounts where processing fees would be substantial and those who don't need immediate access to funds.\"]}),/*#__PURE__*/e(\"h3\",{children:\"In-person payments with cash\"}),/*#__PURE__*/e(\"p\",{children:\"This is a simple one. Again requires face-to-face interaction between the client and the freelancer. The client simply pays your invoice directly in cash. This gives you immediate access to your funds. There are no processing fees. And for some people, they don't want a digital trail\u2026\"}),/*#__PURE__*/e(\"p\",{children:\"It's obviously very, very limited to local clients and honestly makes tracking for accounting purposes more cumbersome. For large payments, it is completely impractical.\"}),/*#__PURE__*/e(\"p\",{children:\"Cash is king? Well, maybe not these days.\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Ideal for: \"}),\"Freelancers working with local clients in person, those offering services like tutoring or coaching and situations where payment amounts are relatively small.\"]}),/*#__PURE__*/e(\"h3\",{children:\"Crypto\"}),/*#__PURE__*/e(\"p\",{children:\"Did you know it's now possible to accept payments from anywhere in the world using digital currency via blockchain technology?\"}),/*#__PURE__*/t(\"p\",{children:[\"It's becoming an increasingly popular alternative payment trend, particularly for digital workers who don't want to deal with the expense and frustration of \",/*#__PURE__*/e(n,{href:\"https://www.acctual.com/blog/cross-border-payments-in-crypto-stablecoins-blockchain-solutions\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"cross-border payments.\"})})]}),/*#__PURE__*/e(\"p\",{children:\"Crypto payments are borderless transactions. Any person or business can send cryptocurrency directly to another person in the world. All without the need for a middleman bank or a payment processor.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"The funds move directly from one crypto wallet to another. And a lot of the time, payments can be instant or be settled within minutes rather than days. All costing just a few cents to make the transaction.\"}),/*#__PURE__*/e(\"p\",{children:\"It delivers complete global accessibility, lower fees for international transfers and even the ability to make crypto investments along the way.\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"Price volatility can be a problem in certain cryptocurrencies. Although \",/*#__PURE__*/e(n,{href:\"https://www.acctual.com/blog/usdc-vs-usdt-comparing-the-top-crypto-stablecoins\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"stablecoins like USDT and USDC\"})}),\" make a great alternative to this. These two stablecoins act as a digital dollar, always pegged one-to-one to the US dollar. These are the top choices for cryptocurrencies that can be sent across the world in seconds for almost no cost.\"]}),/*#__PURE__*/t(\"p\",{children:[\"The only thing putting a lot of people off from crypto payments are technical learning curves and client pushback. But where there's a will, there's a way\u2026 \",/*#__PURE__*/e(\"strong\",{children:\"That's why Acctual exists\"}),\".\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Ideal for: \"}),\"Freelancers working with international clients, those frustrated with traditional banking fees and delays and those comfortable with digital technologies who want faster global payments.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Getting paid as a freelancer with Acctual\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"574\",src:\"https://framerusercontent.com/images/CDwPe959rwQSQvEPMkflsqMvY.png\",srcSet:\"https://framerusercontent.com/images/CDwPe959rwQSQvEPMkflsqMvY.png?scale-down-to=512 512w,https://framerusercontent.com/images/CDwPe959rwQSQvEPMkflsqMvY.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/CDwPe959rwQSQvEPMkflsqMvY.png 1600w\",style:{aspectRatio:\"1600 / 1148\"},width:\"800\"}),/*#__PURE__*/e(\"p\",{children:\"Acctual modernizes the approach to freelance payment methods. It provides all the best features of traditional payment systems blended with the advantages of cryptocurrency. It's a hybrid payment solution.\"}),/*#__PURE__*/e(\"p\",{children:\"\u201CI\u2019ve never experienced anything as seamless as sending an invoice, getting paid via bank transfer and having the funds land directly in my crypto wallet stress free!\u201D \u2014Abasiubong, Marketing Leader\"}),/*#__PURE__*/e(\"p\",{children:\"The challenges of getting paid as a freelancer when working across borders disappear. With Acctual, freelancers can create professional invoices in minutes and clients enjoy complete payment flexibility.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"For example, a client can pay in Dollars or Euros while a freelancer receives funds in their preferred method. Or the client could pay you in stablecoins and you could get paid out automatically in dollars or euros.\"}),/*#__PURE__*/e(\"p\",{children:\"It's complete flexibility, particularly for freelancers who struggle with complex payment systems.\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"Acctual gives multiple options for freelancers to \",/*#__PURE__*/e(n,{href:\"https://www.acctual.com/\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"receive payment for freelance work:\"})})]}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Direct crypto payments into your crypto wallet\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Let clients pay in stablecoins and get dollars deposited direct to your bank (or vice versa)\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Plus, there are built-in tracking and management tools that integrate with your current accounting systems.\"})})]}),/*#__PURE__*/t(\"p\",{children:[\"Acctual even offers a \",/*#__PURE__*/e(n,{href:\"https://cryptoinvoice.new/\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"free crypto invoice generator\"})}),\" for you to try out without any commitment. While the full system gives enhanced features like invoice tracking and automated emails to streamline your whole payment process.\"]}),/*#__PURE__*/e(\"p\",{children:\"So whether you're a UX designer in Argentina, a virtual assistant in the Philippines, or a brand designer in Ukraine, you can enjoy Acctual's borderless payment system without the frustrating boundaries of getting paid. It's simply the best way to get paid as a freelancer who works with clients around the world.\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:\"https://app.acctual.com/signup\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Sign up today\"})}),\" for a free account and streamline your international freelancer payment platforms.\"]})]});export const richText3=/*#__PURE__*/t(o.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"International money transfers are still so complicated. We live in a world where you can do business with anyone, in any country, at any time. But getting paid across borders isn't as simple as it should be.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"There's so many different payment options to choose from now. Even if you think you\u2019ve found a good one, you might be frustrated with the limitations of the services.\"}),/*#__PURE__*/e(\"p\",{children:\"Even companies like Wise, which is a reliable and trusted platform, may not offer all the features you need to manage your global payments and invoicing efficiently. When payment options are inflexible and invoicing is cumbersome, it adds yet more inefficiency to your workflow. Ultimately, it hinders your business growth.\"}),/*#__PURE__*/e(\"p\",{children:\"That's why Acctual exists. It's the leading alternative to Wise, which offers a powerful suite of features designed for modern businesses who want to accept global payments. There's flexible multi-currency payments, invoice management and accounting integration, all with advanced security features.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Everything you need to streamline your financial operations and focus on growing your business.\"}),/*#__PURE__*/e(\"h2\",{children:\"What is Wise?