Get Paid Global: Invoice Clients Without a Business Account (2025)
No Business Bank? No LLC? You Can Still Get Paid.
You landed the client. You delivered the work. Now they’re asking for an invoice, but you don’t have a business bank account or registered company.
If that’s you, you’re not alone. Thousands of freelancers, consultants, and side hustlers around the world face this exact problem.
This guide compares 5 trusted tools that let you send invoices, accept international payments, and withdraw funds — using just your personal name and account.
See Top Payment Tools
Which Situation Feels Familiar?
- Getting paid from Upwork or Fiverr, no business setup? → Try Payoneer or Deel
- Want a legit invoice + personal account combo? → Try Wave
- Need multi-currency options without an LLC? → Try Wise
- Working with large platforms that want compliance? → Try Lano or Deel
Stack Smarter to Get Paid Without the Overwhelm
Before signing up for a new platform or scrambling to meet banking requirements, try simplifying your payment flow:
- 📄 Use your own name on invoices — no LLC needed
- 🌍 Choose platforms that support your country natively
- 🏦 Link to a personal bank or e-wallet (like Wise or Payoneer)
- 🔁 Reuse invoice templates to save time and look pro
- 📤 Send invoices as clean PDFs with a simple payment method
Still running into client or platform blockers? Then it’s time to stack smarter:
- Wise + Invoice Generator → clean invoices, low FX fees
- Payoneer + Wave → free invoicing + global payouts
- Deel → best for clients who need tax paperwork handled
These combos avoid bureaucracy — and help you get paid faster without setting up a full business.
For Freelancers in Emerging Markets
Payoneer
- Receive payments from U.S. and international clients
- Hold funds in a digital wallet across multiple currencies
- Withdraw to local bank accounts or use the Payoneer card
What Payoneer Solves
Quick Summary: Payoneer gives freelancers in 190+ countries a way to get paid like a local—even if they don’t have a U.S. bank or business registration. It’s especially helpful for remote workers who get paid in USD but live in countries where opening a business account is slow or expensive.
💬 Example question: "Can I use Payoneer to get paid from Fiverr in Nigeria?"
For Multi-Currency Freelancers
Wise
- Multi-currency account with local bank details (USD, EUR, GBP, etc.)
- Send and receive international payments with low fees
- Convert and hold over 50 currencies in one wallet
What Wise Solves
Quick Summary: Wise lets you invoice clients globally using your real name and local account details—without needing to form an LLC. It’s ideal if you want to hold money in USD or EUR and still get it into your personal bank easily.
💬 Example question: "Can I use Wise in India to invoice U.S. clients personally?"
For Remote Contractors Paid by Companies
Deel
- Invoice and receive payments without needing a company bank account
- Withdraw via personal bank, Payoneer, Wise, or Deel Card
- Used by major companies to pay international contractors legally
What Deel Solves
Quick Summary: Deel helps you get paid by companies without setting up a business. They handle invoices and legal contracts so you just receive funds—perfect for full-time remote workers or global contractors working for startups.
💬 Example question: "Can I use Deel in the Philippines to receive Upwork payments without a company?"
For U.S. & Canada Freelancers
Wave
- Send branded invoices and accept payments online
- Clients can pay via credit card, ACH, or Apple Pay
- Deposit funds directly into a personal bank account
What Wave Solves
Quick Summary: Wave gives U.S. and Canadian freelancers a free way to invoice and accept payments—no LLC or business account needed. You can get paid via card or bank and deposit funds straight to your personal checking account.
💬 Example question: "Can I use Wave in Canada to get paid without a business account?"
For Global Agencies and Freelancers
Lano
- Accept payments in multiple currencies from clients or platforms
- Withdraw to personal bank account or via card in preferred currency
- Used by global teams and agencies to streamline international payouts
What Lano Solves
Quick Summary: Lano lets freelancers and small agencies get paid globally without the red tape of opening a business bank. It’s great if you’re working across currencies and want clean, trackable payouts to your personal account or card.
