Affiliate programs are one of the most popular ways for people to earn money online. But because most affiliate programs are operated by US companies, it can be difficult for non-Americans to receive payments. Some affiliate programs send checks (paper), but exchanging them outside the United States may incur some high fees. And some affiliate programs require you to earn $ 100 or more before they send you a check.
What can you do if you do not have a bank account in the United States? Well, it depends on the payment options offered by your affiliate program. Unfortunately, some restrict their affiliate programs to residents of the United States (or the United Kingdom) with a bank account in that country that accepts direct transfers. But the good news is that most affiliate programs offer payments through online money transfer services.
Here are some of the best ways for US residents UU They can use to receive payments from the affiliate program.
Payoneer is one of the most popular money transfer services available to people around the world. If a company based in the USA UU Or the EU pays you, they can send "direct deposits" to your Payoneer account.
In the USA UU., This system is called "ACH", while in the EU it is called a "SEPA transfer". Either way, you will consider the company as if you were sending money to a bank account that you own because your Payoneer account will include the entire route and other numbers necessary to make a direct bank transfer.  Payoneer currently accepts payments in six different currencies:
- US Dollars
- British Pounds
- Japanese Yen
- Australian Dollars
- Canadian Dollar
- Chinese Yuan
Note: Due to regulations in China, payments made in regular RMB (CNY) will be credited and kept in CNH (foreign yuan) in your Payoneer account. Then you can convert it to regular yuan (CNH) if you want to spend the money in mainland China. CNY converts to CNH at a ratio of 1: 1.
Opening your Payoneer account
You can set up a Payoneer account and connect it to your local bank account in 150 different countries (and currencies). After you are paid, you can send money to your local bank account (change to the local currency, when applicable) for a fee or use a Payoneer card to withdraw cash from an ATM (ATM) almost anywhere in the world. Payoneer cards can also be used in stores or online to make purchases directly.
To open an account, you must visit the Payoneer website and complete an application.
Start by completing your personal information. 
Payoneer will send you a letter (in paper) by mail with an activation code. Once you use the code to activate your Payoneer account, you can withdraw money from your Payoneer account.
Almost anyone in any country can open a Payoneer account.
Receive affiliate payments.
Log in to your Payoneer account. Count, and then go to "Receive." Choose the option of Payment Service of EE. UU OR EU.
Once you have done this, you must open the payment settings of your affiliate accounts and then choose "Direct Deposit" and enter the information of payment of Payoneer.
Popular affiliate programs that can be used along with direct deposits in a Payoneer account include the Amazon partner program, Clickbank, Walmart, Amazon, Target and Shareasale.
Remember, if you are based outside the US UU., Then you will not be about to receive direct deposits from Amazon.com. You can only pay by check or voucher.
] ] Another way for non-Americans to receive money. Transferwise allows you to receive payments or withhold money in 40 different currencies:
- United States Dollars
- British Pounds
- Japanese Yen
- Australian Dollars
- Canadian Dollars
- Chinese Yuan (Renminbi)
- United Arab Emirates Dirham
- Argentine Peso
- Taka Bangladeshi
- Bulgarian Lev
- Chilean Peso
- Croatian Kuna  Korean Pips
- Pipes (1965900) SeedsDólardeKong
- Hungarian Forint
- Indonesian Rupiah
- Israeli Shekel
- Indian Rupee
- Kenyan Shill
- Mexican Peso
- Brush  Pinch. ] Nigerian Naira
- Norwegian Krone
- Peruvian Sol
- Philippine Peso
- Polish Zloty
- Pakistani Rupee
- Romanian Leu
- ] Romanian Dollar
- ] 19659009] Rupee of Sri Lanka
- Swedish Krona  Swiss Franc
- Thai Bat
- Turkish Lira
- Ukrainian Hryvnia
- Vietnamese Dong
Transferwise also allows you to set up a bank account "without borders " that you can set up for free that contains money in US dollars, Australian dollars, euros or sterling. Transferwise also issues MasterCard cards that can be used to withdraw money from ATMs around the world or to make purchases directly.
Similar to Payoneer, Transferwise also allows you to receive direct deposit payments (international SWIFT system) as if you had a) bank account. At the moment, however, you can only receive direct deposits (through SWIFT) in euros. According to their website, they are working to implement the ability to receive direct deposits in pounds sterling, US dollars and Australian dollars, this is not currently available.
However, you can receive sterling payments made through the Faster Payment Scheme, including BACS and CHAPS payments. You simply can not receive a direct deposit through SWIFT. Indeed, the company (or person) that sends money to your Transferwise sterling account must send the money from a bank account in the United Kingdom.
In addition, a Transferwise account in US dollars can receive direct deposits provided it is from a company with a US bank account (using the ACH system). You can also receive money in your account in US dollars through SWIFT as long as it is from a list of selected countries (mainly the EU plus Singapore, the Philippines, Japan, China and the UAE).