\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"771\",src:\"https://framerusercontent.com/images/vk7Ld56vosr5ozNvzknCVCfE9A.png\",srcSet:\"https://framerusercontent.com/images/vk7Ld56vosr5ozNvzknCVCfE9A.png?scale-down-to=512 512w,https://framerusercontent.com/images/vk7Ld56vosr5ozNvzknCVCfE9A.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/vk7Ld56vosr5ozNvzknCVCfE9A.png?scale-down-to=2048 2048w,https://framerusercontent.com/images/vk7Ld56vosr5ozNvzknCVCfE9A.png 2482w\",style:{aspectRatio:\"2482 / 1542\"},width:\"1241\"}),/*#__PURE__*/e(\"p\",{children:\"Wise was originally known as TransferWise before rebranding in 2021. It's a fintech company that specializes in international money transfers. Founded in 2011, Wise was revolutionary in the way people send and receive money across the world. It grew its brand on low-cost, transparent and fast transfer services with an aim to reshape the old financial system into a new one.\"}),/*#__PURE__*/e(\"p\",{children:\"As a user of Wise, you can hold, send, receive funds and quickly convert money into multiple currencies. So it's a handy tool for both personal and business use.\"}),/*#__PURE__*/e(\"h3\",{children:\"Services provided by Wise\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"International money transfers allow you to send money to over 80 countries with low fees and live exchange rates.\\xa0\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Multi-currency accounts mean you can hold and manage money in multiple currencies within your Wise account, like having multiple bank accounts which you can use to exchange money between multiple currencies instantly.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[\"A borderless credit card\",/*#__PURE__*/e(\"strong\",{children:\" \"}),\"is available so you can spend money globally with a Wise debit card and it automatically converts currencies at the best rates during the transaction.\\xa0\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Wise can offer batch payments, multi-currency accounts and direct integration into accounting software.\"})})]}),/*#__PURE__*/e(\"p\",{children:\"Overall, you can't deny that Wise offers some great features. It is significantly more modern and cheaper than traditional banks for international money transfers. It's transparent too, with users able to see the exact fees and exchange rates before making a transfer, ensuring fewer hidden costs. As for its speed, most money transfers are completed within one business day, even for international payments.\"}),/*#__PURE__*/e(\"p\",{children:\"Now, while Wise is a powerful tool, it might not fulfill all the needs you're looking for in your invoicing and money transfers, particularly for global payments. There are often reports of limited customer support for smaller transfers and there are limits on certain countries where Wise is available to use. Adding to this, it doesn't currently support any crypto-to-crypto or crypto-to-fiat payments.\"}),/*#__PURE__*/e(\"p\",{children:\"For example, there's no inbuilt feature to use stablecoins for cross-border payments. Adding to this, the way Wise works, they keep most of the funds within their ecosystem, similar to a bank. Users are left at the mercy of account freezes while having to manage added money maneuvers between Wise and traditional banking systems.\"}),/*#__PURE__*/e(\"p\",{children:\"If you're frustrated with the inflexibility of Wise features and you're looking for a great alternative to Wise, that's where Acctual comes into play.\"}),/*#__PURE__*/e(\"h2\",{children:\"Acctual: The best Wise alternative\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"720\",src:\"https://framerusercontent.com/images/HYiILX6pXWLfRBR2C2QyHTEWKcA.png\",srcSet:\"https://framerusercontent.com/images/HYiILX6pXWLfRBR2C2QyHTEWKcA.png?scale-down-to=512 512w,https://framerusercontent.com/images/HYiILX6pXWLfRBR2C2QyHTEWKcA.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/HYiILX6pXWLfRBR2C2QyHTEWKcA.png?scale-down-to=2048 2048w,https://framerusercontent.com/images/HYiILX6pXWLfRBR2C2QyHTEWKcA.png 2560w\",style:{aspectRatio:\"2560 / 1440\"},width:\"1280\"}),/*#__PURE__*/e(\"p\",{children:\"Acctual is the most flexible way to get paid in any currency. It's unparalleled in its versatility for cross-border and cross-currency payments. You can work in fiat-to-fiat currency payments or even integrate stablecoin cryptocurrencies.\"}),/*#__PURE__*/e(\"p\",{children:\"What makes it different from Wise is how the accounts function. With Wise you have to manage multi currency accounts, continually moving money between them. For example, when a client pays in Euros it goes into a Euro account and you\u2019re left to manually convert it into a Dollar account.\"}),/*#__PURE__*/e(\"p\",{children:\"In contrast, Acctual\u2019s account exist solely for your client\u2019s convenience, so they can pay in their preferred way. Then you just select the currency you want to receive and everything happens automatically.\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"For example, a customer can pay in Dollars or Euros and you can get paid in crypto stablecoins. Or vice versa, a customer could pay you in a \",/*#__PURE__*/e(n,{href:\"https://www.acctual.com/blog/usdc-vs-usdt-comparing-the-top-crypto-stablecoins\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"stablecoin like USDT\"})}),\" and you could get paid out automatically to your bank account in fiat currency like Dollars or Euros.\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"No need to manage several multi currency accounts. Your clients enjoys the simplicity of paying how they prefer and you receive funds exactly how you want them.\\xa0\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"This is a leap forward for modern businesses that are operating in multiple markets and across borders. The headaches of global payments disappear as you handle varying currency transfers almost automatically. Acctual even works for businesses in locations where Wise doesn\u2019t operate, such as Nigeria, UAE, and India.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Businesses realize the ability to work with international clients without continual worries about currency conversion issues and fees. In short, Acctual is super convenient for simplifying the payment process between vendors and clients. The easier it is for clients to pay, the faster you get paid. Ultimately, that leads to improved cash flow for your business.\"}),/*#__PURE__*/e(\"h3\",{children:\"Simple signup flow\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:\"https://guides.acctual.com/guide/getting-started\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"You can get started\"})}),\" with Acctual in minutes and even integrate your accounting system. The signup process is designed to be swift and user-friendly. In 10 seconds you can sign up via your Google account or manually with an email and password. Once signed in, Acctual guides you through a personalized onboarding experience.\"]}),/*#__PURE__*/e(\"p\",{children:\"To make sure you get the smooth payments you need, you can select between an individual account, which is ideal for freelancers and sole proprietors. Or choose a business account for registered companies and entities.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Once you\u2019ve defined your business and personal/business information, you can start picking your features! There\u2019s no credit card required to choose your plan, which includes:\\xa0\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Free: Great for individuals getting started\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Growth Plan: Includes automation and batch payments\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Company Plan: Advanced approvals and integrations\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Enterprise Plan: Custom solutions for large-scale operations\"})})]}),/*#__PURE__*/e(\"p\",{children:\"Then, you can hook up your accounting system like QuickBooks and Xero, and you\u2019re ready to go.\\xa0\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"So, in just a few clicks, you can start using the platform. Minimal time, minimal effort. Plus, complete integration ensures financial data is automatically synchronized across all your systems. There's no need for manual entry or human errors.