Receive money from abroad as a PJ with great FX and transparent fees.
How PJs get paid from abroad today
There are several ways to receive international payments as a PJ. All of them work — but they differ in cost, speed, and control. The right option depends less on the amount you receive — and more on how often you get paid and how much control you want when it comes to timing.
International bank transfers via SWIFT
Widely accepted and familiar, but often slow, expensive, and unpredictable. Best for large, infrequent payments
Typical fee: $20USD+
Timeline: 1–4 business days
Payment platforms and digital wallets
Easier to set up and faster than traditional banks, but often include platform fees and forced conversion.
Typical fee: 1–3%
Timeline: 1 business day
Contractor and payroll solutions
Designed for recurring international income, and used by companies with centralized HR management.
Typical fee: Varies by platform
Timeline: 1–4 business days
How PJs get paid with Ruvo
With Ruvo, PJs have access to a US bank account in order to receive funds via ACH, a free US-based payment system, from companies and clients. Move money between Brazil and the world in seconds - send, receive, and convert with real time rates and no IOF.
Receive USD via ACH or Wire, Ruvo converts to USDT
Fee: 0,2%
Timeline: 1-3 business days
Receive USD via ACH or Wire, Ruvo converts to USDT
Fee: 0,2%
Timeline: 1-3 business days
Professionals ask whether it's better to receive money from abroad as a PJ or PF
The answer usually depends on scale and structure. We've done the analysis to help you figure out what's best for you.
PF vs PJ: receiving money from abroad
IOF on incoming payments
IOF charged when using traditional banking rails. With Ruvo, no IOF due to stablecoin settlement.
Exempt under Brazilian regulation for export of services.
Tax benefits (PIS / COFINS)
Not available for individuals.
Potential exemptions when income is registered as service exports and invoiced correctly.
Accounting & documentation
Individuals must manually organize records for tax reporting.
Business accounts support invoices, reports, and accounting records for compliance.
Operational control & Scaling
Simpler setup, but limited flexibility as income grows.
Greater control over cash flow, reporting, and long-term scaling. Simplified compliance.
Transfers to personal use
Direct usage, but fewer tools for managing timing and conversion.
Funds can be distributed to partners or transferred to personal accounts with proper support.
IOF on incoming payments
IOF charged when using traditional banking rails. With Ruvo, no IOF due to stablecoin settlement.
Exempt under Brazilian regulation for export of services.
Tax benefits (PIS / COFINS)
Not available for individuals.
Potential exemptions when income is registered as service exports and invoiced correctly.
Accounting & documentation
Individuals must manually organize records for tax reporting.
Business accounts support invoices, reports, and accounting records for compliance.
Operational control & Scaling
Simpler setup, but limited flexibility as income grows.
Greater control over cash flow, reporting, and long-term scaling. Simplified compliance.
Transfers to personal use
Direct usage, but fewer tools for managing timing and conversion.
Funds can be distributed to partners or transferred to personal accounts with proper support.
Send, receive & spend as a PJ with transparent fees and no IOF
Deposit and receive BRL, money from abroad, or send to any wallet on Ruvo's crypto-native rails — all from your USDT balance. Ruvo offers the best FX rate — the same one you find on Google without any hidden markups. Just a small, flat fee per conversion, so you always know where your money goes.
- 0,2% onramp fee to convert USD to USDT
- 0,2% offramp fee to convert USDT to BRL
- Convert when rates are best
- Receive USD via ACH and convert to USDT
- Send USDT to any Crypto wallet with no fee
- Convert when rates are best
- 0,2% onramp fee to convert USD to USDT
- 0,2% offramp fee to convert USDT to BRL
- Convert when rates are best
- Receive USD via ACH and convert to USDT
- Send USDT to any Crypto wallet with no fee
- Convert when rates are best
Spend the way you earn.
Working internationally opens new opportunities
Working with international clients often means higher pay, better opportunities, and more flexibility.
Better compensation for your skills
Global rates typically exceed what local markets offer for the same work.
More stable, recurring income
International contracts often run longer and more predictably than local projects.
Freedom to work on your terms
You choose clients, projects, and schedules without geographic limits.
For Devs
Receive payroll from your employer using your Ruvo account.
- Receive in USD for a low cost
- Send to Pix or crypto wallets
- Withdraw instantly - no IOF, no hidden spreads.
What customers love about Ruvo
Hear how Ruvo transforms financial journeys
Saves money. The smartest option for CNPJs.
David Kang
Software Engineer, Turn.io
Ruvo simplifies our entire international financial workflow.
Joao Alvarenga
CEO, Antonnia AI
The best option for earning in USD.
Bruno Pazinato
Staff Engineer, Salsa
CNPJ FAQs
Common questions about receiving money from abroad as PJ or MEI
