How to Choose the Best Payment Platform for US Freelancers

Are you losing money to high fees, waiting days for your payments, or struggling to find a payment platform your clients actually use? The right payment platform can turn these headaches into a seamless, profitable freelance experience—helping you get paid faster, keep more of your earnings, and impress clients with your professionalism.

I’m Riten, founder of Fueler—a platform that helps freelancers and professionals get hired through their work samples. In this guide, I’ll show you how to choose the best payment platform for US freelancers in 2025. Just like your portfolio is your proof of skill and credibility, your payment process is your shortcut to trust and reliability with clients. Let’s make sure you’re set up for success.

What Makes a Payment Platform “The Best” for Freelancers?

Choosing a payment platform isn’t just about what’s popular—it’s about what works for your workflow, your clients, and your bottom line. Here’s what you need to consider:

• Transaction Fees: Lower fees mean you keep more of what you earn. Watch out for hidden charges, especially on international payments.
• Payout Speed: Fast access to your money is crucial for cash flow. Some platforms offer instant or same-day settlements, while others can take days.
• Ease of Use: A user-friendly dashboard, simple invoicing, and easy withdrawals save you time and stress.
• Global Reach: If you work with international clients, look for platforms that support multiple currencies and countries.
• Security: Strong encryption, fraud detection, and buyer/seller protection are a must for safe transactions.
• Integration: Does the platform work with your invoicing, accounting, or freelance marketplace tools? Seamless integration saves time and reduces errors.

1. Hurupay

Hurupay is quickly gaining popularity among freelancers for its fast, low-fee, and borderless payments. It’s designed for the global workforce, offering same-day settlements and flexible withdrawal options.

• Same-day USD settlements—get paid within hours, not days
• Free virtual USD, EUR, and GBP accounts (no SSN or paperwork needed)
• 1% flat fee, no hidden charges
• Stablecoin integration for instant access and protection against currency swings
• Withdraw to crypto exchanges, local banks, or mobile wallets
• Available in 100+ countries

Why Hurupay Matters for US Freelancers:

Hurupay’s speed, transparency, and flexibility make it a game-changer for US freelancers working with both domestic and international clients. You get paid faster, lose less to fees, and have more control over your money.

2. Wise (formerly TransferWise)

Wise is a favorite for freelancers who need to send or receive international payments. It offers real exchange rates, low fees, and multi-currency accounts with local bank details in major currencies.

• Real exchange rate (no markup)
• Fast transfers to 70+ countries
• Multi-currency accounts with local bank details
• Integrates with accounting software like QuickBooks and Xero

Why Wise Matters for US Freelancers:

Wise’s transparent fees and true exchange rates help you keep more of your earnings. If you have clients abroad or need to manage multiple currencies, Wise is a top choice.

3. Payoneer

Payoneer is built for global freelancers, supporting payments from platforms like Upwork, Fiverr, and Amazon. It offers flexible withdrawal options and multi-currency accounts.

• Receive payments from freelance platforms and clients worldwide
• Flexible local bank withdrawals in 150+ countries
• Prepaid MasterCard for instant spending
• No monthly fees unless inactive for 12+ months

Why Payoneer Matters for US Freelancers:

Payoneer’s integration with major freelance platforms and global reach make it ideal for US freelancers with international clients. You can access your money quickly and spend it anywhere.

4. PayPal

PayPal remains one of the most widely used payment platforms for freelancers, thanks to its global reach and ease of use. However, it comes with higher fees, especially for currency conversions.

• Instant payments within the PayPal ecosystem
• Automated invoicing and business debit card
• Buyer and seller protection
• Widely accepted by clients worldwide

Why PayPal Matters for US Freelancers:

PayPal’s convenience and client trust make it hard to ignore, even with higher fees. It’s a reliable option for freelancers who want a platform most clients already use.

5. Stripe

Stripe is popular among freelancers who need customizable payment solutions, recurring billing, or run e-commerce shops. It supports over 135 currencies and offers robust integration options.

• Recurring payments and subscriptions
• Tax collection for global products and services
• Integration with online stores and business tools
• Advanced analytics and reporting

Why Stripe Matters for US Freelancers:

Stripe’s flexibility and powerful integrations make it perfect for freelancers who want to automate payments or offer subscription-based services.

6. Revolut Business

Revolut Business is gaining traction among freelancers, especially in Europe, for its multi-currency accounts and mobile-first approach.

• Multi-currency accounts and FX at interbank rates
• Free and paid tiers available
• Invoicing and expense management via mobile app
• Excellent user experience

Why Revolut Business Matters for US Freelancers:

Revolut’s mobile-first design and low FX fees make it a strong option for US freelancers working with European clients or managing multiple currencies.

7. Mercury

Mercury is a US-based fintech bank that’s great for freelancers or businesses operating in the US, especially those with a US LLC.

• US business banking without being in the US
• No monthly fees
• Seamless with Stripe and ACH payments
• Designed for startups and remote workers

Why Mercury Matters for US Freelancers:

Mercury’s US business banking features and no-fee structure make it an attractive choice for freelancers serving US clients or running a US-based business.

How to Choose the Best Payment Platform for Your Freelance Business

1. List Your Priorities:

Decide what matters most—low fees, fast payouts, global reach, or integration with your favorite tools.

2. Compare Fees and Features:

Check transaction fees, withdrawal options, and any hidden charges for each platform.

3. Test User Experience:

Sign up for a free account and explore the dashboard, invoicing, and withdrawal process.

4. Ask Your Clients:

Find out which platforms your clients prefer to use. The easier you make it for them, the faster you get paid.

5. Stay Flexible:

Don’t be afraid to use more than one platform. Many top freelancers keep 2-3 options open to fit different clients and projects.

Why This Matters for US Freelancers

Choosing the right payment platform directly impacts your freelance income, client satisfaction, and business growth. The best payment platforms for US freelancers in 2025 give you speed, security, and global flexibility—so you can focus on your work, not your payments.

And remember, just like a smart payment process builds trust with clients, a strong portfolio builds trust before you even start a project. Fueler helps you showcase your work through assignments, making it easier for companies to hire you based on your real skills.

Final Thought

Don’t let payment hassles hold you back from freelance success. Take the time to choose a payment platform that fits your needs, keeps your money safe, and helps you grow your business. And if you want to stand out even more, use Fueler to build a portfolio that proves your value to every client.

FAQs

1. What is the best payment platform for US freelancers in 2025?

Hurupay, Wise, and Payoneer are among the top choices for their speed, low fees, and global support.

2. How can I avoid high payment fees as a freelancer?

Compare platforms for transparent pricing, use Wise or Hurupay for international payments, and avoid unnecessary currency conversions.

3. What payment platform is best for international clients?

Wise and Payoneer offer multi-currency accounts and low-cost global transfers, making them ideal for international freelance work.

4. Is PayPal still a good option for freelancers?

Yes, PayPal is widely trusted and easy to use, but watch out for higher fees and exchange rate markups.

5. Can I use more than one payment platform as a freelancer?

Absolutely. Many freelancers use multiple platforms to suit different clients and maximize flexibility.

What is Fueler Portfolio?

Fueler is a career portfolio platform that helps companies find the best talents for their organization based on their proof of work.

You can create your portfolio on Fueler, thousands of freelancers around the world use Fueler to create their professional-looking portfolios and become financially independent. Discover inspiration for your portfolio

Sign up for free on Fueler or get in touch to learn more.