Getting paid from the US just got cheaper: Meet ACH

Every year, freelancers in emerging markets lose millions of dollars to a banking system that was never built for them. Once your client hits "send," somewhere between their bank and yours a chunk of your hard-earned money quietly disappears into fees.

That ends now. With your Fasset USD account, you can receive money from any US bank via ACH, completely free. Your own account, your own name, your own US routing and account number. Here's everything you need to know.

What is ACH?

ACH stands for Automated Clearing House, and the idea is simple: it's the network US banks use to move money between each other. When someone in the US gets their salary, pays their rent, or receives a payout from Upwork, chances are it travelled through ACH.

It's the everyday payment rail of America. Fast, reliable, and, best of all, usually free.

Until now, you needed a US bank account to use it. With Fasset, you get exactly that: a personal named USD account with a dedicated US routing and account number. To your clients and platforms, it looks and works just like a regular American bank account, because functionally, it is one.

ACH vs SWIFT: Why the difference matters

If you've ever received an international wire, you've used SWIFT, and you've probably paid for the privilege. SWIFT transfers hop through intermediary banks, and each one takes a cut, often $15 to $50 or more per transfer. They can take days to arrive, and the final amount that lands in your account is anyone's guess.

ACH plays a different game entirely:

• Fees: Incoming ACH to your Fasset USD account is free. SWIFT wires routinely cost $15–$50+, before your local bank adds its own charges.
• Middlemen: ACH moves money directly through one network. SWIFT bounces it through intermediary banks, each taking a slice.
• Predictability: With ACH, the amount sent is the amount received. With SWIFT, you find out what survived when it arrives.
• Simplicity: Your clients just need your routing and account number. No SWIFT codes, no correspondent bank details, no confused emails back and forth.

In short: SWIFT was built for banks. ACH, through Fasset, now works for you.

Why this matters for you

Whether you're freelancing on sites like Upwork or Fiverr, getting paid through Deel, or receiving payments from US clients directly, this changes your entire money flow:

• Keep more of what you earn. Receive USD free, then convert at competitive FX rates.No surprise deductions, no disappearing dollars.
• Get paid like a local. Share your US account details with any client or platform, and funds land in your named account.
• Withdraw straight to your pocket. Convert and pay out directly to PKR via Raast, Easypaisa and mobile wallets, or to BDT via mobile financial services and bank transfer. Withdrawals of $500 or more come with zero fees.
• Do more with your dollars. Hold them, spend them, or grow them with Shariah-compliant investing at up to 4% APY. All in one app, no app-hopping required.

This is what getting paid should feel like; fast, fair, and finally built for you. Open your Fasset USD account today and try it out for yourself.

Have any questions? Check out our FAQ’s here