How do I share my details so a client can pay in dollars?

With Ruvo you get your own US account details, an account number and ACH routing number, and share them with your client or platform like any local account. It accepts ACH, RTP and wire, and the payment lands directly in your dollar balance.

Am I required to convert to reais?

No. You can hold the balance in dollars and convert only when you want, with conversion from 0.3% for PJs and 0% IOF.

What does it cost to receive and convert?

Receiving in dollars is free; converting USD to BRL starts at 0.3% for PJs. There is no IOF on any operation at Ruvo.

Can I issue a service export invoice to a US company from a Brazilian CNPJ?

Yes. Brazilian companies issue invoices in USD to foreign clients under the service export regime. ISS is generally exempt on exports under Lei Complementar 116/2003. The invoice document can be a simplified export nota fiscal or a contract-based invoice, depending on your municipal rules. Ask your contador which format applies to your business and municipality.

Do I need to register foreign income with Banco Central?

The exchange contract (contrato de câmbio) generated on each conversion through Ruvo satisfies the Banco Central reporting requirement for that transaction. You do not need to file separately. Keep a record of your invoices and the corresponding conversion dates and rates for Receita Federal purposes.

Can I use my business Ruvo account for personal expenses too?

Ruvo lets you hold separate PJ (business) and PF (personal) accounts. Using a business account for personal expenses is not recommended — mixing creates accounting problems and may complicate your tax filings. Open a PF account alongside the PJ account; you can hold separate balances and convert independently for each.

Practical guide

How to receive USD as a PJ

InvoicesUSDReceiving from abroadPJ

The complete path for Brazilian PJs to receive dollar payments from foreign companies: from invoicing to holding, converting and spending.

PJ owner receiving a dollar payment on their phone

What you need to get started

To receive dollars as a PJ, a few things need to be in place:

An active company (CNPJ) and a contract with your client abroad.
Service-export invoicing, set up with your accountant.
An account that receives international payments. With Ruvo you get your own US account details (routing + account number) that you share like any local account.

If your arrangement is employment rather than contracting, see our guide for remote workers under foreign employers. New to this? Start with the complete guide to receiving from abroad.

Service-export invoicing

Services provided to clients outside Brazil count as service exports and require invoicing. This keeps your operation compliant and proves the origin of the funds. The exact classification depends on your city and regime, align it with your accountant. For the tax side, see business tax on exported services.

Receive in dollars, convert on your terms

Those details accept ACH, RTP (instant) and wire, and receiving is free. Instead of converting everything the moment money arrives, you can hold the balance in dollars and convert only when the rate is good: PJs convert USD to BRL from 0.3%, always with 0% IOF and Pix settlement in seconds.

What it costs to receive

The gap between an efficient account and an expensive one shows up every month. Traditional banks over SWIFT charge 4% to 8% across FX, fees and IOF, and take days. A dollar account on stablecoin rails delivers the same operation for under 1%, almost instantly. Compare options in the best account to receive USD guide, and see how to receive a USD salary in Brazil with lower fees.

Cost to receive $4,000/month as a PJ in Brazil

Method	Typical all-in cost	What you pay
Bank wire (SWIFT)	4–8%	Transfer fee + FX spread + IOF
Fintech (Wise, Payoneer)	1.5–4%	FX spread + fixed fee per transfer
Ruvo — PJ	~0.3%	Competitive FX, free to receive
Ruvo — PF	~0.9%	Competitive FX, free to receive

Once the dollars are in

A dollar balance is more than a place to park money:

Spend it straight from a card, with no IOF and no spread.
Send to suppliers, partners or yourself by Pix, ACH, wire or crypto.
Hold in digital dollars (USDT/USDC) in a wallet you control, and move to a personal (PF) account for free when you want.

Forwarding dollars or converting to reais

Once dollars arrive in your Ruvo PJ account, you have several options: convert to reais by Pix at the current rate, hold the balance for future expenses or a better rate, send abroad by ACH or wire to pay foreign suppliers, or move value to a crypto wallet. The right choice depends on your cash-flow needs, upcoming reais expenses and views on the exchange rate. Most businesses convert a predictable portion each month to cover local costs and hold the remainder in dollars as a buffer.

Record-keeping and Banco Central reporting

Ruvo generates an exchange contract (contrato de câmbio) on each conversion, which satisfies the Banco Central reporting requirement for that transaction. Keep records of each international receipt — the invoice, the amount in dollars, the date and the reais equivalent — for both Receita Federal and Banco Central purposes. If your volume of international receipts is high (above R$300,000/year approximately), ask your contador whether any additional Banco Central declarations apply to your situation.

Frequently asked questions

Receiving USD as a PJ, in practice.

Talk to support

With Ruvo you get your own US account details, an account number and ACH routing number, and share them with your client or platform like any local account. It accepts ACH, RTP and wire, and the payment lands directly in your dollar balance.
No. You can hold the balance in dollars and convert only when you want, with conversion from 0.3% for PJs and 0% IOF.
Receiving in dollars is free; converting USD to BRL starts at 0.3% for PJs. There is no IOF on any operation at Ruvo.
Yes. Brazilian companies issue invoices in USD to foreign clients under the service export regime. ISS is generally exempt on exports under Lei Complementar 116/2003. The invoice document can be a simplified export nota fiscal or a contract-based invoice, depending on your municipal rules. Ask your contador which format applies to your business and municipality.
The exchange contract (contrato de câmbio) generated on each conversion through Ruvo satisfies the Banco Central reporting requirement for that transaction. You do not need to file separately. Keep a record of your invoices and the corresponding conversion dates and rates for Receita Federal purposes.
Ruvo lets you hold separate PJ (business) and PF (personal) accounts. Using a business account for personal expenses is not recommended — mixing creates accounting problems and may complicate your tax filings. Open a PF account alongside the PJ account; you can hold separate balances and convert independently for each.

Sources

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