\"}),/*#__PURE__*/e(\"h3\",{children:\"Powerful invoice creation\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"964\",src:\"https://framerusercontent.com/images/7Vj3hVGvSIgCIFT69rbBBk76Kjk.png\",srcSet:\"https://framerusercontent.com/images/7Vj3hVGvSIgCIFT69rbBBk76Kjk.png?scale-down-to=512 512w,https://framerusercontent.com/images/7Vj3hVGvSIgCIFT69rbBBk76Kjk.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/7Vj3hVGvSIgCIFT69rbBBk76Kjk.png?scale-down-to=2048 2048w,https://framerusercontent.com/images/7Vj3hVGvSIgCIFT69rbBBk76Kjk.png 2880w\",style:{aspectRatio:\"2880 / 1928\"},width:\"1440\"}),/*#__PURE__*/t(\"p\",{children:[\"There's no need to use a separate invoicing tool either. Within Acctual, there's \",/*#__PURE__*/e(n,{href:\"https://guides.acctual.com/guide/send-an-invoice/create-send-an-invoice\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"an invoice creation tool that is completely flexible\"})}),\". You can create an invoice that meets your standards, whether you're a small business or a large organization. It\u2019s invoicing that actually meets your needs.\"]}),/*#__PURE__*/e(\"p\",{children:\"Invoices can be tailored as well to reflect your brand and the requirements of your organization. From the invoices page, you can create a new invoice with a single click. It will automatically be filled with your branding, company name, email, address and tax numbers. Then, simply add customer details. For repeat clients, just select them from the dropdown menu. Or choose to add a new customer.\\xa0\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"The final step is to add the item and price details along with payment details and terms. Here, you can define the payment methods available, including crypto or fiat. These can even include flexible or multiple payment methods, so your clients can pay however they want.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"What makes Accutal stand out from Wise and other alternatives is the removal of invoicing payment barrier. Traditionally, both parties need to be aligned on their payment methods, particularly with stablecoins. With Acctual, you don\u2019t need to agree on the asset and blockchain. Instead, the client can choose how they want to pay and you receive payment straight into your desired wallet or bank account.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"When ready with your preferred payment methods added, send the invoice directly to the client with a payment link or save it to send later. It\u2019s up to you.\"}),/*#__PURE__*/e(\"h3\",{children:\"Complete invoice management\"}),/*#__PURE__*/t(\"p\",{children:[\"You don't get left high and dry after you've created an invoice, either. Acctual has robust \",/*#__PURE__*/e(n,{href:\"https://guides.acctual.com/guide/send-an-invoice/manage-invoices\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"invoice management features\"})}),\" so you can keep track of everything in real-time. Your team can resend, mark as paid, or void invoices with just a click of a button.\"]}),/*#__PURE__*/e(\"p\",{children:\"Throughout the payment process, this keeps you incredibly organized so you can keep track of outstanding invoices and payments. There's complete flexibility with multiple options for managing your invoices. It ensures that you can handle various scenarios that your clients throw at you.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Should you need to resend an invoice, you can click to deliver another email, copy a payment link, or download a PDF to deliver manually. Payment received elsewhere? Make an invoice as paid, along with notes and links to the payments to help reconcile your accounts. For cancellations, you can quickly void and add a memo with the reason.\\xa0\"}),/*#__PURE__*/e(\"h3\",{children:\"Bill payment\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"965\",src:\"https://framerusercontent.com/images/Kz9cvCVCutj7xHLu2Abr9lbyVcA.png\",srcSet:\"https://framerusercontent.com/images/Kz9cvCVCutj7xHLu2Abr9lbyVcA.png?scale-down-to=512 512w,https://framerusercontent.com/images/Kz9cvCVCutj7xHLu2Abr9lbyVcA.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/Kz9cvCVCutj7xHLu2Abr9lbyVcA.png?scale-down-to=2048 2048w,https://framerusercontent.com/images/Kz9cvCVCutj7xHLu2Abr9lbyVcA.png 2884w\",style:{aspectRatio:\"2884 / 1930\"},width:\"1442\"}),/*#__PURE__*/t(\"p\",{children:[\"Got endless bills to keep paying? Well, Acctual isn\u2019t just an invoicing tool, \",/*#__PURE__*/e(n,{href:\"https://guides.acctual.com/guide/pay-a-bill/pay-a-bill-from-wallet\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"it covers bills too.\"})})]}),/*#__PURE__*/e(\"p\",{children:\"You can upload and pay bills directly from your wallet. Either add a bill from the dashboard or even forward invoices to a specialized email address to add them to your account. So no more fiddling with getting bills out of your email into your payment system.\"}),/*#__PURE__*/e(\"p\",{children:\"The Acctual system autofills the vendor, invoice number, invoice date, due date and payment amount to give complete accuracy. Plus, you can add manual fields for added flexibility.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Then, it's easy to connect your wallet and pay your bill in just a few clicks with everything logged in your accounting journal. Simply open up the bill, hit pay, connect your wallet and choose the transaction asset. Sign the transaction via your wallet and Acctual takes care of the rest. You\u2019ll see everything recorded in your accounting journal.\"}),/*#__PURE__*/e(\"h3\",{children:\"Fund transfers\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"720\",src:\"https://framerusercontent.com/images/efl1uaJPaw6q7H2r12jSY5tetsE.png\",srcSet:\"https://framerusercontent.com/images/efl1uaJPaw6q7H2r12jSY5tetsE.png?scale-down-to=512 512w,https://framerusercontent.com/images/efl1uaJPaw6q7H2r12jSY5tetsE.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/efl1uaJPaw6q7H2r12jSY5tetsE.png?scale-down-to=2048 2048w,https://framerusercontent.com/images/efl1uaJPaw6q7H2r12jSY5tetsE.png 2560w\",style:{aspectRatio:\"2560 / 1440\"},width:\"1280\"}),/*#__PURE__*/t(\"p\",{children:[\"We all have to manage so many different currencies these days, from different global fiat currencies to borderless cryptocurrencies like USDC and USDT. With Acctual, you can \",/*#__PURE__*/e(n,{href:\"https://guides.acctual.com/guide/payments/transfer-funds\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"transfer funds between different accounts\"})}),\" in seconds or even move across blockchains.\"]}),/*#__PURE__*/e(\"p\",{children:\"So you can go from one crypto wallet to another or between crypto and fiat accounts smoothly. You can even use the once click transfer feature to move funds across chains and bank accounts.\"}),/*#__PURE__*/e(\"p\",{children:\"With the one click transfer feature, you could have US Dollars and convert it into USDC on Ethereum. Or could instantly switch USDC from Ethereum to Polygon. You have complete control over your finances across all your accounts.\"}),/*#__PURE__*/e(\"p\",{children:\"The process is incredibly straightforward. You select your source, choose the destination, enter the amount and confirm the transfer. Adding to this, everything is tracked in the Transfers tab so you can keep an eye on status and completion.\\xa0\"}),/*#__PURE__*/e(\"h3\",{children:\"Made for Teams\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"720\",src:\"https://framerusercontent.com/images/e8wwy1vygzUeCNzaLwAYWVJCQw.png\",srcSet:\"https://framerusercontent.com/images/e8wwy1vygzUeCNzaLwAYWVJCQw.png?scale-down-to=512 512w,https://framerusercontent.com/images/e8wwy1vygzUeCNzaLwAYWVJCQw.