# Business banking for dev shops that retainer clients abroad > Business banking for dev shops billing retainers abroad and paying distributed teams. Payroll in supported markets and cards for the tools you run on. Canonical: https://fasset.com/business/solutions/dev-shops/ Retainers land, payroll goes out, and the tool stack sits on cards you control. One account carries the whole month, without a wire for every corner of the business. - Open an account - See the demo Client funds are held separately from Fasset’s own. Atlas Digital, one account March Retainers in5 clients, each paid on the invoice link +$61,400.00 Payroll run out24 people, one run, several markets −$38,420.00 CardsDesign tools, cloud hosting and four more −$2,160.00 Left in the account $20,820.00 Illustrative. Figures and names are examples, not real accounts or customers. ## Where a dev shop's money actually leaks A wire from a client abroad takes 1 to 3 business days to clear and loses money to flat fees and spread, on top of whatever your client's bank charged to send it. Five retainer wires a month do not show up on any invoice. They show up in the gap between what the client paid and what arrived. Run your own numbers in the transfer fee calculator. - **Distributed payroll:** Payroll covers the markets we serve from one account, included on every plan, so paying a contractor in one market costs the same setup as paying one in another. - **Developer salaries:** Before you hire or quote a retainer, check what a role actually costs across your markets in the developer salary tool. [A commit graph branching into two lines of work] Spend ## The tool stack, on cards you control Figma, AWS, Linear, Vercel, Anthropic and Notion all bill in dollars. Virtual cards pay them from the USD balance, one per tool, with a limit you change without reissuing. Tool spend this month $2,160.00 6 cards, one per tool, paid from the USD balance 43% of the $5,000.00 monthly limit you set •••• •••• •••• 4417 Atlas Digital Ltd09/29 Business is $29 a month. On top of that, a dev shop pays per transfer when a client payment comes in or a contractor gets paid, at the prices on the pricing page. ## Common questions #### How does a dev shop invoice retainer clients without chasing a wire every month? A retainer invoice sent through Fasset carries a hosted payment link, so a client in San Francisco or Amsterdam can pay by card or bank transfer as soon as the invoice goes out. It settles on USDT, a stablecoin designed to track the US dollar, in about 20 seconds, instead of the 1 to 3 business days a wire takes. #### Can I pay a distributed team across different countries from the same account? Yes. Payroll covers the markets we serve from one account, so a studio hiring across several growth markets runs one payout instead of a different bank transfer for every country on the team. #### Do I need a company card for tools like AWS and Figma? Virtual cards are issued per teammate or per tool, so a studio can put Figma, AWS, Linear, Vercel, Anthropic and Notion on cards it controls and cancels individually, instead of one shared card everyone shares a login for. #### Is Fasset a bank? No. Fasset Business is a technology platform, not a bank. Banking, payment and card services are provided by licensed third-party institutions in each market, and client funds are held at those institutions, separately from Fasset's own money. ## Open your account The application runs entirely online. Or walk through the product first, with sample data and no signup. - Open an account - See the demo Client funds are held separately from Fasset’s own.