Remote work has created more opportunities for professionals in Mexico to work with clients in the United States. Expanding your client base internationally can open new doors. It allows you to build global connections, develop valuable skills, and advance your career.
However, receiving payments from another country involves important considerations. You may have questions about payment methods, fees, currency conversion, and tax reporting requirements.
Understanding your options can help you manage your income with confidence. This guide outlines the most common ways freelancers in Mexico receive payments from U.S. clients and provides general information to help you evaluate different tools and methods.
Common Methods for Receiving International Payments in Mexico
When you begin working with a U.S. client, one of the first decisions you’ll need to make is how you will receive payment. There are both traditional and digital options available.
| Payment Method | How It Works | Key Considerations/Requirements |
| International Bank Wire Transfers | U.S. client instructs their bank to transfer funds directly to the Mexican bank account through international banking networks. | May need to provide your CLABE (Clave Bancaria Estandarizada) and your bank’s SWIFT code. Banks typically charge fees, and processing times can vary. |
| Paper Checks | Client issues a paper check in U.S. dollars, which you typically deposit into your Mexican bank account. | Clearing an international check usually takes longer than digital transfers. Banks may require additional verification steps and charge extra processing fees. |
| Digital Payment Platforms | Digital payment services act as intermediaries: the client sends funds to the platform, which then facilitates the transfer to you. | You must review the platform’s terms carefully, paying attention to fees, exchange rate policies, availability in Mexico, and withdrawal processes. |
Managing Payments with Remitly for Freelancers
Remitly provides a way for freelancers, contractors, and remote workers to receive payments from clients in other countries.
Remitly for Freelancers allows you to create a payment request and send it to your client. The client completes the payment through a secure link. Once the payment is processed, funds are made available to you within Remitly.
Users can review the available options for receiving or transferring funds, subject to product features, eligibility requirements, and applicable terms.
As with any financial service, review the latest fee information, exchange rate details, and terms and conditions before using the platform.
Important Tax Considerations for Freelancers in Mexico
Receiving payments from U.S. clients does not eliminate your tax obligations in Mexico. Freelancers must report their income and comply with regulations established by the Servicio de Administración Tributaria (SAT).
Depending on your situation, you may be required to issue electronic invoices (facturas electrónicas) and report foreign-sourced income under Mexican tax regulations. Some freelancers choose tax regimes designed to simplify compliance for individuals and small businesses.
Tax laws and eligibility requirements can change, and your obligations will depend on your specific circumstances.
This information is provided for general educational purposes only and does not constitute legal, tax, or financial advice. You should consult a qualified accountant or tax professional in Mexico for guidance tailored to your situation.
Frequently Asked Questions (FAQs)
Do I need a U.S. bank account to work with U.S. clients?
No, you do not necessarily need a U.S. bank account. Many freelancers receive payments directly into their Mexican bank accounts or use digital platforms to transfer funds internationally. The requirements depend on the payment method you choose.
Can I keep my earnings in U.S. dollars?
Whether you can hold funds in U.S. dollars depends on the payment provider and the features available at the time. Some platforms may offer the ability to manage USD balances, subject to their terms and eligibility requirements.
What information do I need to give my client?
If you are receiving a bank transfer, your client may request your full name, address, CLABE number, and your bank’s SWIFT code. If you use a digital platform, you typically follow the provider’s instructions for sharing payment details securely.
Is it safe to receive money online?
When choosing a financial service provider, review its reputation, regulatory standing, and customer support options. Carefully read its terms and policies so you understand how your funds and personal information are protected.