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/e8wwy1vygzUeCNzaLwAYWVJCQw.png?scale-down-to=2048 2048w,https://framerusercontent.com/images/e8wwy1vygzUeCNzaLwAYWVJCQw.png 2560w\",style:{aspectRatio:\"2560 / 1440\"},width:\"1280\"}),/*#__PURE__*/t(\"p\",{children:[\"Acctual is built to support growing businesses. That means team collaboration is built into the fabric of the platform. You can \",/*#__PURE__*/e(n,{href:\"https://guides.acctual.com/guide/add-a-team-member\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"add and invite team members\"})}),\" and manage permissions from the settings page.\"]}),/*#__PURE__*/e(\"p\",{children:\"It makes teamwork easy and ensures everyone has access to the required financial data to do their job efficiently. Plus, admins have complete control over the access, so sensitive information can be protected where necessary. As your team changes, you won\u2019t have to worry about complex password management. Just quickly invite and edit roles from the simple settings page.\\xa0\"}),/*#__PURE__*/e(\"h3\",{children:\"Contact management\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"720\",src:\"https://framerusercontent.com/images/28c4ipsXl2HYZSqLVXhWifLBBIc.png\",srcSet:\"https://framerusercontent.com/images/28c4ipsXl2HYZSqLVXhWifLBBIc.png?scale-down-to=512 512w,https://framerusercontent.com/images/28c4ipsXl2HYZSqLVXhWifLBBIc.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/28c4ipsXl2HYZSqLVXhWifLBBIc.png?scale-down-to=2048 2048w,https://framerusercontent.com/images/28c4ipsXl2HYZSqLVXhWifLBBIc.png 2560w\",style:{aspectRatio:\"2560 / 1440\"},width:\"1280\"}),/*#__PURE__*/t(\"p\",{children:[\"Managing payment relationships with clients can get messy quickly, particularly for complex jobs that have multiple payments in and out. Acctual gives you a complete home for \",/*#__PURE__*/e(n,{href:\"https://guides.acctual.com/guide/manage-contacts\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"managing relationships with clients\"})}),\" so you can keep track of all your contacts and their relevant payments.\"]}),/*#__PURE__*/e(\"p\",{children:\"Everything is centralized to reduce the risk of losing important details. You can enjoy adding another layer of efficiency to your process, streamlining communications between your business, clients and vendors.\"}),/*#__PURE__*/e(\"p\",{children:\"On the contact page, quickly add new content, including name, email address, payment details and billing address. Plus, link the contact to QuickBooks or Xero to help automate your reconciliation process. With contacts ready to go, it becomes straightforward to start creating invoices and paying bills. If you stop working with a contact, you can archive the details for future reference instead of deleting them.\"}),/*#__PURE__*/e(\"h3\",{children:\"Free invoice generator\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"956\",src:\"https://framerusercontent.com/images/i6vaq93XxoZ2KqPgsHZQ7fwwbmU.png\",srcSet:\"https://framerusercontent.com/images/i6vaq93XxoZ2KqPgsHZQ7fwwbmU.png?scale-down-to=512 512w,https://framerusercontent.com/images/i6vaq93XxoZ2KqPgsHZQ7fwwbmU.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/i6vaq93XxoZ2KqPgsHZQ7fwwbmU.png?scale-down-to=2048 2048w,https://framerusercontent.com/images/i6vaq93XxoZ2KqPgsHZQ7fwwbmU.png 2428w\",style:{aspectRatio:\"2428 / 1912\"},width:\"1214\"}),/*#__PURE__*/t(\"p\",{children:[\"For those who want to get started quickly with Acctual, you can use the \",/*#__PURE__*/e(n,{href:\"https://cryptoinvoice.new/\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"free invoice generator tool\"})}),\" that allows you to create invoices quickly without even needing an account. Anyone can start creating invoices immediately with complete flexibility. It supports crypto payments and fiat payments right from the off. It's a modern payment system available to everyone, accessible to everyone.\"]}),/*#__PURE__*/e(\"p\",{children:\"Without creating an account, you can add your invoice details, including currency, items, taxes and price. When adding your client email, the invoice generator will start to autofill the billing details. Instantly, the invoice is customized with the client's billion details and even their logo! All that\u2019s left to do is add your payment methods and terms before sending or downloading the invoice.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"So you could be sending bespoke invoices payable in fiat or crypto in less time than it takes to make a cup of coffee.\"}),/*#__PURE__*/e(\"h3\",{children:\"Multi-sig payments for crypto companies\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"968\",src:\"https://framerusercontent.com/images/RZPW4MZcAKjDvUTKbRKE2q0E0.png\",srcSet:\"https://framerusercontent.com/images/RZPW4MZcAKjDvUTKbRKE2q0E0.png?scale-down-to=512 512w,https://framerusercontent.com/images/RZPW4MZcAKjDvUTKbRKE2q0E0.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/RZPW4MZcAKjDvUTKbRKE2q0E0.png?scale-down-to=2048 2048w,https://framerusercontent.com/images/RZPW4MZcAKjDvUTKbRKE2q0E0.png 2894w\",style:{aspectRatio:\"2894 / 1936\"},width:\"1447\"}),/*#__PURE__*/t(\"p\",{children:[\"Security is critical when it comes to crypto. Once a payment is made, there's no going back, which is why Acctual has inbuilt multi-sig payments. It's an ideal solution for crypto companies that rely on \",/*#__PURE__*/e(n,{href:\"https://guides.acctual.com/guide/pay-a-bill/pay-bills-from-a-safe\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"multi-sig treasuries powered by Safe\"})}),\".\"]}),/*#__PURE__*/e(\"p\",{children:\"So you can create and pay bills from Safe directly in the system in Acctual. Again, you can quickly add bills to your account with all the accurate details. If your Safe requires multiple signatures, the bill payment will show that it requires certain signatures. Then, other signers can simply log in and sign from Acctual or the Safe app.\"}),/*#__PURE__*/e(\"p\",{children:\"It delivers enhanced security for crypto transactions and provides a trusted method for managing large sums of money in your business.\"}),/*#__PURE__*/e(\"h3\",{children:\"How to choose the right payment software for you\"}),/*#__PURE__*/e(\"p\",{children:\"When choosing payment software, there's a jungle of information to untangle. You have to find the features you need. You have to understand the sneaky fees and you have to understand whether it even works in your country. Let\u2019s look at the key decisions and how Acctual compares.\\xa0\"}),/*#__PURE__*/e(\"h3\",{children:\"Fees and pricing\"}),/*#__PURE__*/e(\"p\",{children:\"Before committing to a payment software, take the time to learn the fees. Most platforms, even Wise, have a complex fee structure. Every type of payment has a different cost associated. That\u2019s before even considering currency transfers and withdrawals!\"}),/*#__PURE__*/e(\"p\",{children:\"Acctual is completely transparent with the pricing, so you'll always know exactly what you're paying and when you're paying. You can enjoy unrivaled flexibility with payments and currency options.\"}),/*#__PURE__*/e(\"p\",{children:\"Acctual charges a simple 1% fee for its flexible payment options. That covers giving your clients a choice in the way they pay, whether it's stable coins or fiat currency. And funds are always transferred directly into your chosen wallet or bank account. No holding funds, ensuring your money goes where it needs to go, goes exactly where you want it with minimum fees.\"}),/*#__PURE__*/e(\"h3\",{children:\"Security and compliance\"}),/*#__PURE__*/e(\"p\",{children:\"When it comes to finance, security and compliance are paramount. There should be no compromise when it comes to dealing with financial transactions. Acctual takes all the critical steps to ensure that your information is dealt with and transmitted in a secure manner. Your financial data is protected and it always adheres to regulatory requirements, reducing the risk of legal issues.\"}),/*#__PURE__*/e(\"p\",{children:\"Adding to this, Acctual goes one step further than most with multi-sig integrations for crypto payments and automatic integrations with traditional bank accounts and secure crypto wallets.