Guides for companies that earn, hold and pay in more than one currency: what each payment rail costs, how verification works, how to pay people abroad, and where stablecoins fit.
PaymentsA customer in another country disputes a card payment, and the money leaves your balance before you hear about it. Here is how the chargeback process runs, what evidence wins, and how to prevent the disputes that cross-border sellers see most.
ComplianceSince the Supreme Court's Wayfair decision in 2018, a seller with no office in a state can still have to collect its sales tax once sales into that state pass a threshold. Most states use $100,000 of sales a year; California, Texas and New York use $500,000.
AccountsNo law says a UK sole trader must open a business bank account. Many banks' personal account terms forbid business use, though, and Making Tax Digital makes a separate account far more useful. A limited company is different: its money has to sit in its own name.
OperationsIf you earn in one currency and spend in another, exchange rates move your profit without you doing anything. Here is how small businesses keep that under control.
PaymentsIn Kenya, money moves between banks on PesaLink and between people on M-Pesa. For companies paying Kenyan teams, both matter. Here is how they work.
PaymentsBoth are cheap. WorldFirst is free to open and aimed at sellers and importers; Wise charges a small setup fee and converts from 0.24%. The difference is in what you do with the money.
ComplianceEvery import into Nigeria starts with Form M, an electronic declaration filed through an authorised dealer bank on the CBN's trade monitoring system. It records what you are importing, from whom and for how much. Customs uses it to issue the PAAR, and your bank uses it to pay the supplier.
PaymentsPayPal is easy for clients and expensive for you. On an international payment, three fees can apply before the money reaches your bank. Here they are.
PaymentsFaster Payments arrives in seconds and runs 24/7, up to £1 million. Bacs takes three working days and suits payroll and Direct Debits. CHAPS settles large payments the same working day through the Bank of England, usually for a fee.
PaymentsIn 2026 Nacha's rules started requiring nearly everyone in the ACH network to monitor for payments sent because of fraud. Two new standard entry descriptions also arrived. Here is what changed and why your bank may ask more questions.
PaymentsPayset publishes its prices, which makes it easy to compare. The monthly fee, the application fee and three months paid upfront add up before you send a single payment. Here is how six alternatives compare.
PaymentsThe fee printed on a transfer is usually the smaller part of its cost. The bigger part is inside the exchange rate. Here is how to find it, and how to compare providers on one number.
PaymentsSince October 2025, euro payments in the EU can arrive in seconds, and payers see a warning if your name does not match your IBAN. Here is what to check on your side.
PaymentsThe Philippines is one of the largest markets for remote contractors. Pesos reach Philippine bank accounts by InstaPay in seconds for smaller amounts, or by PESONet for larger ones. A SWIFT wire in USD often loses fees on the way and gets converted at the receiving bank's rate.
AccountsStripe and Shopify Payments take the money. They still need somewhere to send it, and they do not pay your suppliers. Here is how the pieces fit.
PaymentsConfirmation of Payee checks the name you type against the name on the account before a UK payment goes. A match is green. A close match or no match is a warning to stop and check. Most mismatches on business payments come from trading names and account types.
AccountsA virtual account number receives money like any account, then routes it to a balance held elsewhere. Here is how businesses use them and what to check.
ComplianceYour US LLC has earned money. You live in another country and want to pay yourself. The transfer is the easy part. The records around it decide how clean your US filings and your home-country taxes stay.
PaymentsIt depends on the country. In Kenya, PayPal accounts can receive and withdraw to M-Pesa through the M-PESA app. In Nigeria, PayPal accounts have long been limited to sending. For B2B clients abroad, a local bank transfer to account details in your company's name is usually simpler than PayPal anyway.
ComplianceA US client asks for a W-8 before paying your invoice. There are two versions, and the wrong one can mean 30% withheld. Here is which to use.
Every article is researched against primary sources: the regulation, the scheme rulebook or the provider’s own documentation. Each one lists them at the end.
Subscribe via RSSAlexia compares the accounts, cards and payment tools companies weigh before they switch, and writes Rivet's market guides for founders in a specific country. Prices in Alexia's comparisons come from each provider's own pricing page on the date given in the article, rules come from the regulator or tax authority that sets them, and every source is listed at the end.
Rashidatou writes Rivet's guides to how money moves between countries: the payment rails, what each one costs, and the account details a company needs to get paid in another currency. Every figure in Rashidatou's articles is traced to the scheme rulebook, the regulator or the provider's published price list, and those sources are listed at the end.
William covers what happens once a company starts moving money: getting the business verified, paying contractors and suppliers abroad, and keeping card spend under control. William writes for the founder or finance lead who has to make it work this week, and links every rule cited to the text it comes from.
Bank accounts in USD, EUR and GBP, cards with a limit on each, and payouts on local rails. Starter is free.
