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.
OperationsA Till number (Buy Goods) is for customers paying at the counter. A Paybill number is for payments against an account or invoice, where the customer enters an account number. Many Kenyan businesses use both: a Till for walk-in sales and a Paybill for clients paying invoices.
ComplianceAn EIN is a tax number for an entity, such as your US LLC. An ITIN is a tax number for an individual who needs one but cannot get a Social Security number. Most foreign owners of a US LLC need the EIN; many never need an ITIN.
PaymentsA SWIFT code identifies a bank, not an account. Here is how to read one, where to find yours, and which payments actually need it.
OperationsClients abroad pay late for different reasons than local ones. The wire is expensive, the invoice is missing a detail their accounts team needs, or nobody owns the payment. Most of it is fixable before you send the invoice.
ComplianceA confirmation statement (form CS01) tells Companies House that the information it holds about your company is correct. You file at least once every 12 months, within 14 days of your review date. The online fee rose to £50 on 1 February 2026.
AccountsA US client asks for your bank details and you send five lines of numbers. Here is what each one does, which ones the client needs, and the mistakes that bounce payments.
ComplianceNigeria's tax reform acts took effect on 1 January 2026. Small companies, with turnover of ₦100 million or less and fixed assets under ₦250 million, are exempt from company income tax, capital gains tax and the new development levy. Larger companies pay a single 4% levy instead of several old ones.
AccountsCanadian clients pay suppliers by EFT, wire or Interac e-Transfer. With CAD details in your company's name, they pay you the same way. Here is how it works.
ComplianceThe UK VAT registration threshold has been £90,000 since 1 April 2024. The test is a rolling 12-month total checked every month end, plus a forward look at the next 30 days. Overseas businesses selling in the UK have no threshold at all.
PaymentsA letter of credit is a bank's promise to pay a seller when they prove they shipped. It protects both sides of a trade, for a price. Here is how it works.
PaymentsA domestic payment moves between two banks on one network. A cross-border payment has to cross at least two, and every crossing adds cost and time. Here is how it works.
AccountsSwitching business accounts is mostly a list problem: every customer who pays you and every bill you pay has to move. Here is the order that keeps money flowing while you change.
ComplianceNo. Ghana repealed the Electronic Transfer Levy with effect from 2 April 2025. Mobile money and bank transfers no longer carry the 1% tax. Operators' own transfer fees and other taxes still apply, so the cost of collecting by MoMo did not fall to zero.
ComplianceAn EIN is a US company's tax ID. Almost every bank and payment provider asks for it. Here is how to get one, including when you have no SSN.
CompliancePayment apps and online marketplaces only have to send a federal Form 1099-K when you receive more than $20,000 across more than 200 transactions in a year. The One Big Beautiful Bill Act restored that test in July 2025, ending the planned drop to $600.
Cards and spendPersonal virtual dollar cards are everywhere in Nigeria, Ghana, Kenya and Pakistan. A business needs something sturdier: cards in the company's name, funded from the company's dollars.
OperationsA sole trader is the business. A limited company is a separate legal person that you own and run. That one difference drives the tax, the liability, the paperwork and how clients and banks treat you.
ComplianceIn Nigeria you register a business name or incorporate a private limited company with the Corporate Affairs Commission, online. A limited company is a separate legal person and is what most banks, payment providers and foreign clients expect. Here is the process and what comes after it.
AccountsAustralian clients pay suppliers by BSB and account number, increasingly in real time on the NPP. Here is how AUD payments work for a company outside Australia.
OperationsA supplier emails to say its bank account has changed. The email looks right, the invoice looks right, and the money goes to a criminal. Here is how the scam works and the few controls that stop it.
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.