\"}),/*#__PURE__*/e(\"h3\",{children:\"Account verification\"}),/*#__PURE__*/e(\"p\",{children:\"Waiting for account verification can be frustrating, especially when you\u2019re worried about cash flow. However, any legitimate payment platform (crypto or not) should have robust KYC and AML practices in place. Make sure to check the verification process before signing up. Some alternative payment platforms can take days to validate accounts. But with Acctual, you can have a verified account in minutes!\"}),/*#__PURE__*/e(\"p\",{children:\"As part of regulatory requirements, Acctual follows strict KYC guidelines when verifying accounts. This helps ensure complete compliance and security. Before you can accept crypto and fiat payments, Acctual requires specific personal information to comply with financial regulations while also protecting you from fraud.\"}),/*#__PURE__*/e(\"p\",{children:\"Once verified, you get access to payments without interruption. It helps safeguard against illicit activity and meeting legal requirements means you can access these flexible payout options. The best bit is KYC approval typically takes minutes for most users, although it can take a couple of days if manual review is required. All of your information is stored using industry-standard encryption and strict compliance protocols to protect your data.\"}),/*#__PURE__*/e(\"p\",{children:\"If you're waiting for KYC verification, you can still create invoices and get going, but your flexible payments option is limited until you're approved.\"}),/*#__PURE__*/e(\"h3\",{children:\"Geographic restrictions\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"795\",src:\"https://framerusercontent.com/images/DdvKcOdhbR7UdHH0LZPxDgZ4g.png\",srcSet:\"https://framerusercontent.com/images/DdvKcOdhbR7UdHH0LZPxDgZ4g.png?scale-down-to=512 512w,https://framerusercontent.com/images/DdvKcOdhbR7UdHH0LZPxDgZ4g.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/DdvKcOdhbR7UdHH0LZPxDgZ4g.png?scale-down-to=2048 2048w,https://framerusercontent.com/images/DdvKcOdhbR7UdHH0LZPxDgZ4g.png 2298w\",style:{aspectRatio:\"2298 / 1590\"},width:\"1149\"}),/*#__PURE__*/e(\"p\",{children:\"Acctual is available in most countries around the world. Where Wise fails it\u2019s is coverage, Acctual can help, the platform is designed to provide global reach - especially for businesses and freelancers who work in emerging markets.\"}),/*#__PURE__*/e(\"p\",{children:\"Unfortunately Acctual, it's not available to those under the OFAC sanctions and similar restrictions. For example, in the US, the service isn't available if your primary address is in New York, Florida, Louisiana, or Alaska. That means if your business operating address is in a restricted state, you won't be able to use the Acctual service.\"}),/*#__PURE__*/e(\"h2\",{children:\"Get started today with a Wise alternative\"}),/*#__PURE__*/t(\"p\",{children:[\"So if you're looking for a Wise alternative, then \",/*#__PURE__*/e(n,{href:\"https://app.acctual.com/signup\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"try out Acctual\"})}),\" today. You can start enjoying invoicing, payments and accounting by creating a free account now, or simply try out the free invoice generator without even needing to create an account.\"]}),/*#__PURE__*/t(\"p\",{children:[\"Want to stay up to date with all the latest news and features launched at Acctual? Then, make sure to follow us on\",/*#__PURE__*/e(n,{href:\"https://x.com/AcctualTeam\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\" Twitter\"})}),\" and\",/*#__PURE__*/e(n,{href:\"https://www.linkedin.com/company/acctualhq\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\" LinkedIn\"})}),\".\"]}),/*#__PURE__*/e(\"p\",{children:\"Acctual is the best Wise alternative, offering everything you need to run the finances in your business and focus on what really matters - growth.\"}),/*#__PURE__*/e(\"p\",{children:\"When you\u2019re searching for the best TransferWise alternative or apps like Wise, it's crucial to find a solution that actually solves your current roadblocks. Acctual is a Wise competitor that delivers a more flexible set of features for businesses to manage global payments.\"}),/*#__PURE__*/e(\"p\",{children:\"Other companies like Wise might well offer similar international transfer capabilities, but Acctual provides crypto integration, powerful invoicing tools and accounting integrations. If you need a TransferWise alternative that combines flexible currency options with an empire of business features, Acctual is that solution.\"}),/*#__PURE__*/e(\"p\",{children:\"Frustrated with currency transfers? Hunting for automatic accounting integration? Or desperate for a flexible alternative to Wise? Acctual provides the features and versatility for modern payments.\\xa0\"})]});export const richText4=/*#__PURE__*/t(o.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Getting clients on Upwork isn\u2019t so easy these days. The endless Connect purchases and client proposals. The interviews and the anxious wait for responses. And finally, you\u2019re hired. While the process of landing a client on Upwork can be long and tedious for many, what shouldn\u2019t be is getting your payments after the work is done.\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"That\u2019s where Acctual comes in! To make invoicing and online payments simple for businesses and \",/*#__PURE__*/e(n,{href:\"https://www.acctual.com/blog/get-paid-in-crypto\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"freelancers\"})}),\", Acctual offers flexible fiat crypto payment options that lets you get paid on the same day. With this platform, you can receive fiat payments like USD and EUR or crypto payments via stablecoins like Tether (USDT) and USD Coin (USDC) directly from Upwork. You also get to retain your money\u2019s value this way because stablecoin transactions and fees are cheaper than using fiat USD/NGN.\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"Despite being relatively new, the invoicing and digital payment platform is present in over 129 countries and simplifies online payments for individuals and businesses.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Now, let\u2019s see how Acctual actually works and what makes it perfect for instant crypto payments via Upwork.\\xa0\"}),/*#__PURE__*/e(\"h2\",{children:\"What is Acctual?\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:\"https://www.acctual.com/\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Acctual\"})}),\" is an online payment and invoicing platform that offers flexible payment options to individuals and businesses receiving payments in foreign currencies. Established in 2023, the company stepped out to make crypto companies streamline their bills, manage their payments and easily \",/*#__PURE__*/e(n,{href:\"https://www.acctual.com/blog/cross-border-payments-in-crypto-stablecoins-blockchain-solutions\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"access the international markets\"})}),\" without the hassles of traditional payments.\\xa0\"]}),/*#__PURE__*/t(\"p\",{children:[\"With more companies introducing crypto payments and blockchain technology into their business models, Acctual allows them to simply run payments through \",/*#__PURE__*/e(n,{href:\"https://www.weforum.org/stories/2025/03/stablecoins-cryptocurrency-on-rise-financial-systems/\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"stablecoins\"})}),\" and incorporate such cryptocurrencies into their existing financial systems.\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"At the moment, not many clients or businesses have accounting tools that process crypto payments. With Acctual, they don\u2019t need one because they can still pay you in fiat dollars while you receive stablecoins.\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"In other words, Acctual is not only driving crypto adoption among businesses. It is creating an avenue where anyone, including freelancers, can \",/*#__PURE__*/e(n,{href:\"https://www.acctual.com/\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"generate invoices\"})}),\" and access smooth stablecoin payments globally \u2014 whether they want crypto-to-crypto, fiat-to-crypto, or crypto-to-fiat transactions.\\xa0\"]}),/*#__PURE__*/e(\"h2\",{children:\"How does Acctual work?