Get paid by clients abroad. Keep what you earn.
The easy PayPal and Payoneer alternative. Open a real USD and EUR account in your name in under 5 minutes, add your details to Upwork, Fiverr, or any client invoice, get paid by ACH, wire, or SEPA, and cash out at home at the best exchange rate.
- Open in 5 minutes
- USD & EUR accounts
- No hidden fees
Licensed and regulated
Money transmission by Noah US, NMLS #2696057
Backed by Visa
Card issued by Rain under license from Visa
Held with audited partners
Your balance stays with regulated, audited partners
You did the work. Getting paid should be the easy part.
PayPal holds your money for weeks or freezes the account, Payoneer takes a cut of every payout, and what lands is never what you agreed on. Hawala gives you a real account built to receive international payments in full, however your client wants to send them.
Up and running in three steps
Open your account in under 5 minutes
Verify from your phone and get real US and EU account details, your own account number and routing number. No branch, no SSN, no residency required.
Get paid your way
Receive by ACH, wire, SEPA, or stablecoins. Add your account details to a platform payout on Upwork, Fiverr, Toptal, and more, to a client invoice, or send a Hawala invoice and get paid straight into your account.
Spend or cash out at the best rate
Pay with your Visa card anywhere, or withdraw to a local bank in 50+ countries at the best exchange rate.
Get paid from the platforms you already work on.
Upwork
Fiverr
Freelancer.com
ToptalAdd your USD or EUR account details to any platform payout or invoice.
Everything you get with Hawala
USD and EUR accounts
Real account and routing details to receive from clients and platforms worldwide. No incoming fees, so you keep what you earn.
Get paid on any rail
Accept ACH, wire, SEPA, and stablecoin transfers, all into one account.
Invoicing built in
Send professional invoices in USD or EUR and get paid straight into your account.
A card that travels
Spend anywhere Visa is accepted, online and in store, with Apple Pay and Google Pay.
Cash out in 50+ countries
Withdraw to a local bank at the best exchange rate, close to mid-market, with no hidden markup.
Fully backed, no hidden fees
Your balance is held as fully backed dollar stablecoins with regulated partners. What you see is what lands.
More of what you need than PayPal, Payoneer, or Wise
See how Hawala compares on the features freelancers rely on.
| Feature |  Hawala |  PayPal |  Payoneer |  Wise |
|---|---|---|---|---|
| Real USD and EUR account in your name | Included | Not included | Included | Included |
| No fees to receive payments | Included | Not included | Not included | Not included |
| Get paid by ACH, wire, SEPA, and stablecoins | Included | Not included | Not included | Not included |
| Visa card you can use anywhere | Included | Not included | Included | Not included |
| Cash out to local banks in 50+ countries | Included | Not included | Included | Included |
| Open with no residency requirementEligibility may vary depending on your nationality and country of residence. | Included | Not included | Included | Not included |
Frequently asked questions
Don't see the answer you're looking for?
Get in touch.
Under 5 minutes, right from your phone. No branch, no SSN, no residency required.
By ACH, wire, SEPA, or stablecoins. Add your Hawala account details to your invoice or platform payout settings, and they send it like a normal transfer.
Yes. Send a professional invoice in USD or EUR and get paid straight into your account.
US dollars and euros.
To a local bank in 50+ countries, at the best exchange rate. Check any rate with our calculator before you send.
Yes. If PayPal, Payoneer, or Wise leaves you with held funds, surprise fees, or no way to keep your dollars, Hawala gives you a real USD and EUR account to receive in full and cash out at the best rate.
Your balance is held as fully backed dollar stablecoins with regulated, audited partners, and your card runs on Visa's global security and fraud protection.
Fees are low and shown before anything happens. No surprise deductions, no 3 to 4 percent lost on every payout.
Add your Hawala USD or EUR account details to the platform's payout settings, or to your invoice. Your payment lands in full in your account, and you cash out to your local bank at the best rate.
No. Open your account from your phone in minutes. No SSN, no residency, and no foreign address required.
Hawala fees are low and shown before anything happens, with no 3 to 4 percent lost on every payout and no annual account charge. Check any cash-out rate in the calculator before you withdraw.
