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EOR alternative for US businesses

Stop paying EOR fees for contractors who don't need one.

Help your international contractors open a real US bank account in minutes. Pay them by free ACH instead of $599+/month EOR seats and $25–$50 wires. Save up to 80% on global payroll — and attract better talent.
See the math
GrabrFi customer
GrabrFi customer
GrabrFi customer
250,000+ people trust
GrabrFi worldwide
Global Contractor Payroll · May 202678% vs EOR
A. Rodríguez · Buenos AiresACH to GrabrFi · settled
+$5,200.00
M. Kowalski · WarsawACH to GrabrFi · settled
+$6,800.00
O. Okafor · LagosACH to GrabrFi · settled
+$4,400.00
Monthly EOR feesReplaced with free ACH
−$1,797.00
ACH fees this month$0.00
Annual savings$21,564
$0Per-contractor EOR seat — replaced with free ACH
$25–$50Saved per international wire transfer
3–7%FX loss your contractors no longer pay
Who it's for

Built for US businesses hiring global talent — at every stage.

Whether you're paying one international contractor or coordinating a 100-person global team, GrabrFi removes the most expensive layer of your global payroll stack: the EOR fee.
Small business
~$7K
saved per contractor, per year

For founders, agencies, and early-stage teams paying their first international contractors. Replace expensive wires and unnecessary EOR seats with free ACH.

Team size1–50 employees
Mid-market · Most common
$100K–$250K
saved per year, across the team

Cut international contractor costs by up to 80%, replacing $599+/month-per-seat EOR fees and $25–$50 wires with free ACH to GrabrFi US accounts.

Team size50–200 employees
Enterprise
$300K–$700K
saved per year on EOR fees alone

Eliminate per-seat EOR markup at scale. Pay global engineering, design, and ops teams via direct ACH — and retain senior talent with USD payouts.

Team size200–500 employees
How it changes your payroll stack

Everything you pay an EOR for — without the EOR markup.

For genuine independent contractors, you're often paying an EOR for one job: getting USD into the worker's pocket. GrabrFi solves that directly.

Replace EOR seats with free ACH.

Your contractors open a real US bank account with routing and account numbers. You pay them like any US contractor — ACH, free, 1–2 day settlement.
  • Eliminate $500–$700/month per EOR seat
  • Pay any number of contractors at no per-seat cost
  • Works alongside your existing payroll tools
Monthly EOR seat (×30)Per-contractor fees
$17,970/mo
GF
ACH to GrabrFi (×30)Direct to contractor
$0.00/mo
Annual savings30 contractors
$215,640

Free ACH. No more $25–$50 wires.

International wires are slow, expensive, and unpredictable. When your contractor has a US bank account, you pay them via ACH — no correspondent fees, no SWIFT delays, no intermediaries.
  • Free incoming ACH from any US company
  • 1–2 business day settlement instead of 3–5
  • Zero correspondent or intermediary bank fees
WIRE
International wire3–5 business days · $25–$50
$42.00
ACH
ACH to GrabrFi1–2 business days · free
$0.00
FX
FX loss to contractorEliminated — they hold USD
−3 to −7%

Recruit and retain global talent.

Workers in Argentina, Brazil, Mexico, Colombia, Nigeria, and 20+ more countries actively seek USD accounts as an inflation hedge. A path to a real US bank account is a recruiting edge that costs you nothing.
  • Workers hold USD — protected from local inflation
  • Eliminate the 3–7% FX loss they normally absorb
  • Stand out from competitors paying in local currency
AR
Senior engineer · ArgentinaInflation hedge
USD held
MX
Designer · MexicoCurrency volatility
USD held
NG
PM · NigeriaCapital controls
USD held

Faster onboarding than any EOR.

EOR onboarding takes 1–3 weeks — local entity setup, contracts, compliance review. With GrabrFi, a contractor opens a US account in minutes, and you can pay them today.
  • Contractors onboard with a government-issued ID
  • Available across 25+ countries on four continents
  • Time-to-first-payment measured in hours, not weeks
EOR
Traditional EOR onboardingContracts, entity, review
1–3 weeks
GF
GrabrFi onboardingGovernment ID + 5 minutes
Same day
Supported countriesLATAM, Africa, Europe
25+
The math

EOR vs GrabrFi: what 30 international contractors actually cost.

Illustrative numbers based on Deel's published EOR pricing (~$599/seat/month) and typical wire fees. Your savings depend on contractor count and current setup.

Using an EOR (e.g. Deel)

$251,640/yr

For 30 international contractors

  • $599/month × 30 seats = $215,640/yr in EOR fees
  • $36,000+/yr in wire fees ($25–$50 × biweekly × 30)
  • 1–3 weeks onboarding per new contractor
  • 3–7% FX loss absorbed by your contractors
  • Locked in to one platform's pricing & rails

Using GrabrFi for Business

~$0/yr

For 30 international contractors

  • Free ACH transfers from your US bank
  • $0 in per-seat fees — no EOR markup for true contractors
  • Same-day onboarding with a government ID
  • Contractors keep 3–7% more by holding USD
  • Decoupled banking — keep your negotiating leverage

Your annual savings, line by line.

The math on a typical 50-contractor mid-market team. Most of our pipeline lives somewhere between these numbers and the "small" segment above.

EOR fees ($599 × 50 × 12)$359,400
International wires ($40 × 26 × 50)$52,000
Compliance / admin overhead$24,000
Annual cost today$435,400
Cost with GrabrFi (free ACH)$0–$8,000
You save up toPer year, on a 50-contractor team
$427,400
Confianza mundial

Más de 1,000 empresas pagan a través de GrabrFi

Trabajadores de empresas líderes reciben sus sueldos directamente en sus cuentas GrabrFi.
205+

Empleadores directos

Empresas que envían nómina directo a GrabrFi

785+

Vía plataformas de nómina

Empleadores que pagan a través de Deel, Gusto, Remote y otros

15+

Industrias

Tecnología, marketplaces, finanzas, medios, crypto, diseño, educación y más

Personas de estas empresas cobran a través de GrabrFi

Avatar G
Google
Avatar A
Amazon
Avatar S
Shopify
Avatar S
Scale AI
Avatar S
Spotify
How it works

From kickoff to first payment in under a week.

A drop-in change to your contractor payment process — no rip-and-replace of your payroll stack.

Identify true contractors

Map which workers on your EOR don't actually need one. Most independent contractor relationships qualify.

Invite to GrabrFi

Send contractors a co-branded onboarding link. The account opens in minutes with a government ID.

Switch to ACH

Pay them like any US contractor — free ACH from your existing payroll or bank. 1–2 day settlement.

Cancel EOR seats

Decommission the EOR seats you no longer need. Watch the monthly burn drop on your next finance review.

Why GrabrFi

Built for safety. Trusted by 250,000+ users worldwide.

A real US fintech — not an offshore wallet or a workaround. The same infrastructure that already pays hundreds of thousands of contractors and remote workers globally.

US-based company

Operating under US law. Your contractors' money stays in US jurisdiction — not offshore, not in a grey zone.

Protected by US law

Banking services are provided by Regent Bank. Your money is safe.

10+ years of trust

Grabr Inc. has operated since 2014, backed by top Silicon Valley investors. GrabrFi is its US banking product.

Real human support

Multilingual support for your contractors in English, Spanish, and Portuguese, 24/7.

Ready to cut your global payroll bill?

No pressure, no long sales process. Hop on a quick call, drop us a note over email, or send your contractors the referral link below — they can sign up and be ready to receive payments the same day.

Frequently asked questions