Gusto international contractors can be paid through local bank details, an international wire, or eligible US account details, depending on the employer's setup. Your Elevate Pay account gives you the account number and ACH routing number needed to receive Gusto payments in USD.
How Does Gusto Pay International Contractors?
Gusto contractor payments are driven by the employer's side of the account. The employer adds the contractor, selects the payment route, and submits the payment. The contractor may enter bank details in their own Gusto profile or provide the details directly to the employer or payroll team.
Gusto International Contractor Payment Options
Local bank account: The payment arrives in your home currency after conversion. International contractor payments have a $25 minimum (some countries have higher minimums) and typically take 5 to 10 business days.
International wire to a non-US bank: Payments under $1,000 carry a minimum $15 fee, and larger payments are charged 1% to 1.5%. Gusto covers intermediary-bank fees on this route.
US bank account: The contractor receives USD for a flat $5 payment fee, without an automatic local-currency conversion.
The exact options available depend on the employer's Gusto product and the contractor's country.
Gusto International Contractor Payment Fees
The visible Gusto fee is only one part of the cost. A local payout can include an exchange-rate margin, while an international wire carries Gusto's wire fee. A payment to US account details uses a flat fee and lets the contractor receive the balance in dollars.
Before the employer submits the payment, confirm the currency, destination account, fee, and expected arrival time.
How Long Do Gusto Contractor Payments Take?
Local international-contractor payments usually take 5 to 10 business days. Timing can also depend on the employer's funding method, approval date, weekends, holidays, and the receiving bank. Ask the employer or payroll team to confirm the estimated delivery date shown in Gusto.
What International Contractors Need to Get Paid Through Gusto
For a payment to your Elevate Pay USD account, copy the account number, ACH routing number, and account holder name from the app.
Your employer should use the same contractor name in Gusto as the account holder name shown in Elevate Pay.
How to Add Your Elevate Pay Account to Gusto
If you can manage your own Gusto profile:
Sign in and open the section where you manage payment details.
Add a new US bank account.
Enter the account number, ACH routing number, and account holder name shown in Elevate Pay.
Review the details and save the account as your payment method.
If your employer manages the payment setup:
Send the employer or payroll team the account number, ACH routing number, and account holder name shown in Elevate Pay.
Ask them to use these details to send your payment in USD.
Confirm the expected fee and arrival date before the payment is submitted.
Receiving Gusto Payments in USD Versus Local Currency
A local payout reaches you after conversion. A USD payment stays in dollars, giving you control over when to exchange it. We do not charge a fee to receive ACH payments, and you can see the final rate and local amount before confirming a transfer.
Common Gusto Payment Issues
The employer chose a local payout rather than the US bank details in Elevate Pay.
The contractor name in Gusto differs from the account holder name.
The ACH routing number or account number contains an error.
Employer funding or payroll approval is still pending.
The selected route has a minimum amount or a longer delivery window.
Frequently Asked Questions
Does Gusto pay international contractors?
Yes. Gusto supports international-contractor payments in the countries available through the employer's account.
How do non-US contractors get paid through Gusto?
The contractor adds bank details in their Gusto profile or shares them with the employer. The employer then submits the payment through the selected route.
Can Gusto pay contractors in USD?
Yes. International contractors can be paid in USD when the employer uses an available US or international USD payment route.
What bank details does Gusto need?
For a US bank payment, provide the account holder name, ACH routing number, and account number shown in Elevate Pay.
Who sets up the payment method?
It depends on the employer's configuration. Some contractors can add their own account, while others must provide the details to the employer or payroll team.
How long does a Gusto international contractor payment take?
Local international-contractor payments usually take 5 to 10 business days. Other routes can have different delivery estimates, which the employer should confirm in Gusto.
Related Elevate Pay Guides
Receive Gusto Contractor Payments in USD
Open your Elevate Pay USD account and share the account number, ACH routing number, and account holder name shown in the app with your employer.
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