\"}),/*#__PURE__*/t(\"p\",{children:[\"Whether you\u2019re a business owner or freelancer who wants to receive payments via Acctual, the process is pretty straightforward. Once you create an account, you can generate an invoice directly on the platform and request payments in your preferred currency directly into your \",/*#__PURE__*/e(n,{href:\"https://www.acctual.com/blog/crypto-exchanges-vs-wallets-learn-the-difference\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"crypto wallet\"})}),\" or bank account.\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"Overall, the end-to-end process makes payment requests and processing seamless, regardless of what method you choose.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Tip: Acctual lets you process funds on the same day through flexible virtual USD and EUR accounts. Request your Upwork payments using any of the fiat accounts and have the funds instantly converted to stablecoins like Tether (USDT), USD Coin (USDC), Dai (DAI) or PayPal USD (PYUSD) and paid into your linked crypto wallet.\\xa0\"}),/*#__PURE__*/e(\"h2\",{children:\"How to receive stablecoins from Upwork using Acctual\"}),/*#__PURE__*/e(\"p\",{children:\"Receiving stablecoins from Upwork using Acctual sounds like a long process at first. However, you can get it done in just a few steps. Here\u2019s a breakdown of the process:\\xa0\"}),/*#__PURE__*/e(\"h3\",{children:\"Create an Acctual account\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"The first thing to do is \",/*#__PURE__*/e(n,{href:\"https://app.acctual.com/signup\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"create a free account\"})}),\" on Acctual. You can also click on the \u201CGenerate an Invoice\u201D button at the top-right corner of the page.\\xa0\"]}),/*#__PURE__*/e(\"video\",{autoPlay:!0,className:\"framer-image\",loop:!0,muted:!0,playsInline:!0,src:\"https://framerusercontent.com/assets/kimYJgdyqsHJw01TY1b2qJ92WM.mp4\"}),/*#__PURE__*/e(\"p\",{children:\"Afterward, you can create an account by entering your email address and password. Alternatively, you can log in directly using your Google account.\\xa0\"}),/*#__PURE__*/e(\"h3\",{children:\"Choose a service\\xa0\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"540\",src:\"https://framerusercontent.com/images/wLlsz1QXu1jZnw6k2AraqpaoFBQ.png\",srcSet:\"https://framerusercontent.com/images/wLlsz1QXu1jZnw6k2AraqpaoFBQ.png?scale-down-to=512 512w,https://framerusercontent.com/images/wLlsz1QXu1jZnw6k2AraqpaoFBQ.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/wLlsz1QXu1jZnw6k2AraqpaoFBQ.png 1699w\",style:{aspectRatio:\"1699 / 1080\"},width:\"849\"}),/*#__PURE__*/e(\"p\",{children:\"After creating an account, you\u2019re expected to choose which service you want from Acctual. These include invoice generation, bill payments, funds transfer and the creation of a flexible payment option. Select \u201CCreate flexible payment option\u201D since that\u2019s what you need for Upwork.\\xa0\"}),/*#__PURE__*/e(\"h3\",{children:\"Complete KYC\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"To generate a flexible payments option via Acctual, you must complete the Know Your Customer (KYC) process. From the \",/*#__PURE__*/e(n,{href:\"https://app.acctual.com/payments/receive\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Payments\"})}),' page, click \"',/*#__PURE__*/e(n,{href:\"https://app.acctual.com/payments/receive?start_kyc=true\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Activate\"})}),'\" in the notice bar at the top.']}),/*#__PURE__*/e(\"video\",{autoPlay:!0,className:\"framer-image\",loop:!0,muted:!0,playsInline:!0,src:\"https://framerusercontent.com/assets/xJkjLKbaAnMX3G4mNqHyGXEP6QY.mp4\"}),/*#__PURE__*/e(\"p\",{children:\"Verification is a standard practice among payment service providers and you\u2019ll need the following to successfully verify your new Acctual account:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"A government-issued ID document (passport, driver\u2019s license, or voter\u2019s registration card).\\xa0\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Basic information including your full name, date of birth, address and National Identification Number (if applicable).\\xa0\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Proof of address\"})})]}),/*#__PURE__*/t(\"p\",{children:[\"The verification process \",/*#__PURE__*/e(\"strong\",{children:\"takes less than 5 minutes\"}),\" and you should be verified once all the provided information and documents are valid.\\xa0\"]}),/*#__PURE__*/e(\"h3\",{children:\"Add a flexible payment option\"}),/*#__PURE__*/t(\"p\",{children:[\"Now, it\u2019s time to set up your account and get the payment options to send to your client(s). To do so, \",/*#__PURE__*/e(n,{href:\"https://app.acctual.com/payments/receive\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"go to the Payments page\"})}),'. At the top right, click on \"Actions\" and select \u201CAdd flexible payment option\u201D button and add the crypto wallet you want to receive Upwork payments in.\\xa0']}),/*#__PURE__*/e(\"video\",{autoPlay:!0,className:\"framer-image\",loop:!0,muted:!0,playsInline:!0,src:\"https://framerusercontent.com/assets/LZEIo4uH2xXrRovy2eqfIAWZ3cM.mp4\"}),/*#__PURE__*/e(\"p\",{children:\"Once you choose the crypto option, you need to connect your external wallet by entering the wallet address manually or scanning the barcode with your phone. Proceed to choose the stablecoin and network or chain you want to receive Upwork payments in. For instance, USDT (Ethereum), USDC (Arbitrum), etc.\"}),/*#__PURE__*/e(\"p\",{children:\"After your crypto wallet has been added, Actual will auto-generate up to 15 virtual flexible accounts to receive payments. You\u2019ll need the virtual USD or EUR bank account information when setting up your Upwork account to receive stablecoins.\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"1080\",src:\"https://framerusercontent.com/images/UjQGt7FTicBL8tUbT1MJ1vhfZtE.png\",srcSet:\"https://framerusercontent.com/images/UjQGt7FTicBL8tUbT1MJ1vhfZtE.png?scale-down-to=512 512w,https://framerusercontent.com/images/UjQGt7FTicBL8tUbT1MJ1vhfZtE.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/UjQGt7FTicBL8tUbT1MJ1vhfZtE.png?scale-down-to=2048 2048w,https://framerusercontent.com/images/UjQGt7FTicBL8tUbT1MJ1vhfZtE.png 3398w\",style:{aspectRatio:\"3398 / 2160\"},width:\"1699\"}),/*#__PURE__*/e(\"p\",{children:\"Tip: Ensure your bank account information tallies with the personal information provided when signing up on Acctual for the bank account linking to be successful.\\xa0\"}),/*#__PURE__*/e(\"h3\",{children:\"Generate an invoice\"}),/*#__PURE__*/t(\"p\",{children:[\"Finally, create an invoice to share with your Upwork client using the \u201CCreate Invoice\u201D button on the \",/*#__PURE__*/e(n,{href:\"https://app.acctual.com/invoices/draft\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Invoices\"})}),\" page. Here, you\u2019ll need to enter the client\u2019s details, the amount to pay and the client\u2019s address.\\xa0\"]}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"1158\",src:\"https://framerusercontent.com/images/qASNtpgoFOtUdUzrM3vo6rjCshs.png\",srcSet:\"https://framerusercontent.com/images/qASNtpgoFOtUdUzrM3vo6rjCshs.png?scale-down-to=512 512w,https://framerusercontent.com/images/qASNtpgoFOtUdUzrM3vo6rjCshs.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/qASNtpgoFOtUdUzrM3vo6rjCshs.png?scale-down-to=2048 2048w,https://framerusercontent.com/images/qASNtpgoFOtUdUzrM3vo6rjCshs.png 3216w\",style:{aspectRatio:\"3216 / 2316\"},width:\"1608\"}),/*#__PURE__*/e(\"p\",{children:\"Once that\u2019s done, add your saved payment method and complete the invoice generation process.\"}),/*#__PURE__*/e(\"h3\",{children:\"Share and receive payments\"}),/*#__PURE__*/e(\"p\",{children:\"Now, you\u2019re all set to share your invoice with your client. You can do this directly on the Acctual platform immediately or schedule it to be sent later. Once you send an invoice to your client, they\u2019ll receive an email with a link to pay using any of the payment options you created on Acctual.