The professional landscape in Mexico is evolving. Remote work continues to grow, and nearshoring has expanded opportunities for Mexican professionals to work with companies in the United States. Software developers, graphic designers, virtual assistants, and content writers are increasingly participating in cross-border work.
Once you secure a U.S. client, the next step is determining how you will receive payment. International transfers involve different banking systems, currencies, and processing methods. Understanding your options can help you choose the solution that best fits your needs.
This guide explains common ways to receive payments from the U.S. and highlights tools designed for freelancers working with international clients.
Understanding International Payments
When money is sent across borders, it moves through multiple financial systems. A transfer from the United States to Mexico may require currency conversion and coordination between banks through international networks.
In the past, international transfers often required extensive paperwork and longer processing times. Today, freelancers can choose from traditional bank transfers and digital payment platforms.
Each option has its own process, timelines, and fee structures.
The Traditional Route: Bank Wire Transfers
Wire transfers have long been used for international payments. Banks communicate through established global messaging systems to move funds between accounts.
To receive a wire transfer in Mexico, you may need to provide:
- Your full name as it appears on your bank account
- Your CLABE (Clave Bancaria Estandarizada)
- Your bank’s SWIFT/BIC code
- Your contact details
Participating banks may charge high processing fees. In some cases, intermediary banks may deduct additional fees before the funds reach your account. Processing times vary depending on the banks involved.
The Modern Route: Digital Payment Platforms
Digital payment platforms are widely used by freelancers and remote workers. These platforms typically offer web-based or mobile tools to manage incoming payments.
Depending on the provider, users may be able to create payment requests, track transaction status, and transfer funds to their local bank accounts. Setup processes and available features vary by platform.
Remitly for Freelancers
Remitly for Freelancers is designed for freelancers, contractors, and remote workers who receive payments from international clients. The platform allows you to request payments and receive funds into a USD balance within your account.
Users can view incoming payments and choose when to initiate a withdrawal to their Mexican bank account, subject to availability, eligibility, and applicable terms.
How It Works
The general workflow includes the following steps:
| Step | Description |
| Create a Request | You generate a payment request within the Remitly platform, specifying the payment details and amount. |
| Share with Your Client | You send the payment request link to your client using your preferred communication method. |
| Client Completes Payment | The client follows the link and submits payment through the secure page. In many cases, the client may need to sign up for a free account to complete the transaction. |
| Receive Funds | Once the payment is processed, the funds are credited to your Remitly wallet as a USD balance in your account. |
Note: Availability, processing times, and features may vary depending on your location and eligibility.
Holding Funds in USD
Payments received through your freelance account can remain in USD within your account. This gives you the flexibility to decide when to transfer funds to your Mexican bank.
When you initiate a withdrawal, the applicable exchange rate and fees are displayed before you confirm the transaction. The amount you receive in Mexican pesos is based on the exchange rate at the time of withdrawal.
Factors to Consider When Choosing Payment Tools
Fee Visibility
Review how and when fees are disclosed. Some providers display exchange rates and charges before you confirm the transaction, allowing for greater transparency.
Security Practices
Look for providers that use data protection measures and operate under regulatory oversight in the jurisdictions where they are licensed. Reviewing a provider’s security policies can help you assess whether it meets your standards.
Client Experience
Choose a payment method that is convenient for both you and your client. A straightforward payment process can reduce administrative work and improve efficiency.
Taxes and Compliance in Mexico
Income earned from international clients may need to be reported for tax purposes in Mexico. The Servicio de Administración Tributaria (SAT) requires Mexican residents to report worldwide income, including earnings from foreign sources.
Mexico offers several tax regimes for individuals, including the Régimen Simplificado de Confianza (RESICO) and the Régimen de las Personas Físicas con Actividades Empresariales y Profesionales. Each regime has its own requirements regarding tax rates, deductions, and compliance obligations.
Depending on your situation, you may need to issue a CFDI (Comprobante Fiscal Digital por Internet) for income received. Requirements vary based on your tax status and type of activity.
This guide is provided for informational purposes only and does not constitute tax advice. You should consult a qualified accountant or tax professional in Mexico to understand your specific obligations.
Frequently Asked Questions (FAQs)
Can I receive U.S. dollars in Mexico?
With a Remitly freelance account, you can receive payments in USD into your Remitly wallet. You can choose when to convert and withdraw the funds to your Mexican bank, mobile wallet or other delivery options.
Do I need a U.S. bank account?
You do not need a U.S. bank account when you get paid through your Remitly freelance account. Digital payment platforms can facilitate cross-border payments without requiring you to open a U.S.-based account.
How does my client pay?
When using Remitly for freelancers account, you create a payment request link and share it with your client. The client follows the link and completes the payment through the secure form provided.
Is it safe to use digital platforms?
Digital financial service providers typically implement security measures and operate under regulatory frameworks in the jurisdictions where they are licensed. Reviewing the provider’s security policies and terms can help you make an informed decision.
When is the exchange rate applied?
If you hold funds in USD, the exchange rate is applied at the time you initiate a withdrawal to your Mexican account. The applicable rate and any fees are displayed before you confirm the transaction.
Take Control of Your International Earnings
Working with international clients can create meaningful opportunities for professional growth. By understanding your payment options, you can choose the method that best supports your workflow and financial goals.
Remitly for Freelancers provides a way to easily request payments and receive funds into a USD balance, with the option to transfer them to your local account when needed. As with any financial service, reviewing fees, exchange rates, and applicable terms before confirming a transaction can help you make informed decisions.