Get paid through Gusto as a non-US contractor

If a client pays you through Gusto, you complete the contractor invitation and add an eligible receiving account; the client then submits your payment. A US bank account receives USD, but it must meet Gusto's country and account-name rules. This guide covers non-US independent contractors, whose setup differs from US employee payroll.

Have your Gusto invitation, home-country tax ID, residential address and bank details ready. The account must be in the United States or the country on your Gusto profile, and the account holder's name must match your profile exactly. Australia-based contractors cannot use a US account.

Gusto lists Argentina, Brazil, Mexico, Colombia, Chile and Uruguay among its supported contractor countries. Local-bank currencies vary by country; check the option offered to you. A US bank's location does not change where you live. These requirements come from Gusto's contractor instructions and country and payment table.

Complete your Gusto payment setup

1. 1

   Open the invitation

   Follow the invitation from your client and select Get started. Use the non-US contractor flow appropriate to your profile.

2. 2

   Enter your personal information

   Provide your name, home-country tax ID and residential address. Keep your actual residence even when the receiving bank is in the US.

3. 3

   Add the receiving account

   Enter the requested payment details for an eligible account. Check the account holder's name, bank country and payment currency before continuing.

4. 4

   Complete the requested form

   Review, sign and upload the applicable W-8 form through Gusto, then submit your onboarding details. Follow Gusto's instructions for the form your profile requires.

5. 5

   Confirm the payment with your client

   Tell your client when setup is complete and confirm the payday. Gusto's client initiates the payment; there is no contractor balance to withdraw in this flow.

Already onboarded? Go to My profile → Information → Pay → Payment → Edit to update your payment details and save. Tell your client if they already submitted a payment, since changing saved details does not establish where that payment will go. Gusto documents both setup and updates.

Checked on October 27, 2026, Gusto charges the company $5 per payment to a US bank account. Local-bank payments have a different fee schedule. The company sees its quote before sending, and your receiving bank may charge separately. This is a payment fee, separate from the company's Gusto subscription. See Gusto's international-contractor fees.

Gusto estimates arrival 1–3 business days after payday for US banks and 3–7 business days for international banks. These are estimates from its recipient guide, not guarantees. Completing onboarding does not start the transfer: your client must submit payment first.

Read the USD account guide and who can pay into an account. Peanut account access requires identity verification and residence eligibility; payer permission is separate from Gusto accepting the receiving details.

The Gusto-to-Peanut payment route is not confirmed. Before arranging a payment, ask Peanut support about your exact account, Gusto's ownership requirements and the intended payer. Having USD details alone does not confirm compatibility. The income guide explains Peanut's general receiving options.

First ask your client whether payment was submitted and confirm its payday. Check your bank statement and saved details. For a sent payment, ask for the payment reference so the receiving bank can investigate.

A rejected payment needs corrected details and a new payment submitted by the client. Ask the client to resolve the original payment's status before sending again. Share the amount, currency, date, status and available reference privately with the relevant support team. For an account-credit problem, see deposit troubleshooting.

FAQ.

Is this the same as receiving an employee salary?

No. This guide covers non-US independent contractors. US employees use a separate direct-deposit setup, and US citizens abroad must be added as US contractors.

Can I receive USD while living in Latin America?

Gusto permits eligible non-US contractors to use a US bank account under its country and ownership rules. Your client should confirm that the option is available for your profile.

Do I need to request a withdrawal each payday?

No. Your client submits the contractor payment to the receiving method on file. Ask the client about submission if no payment appears.