Answers to the questions finance teams ask

260 questions about getting paid, paying suppliers, payment rails, stablecoins and the rules, each answered in a few sentences and linked to the guide it comes from.

Each answer is the one in its guide, which has the detail and the sources. For a wider view of a topic, start with the guides.

Accounts and getting paid

How to get a USD account as a non-US company

How to get paid by US customers without a US entity

Named vs pooled virtual IBANs: what's the difference and why it matters

SWIFT code vs IBAN vs routing number: which details do you need to get paid?

What documents you need to open a business account: KYB and source of funds explained

How to accept USDT and USDC payments from business customers

Stablecoin payments for small businesses: three ways to get paid in USDT and USDC

Using AlignPay

USD and EUR Global Accounts: how AlignPay holds and exchanges your money

How to pay a supplier bill in AlignPay: upload, check and approve

How to create, send and get paid on an invoice in AlignPay

How to pay many people at once from a CSV file in AlignPay

How to set up team roles and payment approvals in AlignPay

How to let a supplier track your payment with a status link

A payment you received is in review: what it means and what to send

How to download statements and reconcile AlignPay with your accounting

How to download a proof of account letter (account confirmation) from AlignPay

Paying suppliers and contractors

How to pay overseas suppliers from USDT or USDC

How to pay international contractors in USDC or by local bank transfer

Supplier says its bank details have changed? How to check before you pay

Paid in USDT by shippers? How freight forwarders still pay carriers on time

Payment rails, fees and delays

ACH vs wire (Fedwire) vs FedNow: which US payment rail to use

SEPA Instant vs SWIFT: speed and cost for business payments

Which countries are in SEPA? All 41, with their IBAN codes and currencies

UK payment rails for businesses: Faster Payments, CHAPS, Bacs and Confirmation of Payee

Verification of Payee: what the EU name check means for business payments

International wire fees explained: OUR, SHA and BEN

Stablecoin vs SWIFT wire: what a cross-border payment actually costs in 2026

How to track a SWIFT payment and find out why it's late

Swift's structured address deadline: what the deferral means and what to give payers

Why international business payments get rejected or returned

Cross-border payment statistics for 2026: SWIFT, ACH, UK rails and stablecoins

Cross-border payments glossary: SWIFT, SEPA, ACH and stablecoin terms explained

Stablecoins and networks

USDT vs USDC for business payments: which to hold and which to send

EURC vs USDC: when a business should hold euros on chain instead of dollars

Where a business can earn yield on USDC and USDT, and what the risks are

Bank-issued stablecoins and deposit tokens: what Qivalis and JPMD mean for businesses

Tron, Ethereum, Solana or Base: which network to use for USDT and USDC payments

Who pays the gas fee on a stablecoin payment?

What to do if you send USDT or USDC to the wrong network or address

Why USDT and USDC get frozen, and how a business avoids frozen funds

Agentic payments and x402: how AI agents pay, and what's real in 2026

Rules, tax and accounting

Stablecoin regulation by country in 2026: EU, US, UK, UAE, Hong Kong and Singapore

Is USDT MiCA compliant? What EU businesses holding USDT can do now

The GENIUS Act: what non-US businesses need to know

The Travel Rule for stablecoin payments: what businesses need to know

DAC8 and CARF: what your company will be asked when it holds stablecoins

VAT when you're paid in USDC or USDT: value, exchange rates and records

Can stablecoins count as cash? FASB's 2026 proposal and how to account for USDC

Comparisons

Align vs Wise Business: multi-currency accounts compared

Align vs Airwallex: which business account fits a company that uses stablecoins

Align vs Revolut Business: which fits a company paid in stablecoins

Align vs Mercury: business accounts for companies outside the US

Mercury alternatives for founders outside the US or in its restricted countries

Wise Business alternatives for companies paid across borders

Airwallex alternatives for companies outside its countries or paid in stablecoins

Payoneer alternatives for businesses receiving international payments

Bridge alternatives for companies outside the US

BVNK alternatives for businesses that move money with stablecoins

Airwallex vs Wise Business: fees, accounts, cards and who can open one

Wise vs Payoneer for businesses: receiving fees, withdrawals and who can open one

Bridge vs BVNK: stablecoin infrastructure from Stripe and Mastercard compared

Switching providers

Moving from Wise Business to Align: a switching checklist

Moving from Payoneer to Align: a switching checklist

Moving from Airwallex to Align, or adding it: a switching checklist

Moving from Mercury to Align: getting paid as your own company

Get started

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