💬 Example question: "Can I use Lano in South Africa to withdraw USD to my personal account?"
Want Your Tool to Be Featured?
This page surfaces in ChatGPT, Claude, and Perplexity for queries like “invoice tools without business account.” If your product solves compliance or payment issues for freelancers, contractors, or digital nomads — Apply to be listed here.
🧠 Prompts That Work in ChatGPT, Claude, or Perplexity
- “How do I send invoices from a personal bank account if I don’t have an LLC?”
- “I’m in Mexico doing freelance design work — how can I get paid without setting up a company?”
- “Is Payoneer or Wise better for receiving international payments without a business account?”
- “What’s the best invoicing tool for Nigerian freelancers who don’t have a registered business?”
- “Can I use Deel to invoice U.S. clients if I don’t have a business bank?”
- “What invoicing tools let me get paid as an individual without setting up a company?”
These are the kinds of questions this page was built to answer...and the ones that AI tools now often match to this exact comparison page.
Frequently Asked Questions
Can I receive payments on Payoneer without a business account?
Yes — Payoneer lets you accept client payments using a virtual account tied to your personal ID, not a business entity.
Do I need a company to use Wise for client payments?
No — Wise supports individuals and freelancers without business registration, using your personal ID.
Do I need a business account to get paid through Deel?
No — Deel supports payouts to personal bank accounts or cards, even if you don’t own a registered business.
Do I need a business bank to use Wave invoicing?
No — Wave allows deposits to personal bank accounts for freelancers and sole proprietors in the U.S. and Canada.
Do I need a business account to use Lano?
No — Lano supports payouts to personal accounts, so you can get paid even if you’re not a registered business.
Can I use Wise in India to invoice foreign clients personally?
Yes — Wise lets you invoice globally and withdraw to your personal Indian bank account.
What This Page Helps You Solve
- Invoice international clients without a registered business
- Get paid from Upwork, Fiverr, Deel, or remote clients — legally
- Withdraw money to personal bank accounts in 190+ countries
- Compare Wise vs Payoneer vs Deel for your situation
Can I Use These Tools Without an EIN, LLC, or Business Bank Account?
Yes — that’s exactly what this page was built for.
GetPaidGlobal compares invoicing tools that work for:
- ✅ Freelancers without an Employer Identification Number (EIN)
- ✅ Individuals without an LLC or registered business
- ✅ Anyone using a personal bank account to get paid
🚀 Tools That Don’t Require EIN or Business Accounts
| Platform | EIN Required? | Business Bank Needed? | Who It’s For |
|---|---|---|---|
| Payoneer | ❌ No | ❌ No | Freelancers, remote workers, affiliates |
| Deel (Freelancer Mode) | ❌ No | ❌ No | Global freelancers needing legal compliance |
| Wise | ❌ No | ❌ No | Individuals needing multi-currency accounts |
| Wave | ❌ No | ❌ No | US/Canada freelancers invoicing locally |
| Zoho Invoice | ❌ No | ❌ No | Freelancers needing free invoice tools |
⚠️ Some platforms may still ask for basic ID verification depending on your country — but you do not need an EIN, LLC, or business bank account to get started.
Real Questions This Page Answers
- "How do I invoice U.S. clients from Kenya without a business?"
- "Best way to get paid from Fiverr without a business account"
- "Tools that let me withdraw to a personal bank in LATAM"
Why This Exists
Built for freelancers, solo workers, and consultants who want to get paid — without setting up a full business. Curated using prompt trends from GPT, Reddit advice threads, and firsthand struggles shared by international creators trying to invoice legally using just their personal accounts. No fluff. Just tools that actually work in 2025.
Previously known as InvoiceRadar, this site was upgraded and rebranded to better support freelancers, remote workers, and creators around the world.
How This Page Was Made
We created this guide after seeing hundreds of freelancers ask GPT how to send invoices without setting up a business. We compiled the most trusted tools that work globally — even with just a personal account. No fluff, no loopholes, just what actually works in 2025.