\\xa0\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"370\",src:\"https://framerusercontent.com/images/aQ59zLUnJpPXFuPPelPiZCOnbw.png\",srcSet:\"https://framerusercontent.com/images/aQ59zLUnJpPXFuPPelPiZCOnbw.png?scale-down-to=512 512w,https://framerusercontent.com/images/aQ59zLUnJpPXFuPPelPiZCOnbw.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/aQ59zLUnJpPXFuPPelPiZCOnbw.png?scale-down-to=2048 2048w,https://framerusercontent.com/images/aQ59zLUnJpPXFuPPelPiZCOnbw.png 2282w\",style:{aspectRatio:\"2282 / 740\"},width:\"1141\"}),/*#__PURE__*/e(\"p\",{children:\"If your preferred payment option has been set as a stablecoin like USDT or USDC, the received funds will be automatically converted to the selected asset when your clients pay you.\\xa0\"}),/*#__PURE__*/e(\"h2\",{children:\"Can you connect Acctual to your Upwork account?\"}),/*#__PURE__*/e(\"p\",{children:\"While sharing your invoice and the attached payment accounts to your client is more seamless, you can also use any of the flexible fiat virtual accounts linked to your Acctual profile as a direct payment method on Upwork. To do this:\"}),/*#__PURE__*/e(\"ul\",{children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Log in to your Upwork account\\xa0\"})})}),/*#__PURE__*/e(\"ul\",{children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Go to \u201CAccount Settings\u201D and click \u201CGet Paid\u201D\\xa0\"})})}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"327\",src:\"https://framerusercontent.com/images/Yf164Ez3waqLQG6bLoIDOA9cn8k.png\",srcSet:\"https://framerusercontent.com/images/Yf164Ez3waqLQG6bLoIDOA9cn8k.png?scale-down-to=512 512w,https://framerusercontent.com/images/Yf164Ez3waqLQG6bLoIDOA9cn8k.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/Yf164Ez3waqLQG6bLoIDOA9cn8k.png 1600w\",style:{aspectRatio:\"1600 / 654\"},width:\"800\"}),/*#__PURE__*/e(\"ul\",{children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Tap \u201CAdd a Method\u201D and click the \u201CSet Up\u201D button to add the direct USD bank account from Acctual.\"})})}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"378\",src:\"https://framerusercontent.com/images/D2KEfW4NqpilDB859wKIrNBmxhU.png\",srcSet:\"https://framerusercontent.com/images/D2KEfW4NqpilDB859wKIrNBmxhU.png?scale-down-to=512 512w,https://framerusercontent.com/images/D2KEfW4NqpilDB859wKIrNBmxhU.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/D2KEfW4NqpilDB859wKIrNBmxhU.png 1600w\",style:{aspectRatio:\"1600 / 757\"},width:\"800\"}),/*#__PURE__*/e(\"ul\",{children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Enter the required information, including the account holder name, account type, routing number and account number. Click \u201CAdd Bank Account\u201D to complete the process.\\xa0\"})})}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"376\",src:\"https://framerusercontent.com/images/Zy429tE9y6C8EycuOZpLOqwABU.png\",srcSet:\"https://framerusercontent.com/images/Zy429tE9y6C8EycuOZpLOqwABU.png?scale-down-to=512 512w,https://framerusercontent.com/images/Zy429tE9y6C8EycuOZpLOqwABU.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/Zy429tE9y6C8EycuOZpLOqwABU.png 1600w\",style:{aspectRatio:\"1600 / 752\"},width:\"800\"}),/*#__PURE__*/e(\"p\",{children:\"It may take up to 3 working days for the new payment method to be activated by Upwork. However, you\u2019ll receive an email from Acctual once you get paid into the linked account.\\xa0\\xa0\"}),/*#__PURE__*/e(\"h2\",{children:\"Why choose Acctual to receive your Upwork funds?\"}),/*#__PURE__*/e(\"p\",{children:\"Here are some reasons to consider Acctual as your payment processor for your Upwork funds:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Get more value for your money. Acctual charges a simple 1% fee and stablecoins are not affected by external forces like inflation. That way, you keep more of your money in your pocket when you get paid in USDT instead of USD.\\xa0\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Get paid directly into your crypto wallet in 15 ways with flexible crypto payment options across different networks.\\xa0\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Global accessibility and reach with SEPA and ACH transfers, making it easy for clients to pay you from their bank accounts, while you receive crypto.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Automated integrations with existing financial software and tools.\\xa0\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Same-day payments from Acctual once the funds are successfully processed. Acctual doesn\u2019t hold your funds like others do.\\xa0\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"No bank delays\\xa0\"})})]}),/*#__PURE__*/e(\"h2\",{children:\"Final thoughts\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Acctual is a digital payment platform that simplifies payments for freelancers, especially those looking to receive stablecoins from anywhere in the world. With this solution, you don\u2019t need to request crypto from your employer or clients because you can receive funds in your virtual USD or EUR account and convert them to stablecoins directly.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"With a same-day settlement feature, top security and a smooth transaction flow, Acctual is a great choice for every freelancer looking for a smoother way to handle invoicing and payments.\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:\"https://app.acctual.com/signup\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Create your free account\"})}),\" and start getting paid in stablecoins from Upwork today.\"]}),/*#__PURE__*/e(\"h2\",{children:\"FAQs\"}),/*#__PURE__*/e(\"h4\",{children:\"Who can use Acctual?\"}),/*#__PURE__*/e(\"p\",{children:\"Any business owner or freelancer can use Acctual for invoices and payments. The platform is available in 129+ countries, excluding countries under the Office of Foreign Assets Control (OFAC) sanctions. US states like New York, Florida, Alaska and Louisiana are also restricted.\\xa0\"}),/*#__PURE__*/e(\"h4\",{children:\"Can you receive funds on the same day?\"}),/*#__PURE__*/e(\"p\",{children:\"Yes, your funds are processed immediately and should arrive in your account in no time. However, if your client pays in USD via ACH, it may take up to 3 business days to process.\\xa0\"}),/*#__PURE__*/e(\"h4\",{children:\"What currencies are supported by Acctual?\"}),/*#__PURE__*/e(\"p\",{children:\"Acctual supports both fiat currencies and digital assets. The fiat currencies include USD and EUR, while the cryptocurrencies include stablecoins like USDT, USDC, DAI and PYUSD.\\xa0\"})]});export const richText5=/*#__PURE__*/t(o.Fragment,{children:[/*#__PURE__*/e(\"h5\",{children:\"Get paid how and where you want\u2014let your customer pay the way that works for them. Receive payments straight to your wallet or bank account. For businesses/freelancers globally.\"}),/*#__PURE__*/e(\"p\",{children:\"Since releasing crypto invoicing, Acctual has helped over 4k businesses and freelancers in 100+ countries get paid in stablecoins, with over $100M processed. We\u2019ve seen companies use stablecoins to transact across hard-to-reach corridors like Nigeria \u2192 India, Brazil \u2192 Kazakhstan, Turkey \u2192 UAE, and more\u2014showing how stablecoins can unlock borderless commerce.\"}),/*#__PURE__*/e(\"p\",{children:\"But there\u2019s still a major barrier. For stablecoin payments to work, both sides need to be aligned on the stablecoin + blockchain they\u2019re using. The problem is, one party might not even be using stablecoins or might prefer a different stablecoin and blockchain. This means one party often has to sacrifice their preferred currency or method, leading to extra fees, delayed payments and even strained client relationships.\"}),/*#__PURE__*/e(\"p\",{children:\"Today, we\u2019re turning your preferred payment method\u2014whether it\u2019s USDC-SOL directly to your Phantom wallet, EUR to your Revolut account, or USDT-ETH to your exchange account\u2014into a flexible one when you send your invoices on Acctual. Clients can choose to pay in any stablecoin, any network or even fiat currency and you get paid where you want it. We don\u2019t store or hold your funds, and there\u2019s no need for a separate account. You just get paid how and where you want.