How to receive USD as a PJ

Services provided to clients outside Brazil count as service exports and require invoicing. This keeps your operation compliant and proves the origin of the funds. The exact classification depends on your city and regime, align it with your accountant. For the tax side, see business tax on exported services.

Your US account details accept ACH, RTP (instant) and Wire, and receiving is free. Instead of converting everything the moment money arrives, you can hold the balance in dollars and convert only when the rate is right: PJs convert USD to BRL from 0.3%, always with 0% IOF and Pix settlement in seconds.

The gap between an efficient account and an expensive one shows up every month. Traditional banks over SWIFT charge 4% to 8% across FX, fees and IOF, and take days. A dollar account on stablecoin rails delivers the same operation for under 1%, almost instantly. Compare options in the best account to receive USD guide, and see how to receive a USD salary in Brazil with lower fees.

Once dollars arrive in your Ruvo PJ account, you have several options: convert to reais by Pix at the current rate, hold the balance for future expenses or a better rate, send abroad by ACH or Wire to pay foreign suppliers, or move value to a crypto wallet. The right choice depends on your cash-flow needs, upcoming reais expenses and views on the exchange rate. Most businesses convert a predictable portion each month to cover local costs and hold the remainder in dollars as a buffer.

Ruvo generates an exchange contract (contrato de câmbio) on each conversion, which satisfies the Banco Central reporting requirement for that transaction. Keep records of each international receipt — the invoice, the amount in dollars, the date and the reais equivalent — for both Receita Federal and Banco Central purposes. If your volume of international receipts is high (above R$300,000/year approximately), ask your contador whether any additional Banco Central declarations apply to your situation.