Your client pays us. We pay you. PayOdin, a registered US company, puts its name on your invoice, collects the payment and pays you out — and a real person checks every invoice before your client sees it.
A merchant of record is the company named on the invoice — the one your client actually pays. When you work through PayOdin, that company is PayOdin, not you.
That matters because many clients, especially larger ones in the US and Europe, can only pay registered vendors. Their accounts payable software wants a company name, an address and a proper invoice. Send one from an individual in another country and the payment stalls while someone asks questions. (Wondering whether that's even allowed? Read can you invoice without a registered company?)
With a merchant of record, your client gets an invoice from a real US company and processes it like any other vendor payment. You get paid as an individual. No company to form, no compliance maze of your own. If you'd like the long version, read our plain-language guide to merchants of record.
It starts at the proposal, not the invoice.
You send your client a proposal — scope, price, timeline. They review it and agree.
The proposal becomes a signed agreement, so the invoice later matches exactly what was agreed.
A PayOdin team member reads your invoice before it goes out. Then PayOdin issues it in its own name, as a registered US company.
By card or bank transfer, through a payment link. No account needed on their side.
The invoice amount minus one fee, in USD, EUR or GBP — by local transfer where it's supported, or by wire.
Every step in detail: how PayOdin works.
Four ways to bill a client abroad, side by side.
| Question | Invoice as an individual | Form your own company | Payment or transfer account | Merchant of record (PayOdin) |
|---|---|---|---|---|
| Company needed? | No | Yes — you form and run it | No | No |
| Name on the invoice | Yours | Your company's | Yours | A registered US company's |
| Client asks for a registered vendor | Can stall the payment | Covered | Can stall the payment | Covered |
| Who checks the invoice | You | You | You | A real person at PayOdin |
| What it costs you | Bank and conversion fees | Setup, accounting and upkeep | Transfer and conversion fees | 4% per invoice, 20 minimum |
It should be a registered company your client's finance team can pay. With PayOdin, it's a registered US company on every invoice.
You'll be working under their agreement, so read it before you sign up. PayOdin's subcontractor agreement is public.
An invoice that bounces off your client's accounts payable holds up your payment. At PayOdin, a real person reviews every invoice before it goes out.
Watch for subscriptions, withdrawal fees and markups hidden in the exchange rate. PayOdin charges one fee per invoice, and you can see it before you send.
Most of what goes wrong with an invoice was decided earlier — in the scope and price. PayOdin starts at the proposal and carries it through to the agreement and the invoice.
4% of the invoice, or 20 in the invoice's currency ($20, €20 or £20) — whichever is higher. It comes out of your payout after your client pays. No subscription, no setup fee, no withdrawal fee, and no hidden currency-conversion markup.
Put in a real invoice amount and see what you'd keep with the freelancer payment calculator, or read the full pricing.
No. That's the point. PayOdin is the registered US company on every invoice. Your client pays a US entity, and you get paid as an individual — no LLC, no VAT registration of your own.
If you already have a company, that works too.
PayOdin's. The invoice your client receives comes from PayOdin, a registered Delaware LLC, not from you personally. Their accounts payable team processes it like any other vendor invoice.
You work as PayOdin's subcontractor, under an agreement that's published on this site — you can read every clause before you sign up.
Any legal work — design, development, writing, consulting, software, digital work. What matters is how you bill: per client, through a proposal, an agreement and an invoice.
No. PayOdin sends your client a payment link. They pay by card or bank transfer, the same way they'd pay any vendor, without signing up for anything.
No. A payment processor moves money from your client to you — the invoice is still yours, in your name. A merchant of record is the company your client actually buys from: it issues the invoice in its own name, takes the payment, and then pays you.
Currency, whether the amount matches what was agreed, required fields, and formatting. If something is off, you hear from PayOdin before your client sees it. This happens on every invoice.
You do. A merchant of record handles the invoice and the payment side. How your income is taxed depends on the country you live in and your own situation — worth a conversation with an accountant who knows your country.
4% of the invoice, or 20 in the invoice's currency ($20, €20 or £20) — whichever is higher. No subscription, no setup fee, no withdrawal fee, and no hidden currency-conversion markup.
The only cost outside our control is your own bank: some banks charge to receive an incoming transfer.
PayOdin is available to freelancers in most countries. The exceptions are jurisdictions under US sanctions — Russia, Iran, North Korea, Belarus, Cuba, and Syria cannot use the platform. This is a legal requirement, not a choice.
Your client can be based anywhere.
Create an account, send your client a proposal, and invoice through a registered US company — no company of your own needed.
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