--- title: "EOR alternative for US businesses | GrabrFi" description: "Help your international contractors open a US bank account. Pay them via free ACH instead of EORs and wires. US businesses with up to 500 employees save up to 80% on global payroll costs. If your contractors also have a personal GrabrFi account, payments are free and instant." url: "https://www.grabrfi.com/en/eor-alternative" --- 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. Book a 30-min demo[See the math](#savings) 250,000+ people trust GrabrFi worldwide Global Contractor Payroll · May 202678% vs EOR AR A. Rodríguez · Buenos AiresACH to GrabrFi · settled +$5,200.00 MK M. Kowalski · WarsawACH to GrabrFi · settled +$6,800.00 OO 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. Plus, if your contractors also have a personal GrabrFi account, payments are free and instant. 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. Get your custom savings estimate 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 Trusted Worldwide ## 1,000+ companies pay through GrabrFi Workers at leading companies receive their salaries directly into their GrabrFi accounts. 205+ ### Direct-Pay Employers Companies wiring payroll straight to GrabrFi 785+ ### Via Payroll Platforms Employers paying through Deel, Gusto, Remote & others 15+ ### Industries Tech, marketplaces, finance, media, crypto, design, education and more ### People at these companies get paid through GrabrFi Google Amazon Shopify Scale AI 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. Or free and instant if they have a personal GrabrFi account. ### 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 Services are provided by Bridge Ventures LLC or one of its regulated affiliates. ### 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. Book a 30-min demo [business@grabrfi.com](mailto:business@grabrfi.com) ## Frequently asked questions ##### Are we replacing our EOR entirely? Not necessarily. EORs add real value for full employees in jurisdictions where you don't have an entity. The waste is using an EOR for genuine independent contractors who could be paid directly. GrabrFi removes that specific layer. ##### What countries are supported today? GrabrFi currently supports contractors with a government-issued ID from 25+ countries including Argentina, Brazil, Canada, Chile, Colombia, France, Germany, India, Italy, Mexico, Nigeria, Peru, Portugal, Singapore, Spain, the UK, the US, Uruguay, and Vietnam. ##### Is the money safe? GrabrFi is a product of Grabr, Inc. Grabr, Inc. is a financial technology company, not a bank. Services are provided by Bridge Ventures LLC or one of its regulated affiliates (together, "Bridge"). ##### Will my contractors actually use this? Almost certainly, especially in markets with high inflation, weak local currencies, or capital controls. Holding USD is a meaningful upgrade for most international contractors. GrabrFi already supports 250,000+ users worldwide. ##### What's the rollout look like for our team? No integration. No contract. Just a link. Share it with your contractors. They open their US accounts. You start paying by free ACH.