How can I receive payments from american companies here in Brazil without using my bank account?

[pedrosilvam]

From 2017 to 2019 I used Payoneer to receive payments in a virtual USD bank account and then I used to bring the money to my bank here in Brazil. In 2020, I started using Transferwise, and this year the amount I'm receiving every month is considerably higher than previous years. I know TW and Payoneer don't report anything to the Brazil IRS but my bank does if the deposits are over 2,000 BRL per month, and they usually are. So, I can't use my bank anymore. I currently have $500 USD in my TW account waiting for a better solution, and there's more to come. It would be perfect a debit card issued in another country. Payoneer offers that, and I actually have a Payonner card but their fees aren't good (1% over every deposit), and besides, I can't send my money from TW to Payoneer because that would be considered self-funding. TW, Revolut, Paysera, Monesa don't send cards to Brazil.

 

[otcable]

Have you tried with dukascopy?

Crypto? The amount seems to be manageable and I know Brazil is active on it, Mercadolibre style probably will leave you some margin.

 

[pedrosilvam]

otcable said:
Have you tried with dukascopy?

Crypto? The amount seems to be manageable and I know Brazil is active on it, Mercadolibre style probably will leave you some margin.
Click to expand...

Thanks, I didn't know about Dukascopy. I tried them today but I couldn't verify my ID since my passport is expired.

 

[vdash]

Paxum issue debit cards to Brazil that you can withdraw money.