For US Contractors

Get paid in USD. No Brazilian tax headache on your end.

Your Brazilian client uses BackChannel to run payroll. You receive USD in your US bank account via ACH — it looks like any other direct deposit. The BRL-to-USD FX conversion, the IOF charge, and the BACEN reporting obligations are entirely on their side. You provide your ABA routing number and account number once. That's your only action.

You receive
USD
Direct ACH to your US bank
No Brazilian bank account needed
No foreign exchange on your end
Same-day settlement
Your Experience

Three steps from your perspective

1. Your client sends BRL

Your Brazilian client schedules a payroll run in BackChannel. They send Brazilian Reais via Pix — Brazil's instant payment system. This happens entirely on their side. You take no action.

2. BackChannel handles the conversion

BackChannel converts BRL to USD in a single FX transaction. The IOF, BCB reporting, and CNPJ verification are all handled on the Brazilian side. This is transparent to you.

3. USD lands in your US bank

An ACH credit for the USD equivalent lands in your US checking or savings account. You receive a payment confirmation. Timing: same business day by 11:00 BRT (typically early US morning).

Your Bank Details

What to share with your client

Your client needs your US bank routing details to configure BackChannel. You provide this once — BackChannel stores it encrypted for future payroll runs.

ABA Routing Number
9-digit routing number for your US bank (e.g. 021000021). Found on the bottom-left of a check or in your bank's online portal.
Account Number
Your checking or savings account number. BackChannel uses this for ACH credit — the deposit appears like any other direct payment.
Zelle Note
If your bank supports Zelle, ACH credits may route instantly via the underlying rails. Your standard ABA routing number is sufficient — no Zelle enrollment required.
BackChannel does not partner with any specific US bank. Any US bank with a standard ABA routing number is compatible. We do not hold, lend, or manage your funds — the USD ACH credit is a direct transfer.

Security Note

Only share your bank routing details with your employer directly — not via BackChannel's public portal. BackChannel never directly solicits contractor banking information; your employer adds your details through their verified company account.

Tax Reporting (US)

USD payments from a Brazilian company are reportable as ordinary income for US tax purposes. You may receive payment records from your client. Consult a qualified US tax advisor regarding 1099 reporting, self-employment tax, and foreign source income classification. This is not tax advice.

FAQ

Contractor questions answered

Generally no. You are receiving USD as payment for services — the Brazilian fiscal obligations (IOF, BCB reporting, RFB RFI-1.0 filing) are on your client, not on you as the foreign service provider. Consult a tax advisor for your specific situation.
Your Brazilian client initiates each payroll run and typically notifies you of payment dates. BackChannel sends a settlement confirmation email to the client which they can share. ACH credits typically appear in your US account the same business day by mid-morning US Eastern time.
Contact your Brazilian client first — they control the USD amount entered in BackChannel. If there is a system-level discrepancy (not a contractual disagreement), your client can contact [email protected] with the transaction reference.
Any US bank with a valid ABA routing number is supported — this includes all major banks (Chase, Bank of America, Wells Fargo, Citibank, etc.) as well as fintech banks (Mercury, Relay, Brex) and credit unions. If your bank accepts ACH credits, it works with BackChannel.
Individual ACH credit limits depend on your US bank's incoming ACH policies. Standard ACH credits of under $25,000 typically process without any issue. For higher amounts, confirm your bank's incoming ACH limits. If your client runs large payrolls, they may split individual contractor credits across multiple runs.
BackChannel does not issue 1099s — it is the infrastructure for the payment, not the payer of record. Your Brazilian client is the payer of record for the services you provide. Whether a 1099 is issued depends on whether your client is a US entity for tax purposes. Consult a US tax advisor for specific guidance.

Running payroll from Brazil? BackChannel handles the FX. Your contractors get USD same day.

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