Receive US client payments in a compliant proxy account – forward worldwide instantly
Non-US remote freelancers cannot easily open business banking accounts without an SSN, causing payment delays and reliance on inefficient workarounds.
PayBridgeHQ gives you a unique US proxy account for invoices, collects ACH/Stripe from clients, and auto-forwards to your local bank with tax docs. No personal EIN/SSN needed – we handle compliance as your fiscal sponsor. End delays and high fees for good.
Non-US remote freelancers billing US-based clients or platforms
Invoice embedding + client portal for seamless US payments without your banking setup
edgy/professional
Generates branded US receiving account per client/project
US-compliant invoices with embedded payment links
Secure login for clients to pay/view invoices
Rules-based forwarding to 100+ countries
Generates 1099s and receipts
Predicts net after tiny proxy fee
Payment velocity and client insights
Upload CSV for multiple clients
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| business_name | text | No |
| payout_details | text | Yes |
| created_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| proxy_account | text | No |
| amount | int | No |
| status | text | No |
| paid_at | timestamp | Yes |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| invoice_id | uuid | No |
| amount_net | int | No |
| status | text | No |
| completed_at | timestamp | Yes |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| tier | text | No |
| active | bool | No |
Relationships:
/api/invoicesCreate invoice with proxy
/api/invoices/:id/payClient payment page
/api/payoutsTrigger payout
/api/dashboardUser invoice/payout list
/api/stripe/webhookPayment confirmations
$1k volume limit
High volume
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 120 | 2.5% | $111 | $1,332 |
| Month 6 | 900 | 6% | $1,998 | $23,976 |
Invoices that pay direct ACH. We proxy, you get cash global. No EIN grind.
Share invoice demo on Upwork forums and Freelancer.com; email 50 recent US-billing posters on Reddit; convert via free first invoice trial.
Merchant of record
SaaS-focused, high fees
Freelance invoices, lower cost
Contractor mgmt
Not pure payments
Payment-only, instant
Switching costs from invoice history and client portals
Client demand for ACH over cards/PayPal rising with inflation/fees
High payout volumes strain cashflow
Volume caps + reserves
Fiscal sponsor compliance
Legal review, Stripe TOS align
Success: 20% convert to beta
Success: $5k MRR
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