For: Export Businesses · Software Companies · Freelancers
Collect from Global Buyers
As Simple as a Domestic Transfer
Escape the high fees and long waits of traditional wire transfers. Open overseas local accounts, issue local invoices, and let your international buyers pay you with zero transfer fees.
Hidden Correspondent Bank Fees
Traditional SWIFT payments pass through multiple correspondent banks, each deducting $15–$50 per transaction, leaving you with less than the invoiced amount.
Slow Fund Arrival
International wire transfers typically take 3–5 business days, and compliance reviews can extend this to weeks — severely impacting cash flow.
No Control Over Exchange Rates
You are forced to accept the retail FX rate offered by your receiving bank, with no ability to lock in favorable rates. Your profits shrink with every rate movement.
Local Collection
Your Dedicated Overseas Local Account
MothPay opens free local settlement accounts in the US, Europe, UK, and more. You can print these account details directly on your commercial invoices. Your buyers simply make a standard local transfer (e.g., US ACH, European SEPA).
- Buyers pay zero international wire fees, significantly improving conversion rates
- Bypasses SWIFT congestion — EU/UK/US payments often arrive same-day or instantly
- Full-value receipt with no correspondent bank deductions — invoice amount equals credited amount
INVOICE
#INV-202610-001
TechCorp Ltd.
Payment Instructions (Local US Transfer)
Bank Name:
Community Federal Savings Bank
Beneficiary:
TechCorp Ltd.
Account Number:
8932 4410 2231
Routing (ACH):
1211 4227
Total Amount Due:
$12,450.00
Risk Management
Lock Forward Exchange Rates to Protect Margins
Worried about adverse rate movements eroding margins on long-term contracts? MothPay offers easy-to-use Forward Contract tools, allowing you to lock in settlement rates up to 12 months in advance.
- Fast online setup with no large margin deposits required, unlike traditional banks
- System automatically settles at the locked rate upon maturity (e.g., USD to local currency)
FX_Forward_Contract
Sell
$50,000.00
Receive (Locked)
362,000.00 CNY
Locked Rate
1 USD = 7.2400 CNY
Settlement Date
2026-06-30
Status
ACTIVE
Measurable Business Results
$0
Local Receipt Fee
T+0
Fastest Arrival Time
3.5%
Average Profit Margin Gain