\"}),/*#__PURE__*/e(\"video\",{autoPlay:!0,className:\"framer-image\",loop:!0,muted:!0,playsInline:!0,src:\"https://framerusercontent.com/assets/tDm4OrGIsHG7skV4XAcA1WLQ.mp4\"}),/*#__PURE__*/e(\"h2\",{children:\"Getting started\"}),/*#__PURE__*/t(\"p\",{children:[\"You can \",/*#__PURE__*/e(n,{href:\"https://app.acctual.com/signup\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"create your free account here\"})}),\". Complete the onboarding and navigate to the \",/*#__PURE__*/e(n,{href:\"https://app.acctual.com/invoices/draft\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Invoices\"})}),\" page. Click to create your first invoice at the top right and fill out your invoice details.\"]}),/*#__PURE__*/t(\"p\",{children:[\"Once you reach the \u2018Payment details\u2019 section, add your preferred method of payment. If this is your first time, you will be asked to \",/*#__PURE__*/e(n,{href:\"https://guides.acctual.com/guide/resources/account-verification\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"verify your information\"})}),\" (takes just a few minutes). Once approved, your payment method will support up to 15 different ways of getting paid.\"]}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"574\",src:\"https://framerusercontent.com/images/bLL0YIcUPlO0aul5MnZHCRHC0Jo.png\",srcSet:\"https://framerusercontent.com/images/bLL0YIcUPlO0aul5MnZHCRHC0Jo.png?scale-down-to=512 512w,https://framerusercontent.com/images/bLL0YIcUPlO0aul5MnZHCRHC0Jo.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/bLL0YIcUPlO0aul5MnZHCRHC0Jo.png 1600w\",style:{aspectRatio:\"1600 / 1148\"},width:\"800\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"em\",{children:\"We currently support (Fiat: USD, EUR) (Stables: USDT, USDC, DAI & PYUSD) for the flexible payment feature. However, you can also add other methods of payment on your invoice as well.\"})}),/*#__PURE__*/e(\"h2\",{children:\"Getting paid\"}),/*#__PURE__*/e(\"p\",{children:\"Once you send the invoice, your client receives an email with an invoice payment link. They can choose from several payment options, like this:\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"488\",src:\"https://framerusercontent.com/images/REq0Nqcux7kJUUfxUwzADPRvuhY.png\",srcSet:\"https://framerusercontent.com/images/REq0Nqcux7kJUUfxUwzADPRvuhY.png?scale-down-to=512 512w,https://framerusercontent.com/images/REq0Nqcux7kJUUfxUwzADPRvuhY.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/REq0Nqcux7kJUUfxUwzADPRvuhY.png 1526w\",style:{aspectRatio:\"1526 / 976\"},width:\"763\"}),/*#__PURE__*/e(\"p\",{children:\"As soon as they send payment, you will be paid directly to the wallet or bank account you specified, same day. Acctual will send a receipt to your customer and you will be notified that your client has paid. All while keeping track of this for you:\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"227\",src:\"https://framerusercontent.com/images/OegXVa08ccrekJTCeOCuvzzQnE.png\",srcSet:\"https://framerusercontent.com/images/OegXVa08ccrekJTCeOCuvzzQnE.png?scale-down-to=512 512w,https://framerusercontent.com/images/OegXVa08ccrekJTCeOCuvzzQnE.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/OegXVa08ccrekJTCeOCuvzzQnE.png 1578w\",style:{aspectRatio:\"1578 / 454\"},width:\"789\"}),/*#__PURE__*/e(\"h2\",{children:\"Beyond invoices\"}),/*#__PURE__*/e(\"p\",{children:\"We know you don\u2019t always send invoices. Maybe you\u2019re getting paid through Upwork, PayPal, Fiverr or somewhere else. Our flexible payment options still work, so you always get paid how and where you want.\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"Go to our \",/*#__PURE__*/e(n,{href:\"https://app.acctual.com/payments/receive\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Payments\"})}),\" page to add a flexible payment option:\"]}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"356\",src:\"https://framerusercontent.com/images/nVAcWJhOfFaDAGB2ey3J8nj7OUE.png\",srcSet:\"https://framerusercontent.com/images/nVAcWJhOfFaDAGB2ey3J8nj7OUE.png?scale-down-to=512 512w,https://framerusercontent.com/images/nVAcWJhOfFaDAGB2ey3J8nj7OUE.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/nVAcWJhOfFaDAGB2ey3J8nj7OUE.png 2042w\",style:{aspectRatio:\"2042 / 712\"},width:\"1021\"}),/*#__PURE__*/e(\"p\",{children:\"Specify where you want to receive funds and we will generate up to 15 different ways for clients to send you money - including USD, EUR and stablecoins on multiple chains.\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"877\",src:\"https://framerusercontent.com/images/wMebXzWZCQgPxBKOVwxKZZ14o.png\",srcSet:\"https://framerusercontent.com/images/wMebXzWZCQgPxBKOVwxKZZ14o.png?scale-down-to=512 512w,https://framerusercontent.com/images/wMebXzWZCQgPxBKOVwxKZZ14o.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/wMebXzWZCQgPxBKOVwxKZZ14o.png?scale-down-to=2048 2048w,https://framerusercontent.com/images/wMebXzWZCQgPxBKOVwxKZZ14o.png 3542w\",style:{aspectRatio:\"3542 / 1754\"},width:\"1771\"}),/*#__PURE__*/e(\"p\",{children:\"After creation, copy the specific payment instructions to share with your clients or add them to the platforms you use.\"}),/*#__PURE__*/e(\"h2\",{children:\"Next steps\"}),/*#__PURE__*/e(\"p\",{children:\"We designed Acctual to help businesses and freelancers around the world get paid faster. More flexible payment options are coming soon.\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:\"https://app.acctual.com/signup\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Create your free account\"})}),\" and start getting paid today.\"]}),/*#__PURE__*/e(\"h2\",{children:\"FAQ\u2019s\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"How much does it cost?\"})}),/*#__PURE__*/e(\"p\",{children:\"Acctual charges a simple 1% fee for enabling flexible payment options. This covers the cost of giving your clients multiple ways to pay\u2014whether in stablecoins on different blockchains or in fiat currencies. We make sure you get paid directly to your preferred wallet or bank account. We never hold your funds, so your money always goes where you want it.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"How does it work?\"})}),/*#__PURE__*/e(\"p\",{children:\"Tell us how you want to get paid, we generate up to 15 ways for your client to pay. You don\u2019t need to manage any of these wallets or bank accounts\u2014they\u2019re just there for your client to use. Once the payment is received, it\u2019s instantly converted to your preferred method and sent directly to your wallet or account.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"What stablecoins and fiat currencies do you support?\"})}),/*#__PURE__*/e(\"p\",{children:\"USDC (Ethereum, Solana, Polygon, Base, Arbitrum, Optimism, Stellar, Avalanche), USDT (Ethereum, Tron), DAI (Ethereum), PYUSD (Solana, Ethereum), USD (ACH, Wire), EUR (SEPA) and more soon. \"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Is it really same day?\"})}),/*#__PURE__*/e(\"p\",{children:\"Yes, in most cases. However, if your client pays in USD (ACH) or if you receive USD (ACH), it may take 1-3 days to arrive in your account.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Where can I use Acctual?\"})}),/*#__PURE__*/e(\"p\",{children:\"We aim to make Acctual available in most countries around the world, except those under OFAC sanctions or similar restrictions. In the United States, our service isn\u2019t available for customers whose primary address is in New York, Florida, Alaska or Louisiana. For businesses, if your main operating address is in one of these restricted states, our service cannot be provided\u2014even if you\u2019re incorporated or bank elsewhere. If you have any questions about your eligibility, please contact support@acctual.com.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"I have more questions!\"})}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:\"https://guides.acctual.com/guide/overview\",motionChild:!0,nodeId:\"fBkBekm1e\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"See our docs for more information\"})}),\". 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