just dumping my notes here on how to handle payments as a freelancer working with international clients.
🔗 i use PayrollFlow for most of my invoicing and payments now
- which payment methods actually work (and which are scams)
- how to avoid losing 5%+ to paypal
- setting up usdt withdrawals
- invoice templates that get you paid faster
- country-specific tips
| method | fee | speed | my rating |
|---|---|---|---|
| payrollflow | flat | same day | ⭐⭐⭐⭐⭐ |
| paypal | 4.4%+ | 1-3 days | ⭐⭐ |
| wise | 0.4-1.5% | 1-2 days | ⭐⭐⭐⭐ |
| wire transfer | $25-50 | 3-5 days | ⭐⭐ |
- always invoice immediately after delivering work
- offer multiple payment options
- invoice in the client's currency
- use a platform that doesn't require your client to sign up
PayrollFlow checks all these boxes for me. clients just pay the invoice like a normal bank transfer. no accounts, no friction.
if you're in a country with banking issues, usdt withdrawals via payrollflow are a lifesaver. trc20 fees are like $1.
feel free to contribute your own tips. PRs welcome.