What's the Cheapest Way to Pay International Contractors? The 2026 Cost Stack
The four costs in every contractor payment (sender fee, FX markup, intermediary deductions, recipient withdrawal fee), a dated fee table for Wise, Payoneer, PayPal, wires, Deel and Avvio, and a worked $2,000 example.
How to Pay International Contractors in 2026 (Without the Fee Stack)
The real costs of paying contractors abroad, what the W-8BEN actually covers, and how to pay out to 60+ currencies in seconds instead of days.
Do Foreign Contractors Need a W-9? W-8BEN vs W-8BEN-E, Explained (2026)
No W-9 and no 1099 for non-US contractors working abroad. What to collect instead (W-8BEN or W-8BEN-E), when 30% withholding kicks in, the 1042-S case, and when the form expires.
How Staffing Agencies Pay International Contractors (Payroll-Style, Without the Fee Stack)
Weekly or biweekly payouts to contractors in the Philippines, India and LatAm, without losing 2% of your margin to wires and FX. Rails, W-8BENs, batch runs and a cost table.
BRLBrazil · PixHow to Pay Contractors in Brazil in 2026 (Rails, Fees, Tax Forms)
Paying a freelancer in Brazil from the US: what Pix and TED actually deliver, what IOF takes, which tax form you need, and how to get reais to your contractor in seconds.
MXNMexico · SPEIHow to Pay Contractors in Mexico in 2026 (Rails, Fees, Tax Forms)
Paying freelancers in Mexico from a US business: how SPEI delivers pesos in seconds, what each method really costs, the CFDI your contractor will send you, and the W-8BEN you need.
INRIndia · IMPSHow to Pay Contractors in India in 2026 (Rails, Fees, Tax Forms)
How to pay Indian freelancers from a US business: IMPS delivery in rupees, purpose codes and FIRC, what each payment method really costs, and the W-8BEN that keeps you out of 30% withholding.
PHPPhilippines · InstaPayHow to Pay Contractors in the Philippines (2026): InstaPay, PESONet, GCash and What Actually Lands
Paying a contractor in the Philippines: how InstaPay and PESONet work, GCash and Maya delivery, PHP vs USD, what each method costs with sources, the W-8BEN reminder, and how Avvio pays out in pesos.
ARSArgentina · CBU/CVUHow to Pay Contractors in Argentina in 2026 (Rails, Fees, Tax Forms)
Paying Argentine freelancers from a US business after the cepo: instant bank transfers to a CBU or CVU, what changed in 2025 for dollar controls, the Factura E your contractor will send, and the W-8BEN you need.
NGNNigeria · NIPHow to Pay Contractors in Nigeria in 2026 (Rails, Fees, Tax Forms)
Paying Nigerian freelancers from a US business: how NIP delivers naira in seconds, what the 2023 FX reforms changed, why remittances now land in naira, what each method costs, and the W-8BEN you need.
IDRIndonesia · BI-FASTHow to Pay Contractors in Indonesia in 2026 (Rails, Fees, Tax Forms)
Paying a freelancer in Jakarta or Bali from the US: what a wire, PayPal, Wise, Payoneer, and a stablecoin-settled IDR payout each cost, how BI-FAST delivers rupiah in seconds, and the W-8BEN to collect first.
THBThailand · PromptPayHow to Pay Contractors in Thailand in 2026 (Rails, Fees, Tax Forms)
Paying a freelancer in Bangkok or Chiang Mai from the US: what a wire, PayPal, Wise, Payoneer, and a stablecoin-settled THB payout each cost, how PromptPay IDs work, and the W-8BEN to collect first.
AEDUAE · AaniHow to Pay Contractors in the UAE in 2026 (Rails, Fees, Tax Forms)
Paying a freelancer in Dubai or Abu Dhabi from the US: what a wire, PayPal, Wise, Payoneer, and a stablecoin-settled AED payout each cost, what lands via Aani, and the W-8BEN you need first.
HKDHong Kong · FPSHow to Pay Contractors in Hong Kong in 2026 (Rails, Fees, Tax Forms)
Paying a freelancer in Hong Kong from the US: what a wire, PayPal, Wise, Payoneer, and a stablecoin-settled HKD payout each cost, how FPS delivers in seconds, and the W-8BEN to collect first.
CNYChina · CNAPSHow to Pay Contractors in China in 2026 (Rails, Fees, Tax Forms)
Paying a freelancer or supplier in mainland China from the US: SAFE's $50,000 quota, why many businesses invoice in USD via Hong Kong, what each rail costs, and the W-8BEN you need before the first payment.