Australia Transferwise accounts can receive local accounts from Australia. Bank transfers (using BSB) but not SWIFT payments. However, you can not receive money from an Australian retirement fund or from a self-managed retirement fund in your Transferwise account.
In summary, you must activate an account in US dollars for payments from an affiliate program based in the USA. UU , a sterling account for an affiliate program based in the United Kingdom and an Australian dollar account for payments from an affiliate program based in Australia. For everything else, you'll use the account in euros. But the "borderless" account of Transferwise gives you access to all five currency types simultaneously and the ability to receive money in them. You only need to provide the corresponding routing / banking information for each type of currency for each affiliate program.
To transfer money from your Transferwise account to a local bank account, you can send it by bank transfer. Transferwise charges specific fees for currency to do this, which you can see in the link.
Affiliate programs that can be used in conjunction with direct deposits in a Transferwise account include the associated program from Amazon, Clickbank, Walmart, Target and Shareasale. 19659002] Register at TransferWise For Free
Other Ways to Receive Payments for Non-US Residents
Amazon's affiliate programs in Europe offer payment on gift certificates. They also have the option of receiving a check in pounds sterling or euros. Amazon's Brazilian affiliate program offers direct deposits to Brazilian bank accounts (in local currency) as well as Amazon programs in Mexico, Australia, Japan, India and China. If you live in one of these countries / areas, it is better to set up a non-US affiliate account on Amazon.
Another option is to open a bank account locally denominated in US dollars. If you receive checks from Amazon or another program affiliated in US dollars, it will be easier and faster to deposit the checks if the money goes to a dollar-denominated account.
Skrill is another online money transfer service. It allows you to receive money from international bank transfers that you can then send to your local bank account. But Skrill does not allow you to receive direct deposits sent through the ACH or SEPA systems, only SWIFT international payments.
You can also open a personal bank account in the USA. UU Even if you are not a resident, although the process is not easy or easy. Generally, you will need a Social Security Number (SSN), but Bank of America and TD Bank allow you to open a bank account if you are not a resident. However, you must open the account in person at a bank branch in a state that allows nonresidents to open bank accounts (laws vary from state to state). You will also need an address in the United States where you can receive mail.
In some cases, you can get an ITIN or a tax number issued by the IRS for non-residents, not citizens. With an ITIN number, you may be able to open a bank account in the United States quite easily, although, again, you probably have to do it in person. For more information on how to acquire an ITIN, click here.
The only other option to open a bank account in the USA. UU (When you are not a resident) it is by incorporating a business in the United States and then opening a corporate bank. account. When you incorporate a business in the US UU., You will get an EIN, which works like an SSN (only for companies), since it is a tax number. For more information on how to incorporate a business in the United States, see here.
Another option is to see if your local bank also operates in the United States. Banks like CitiBank, ING, Barclays and HSBC operate both in the United States and in other countries. If they do, you can ask your local bank branch how you can help them open a bank account at one of their US branches. UU Without having to be physically present in the United States.
It is also worth noting that some affiliate programs offer payments through PayPal Currently, PayPal offers the ability to receive and send (received) money to a local bank account in more than 200 countries and regions.
For non-US residents, their ability to receive payments from an affiliate program is restricted by the payment methods offered. If the affiliate program has the option of sending you money through PayPal or another service like Skrill that operates in your country, it is ready. But for affiliate programs that only pay through direct deposits (sometimes called "direct debits") and by check, your options are much more limited.
Transferwise and Payoneer are the only two online money transfer services that function as "virtual" US bank accounts complete with all routing numbers and other information needed to handle a direct national deposit (ACH in the United States) . This allows non-US residents to receive money in what appears to be a US bank account for Amazon and other US affiliate programs.
Apart from its rate and price structure, the main difference between Payoneer and Transferwise is that Transferwise offers a real bank while Payoneer simply allows you to receive payments that you can then use to charge a card (to be used for purchases or withdrawals in ATMs) or to send a payment by bank transfer to your local bank (in exchange for a fee). At this time, Payoneer and Transferwise are the only way to receive direct deposit payments in a US "bank account" if you do not have one.
Other options for non-US residents include the collection of checks denominated in US dollars in a local bank account denominated in US dollars, opening a US bank account in person (in certain locations) using an ITIN and opening a US corporate bank account using an EIN number after entering a business in the United States (online or in person). Otherwise, you will have to accept payments on gift certificates or pay an international transfer, as applicable.
Finally, if you know someone you can trust who has a US social security number, you can ask them to open a bank account for you. Law firms also offer this service, but keep in mind that you may have to pay $ 2,000 or more to start. With a law firm, you will simply grant the power of attorney to the law firm, so your access to the bank account will be protected. If a friend receives money in his US bank account UU., You will not have control over the money and the additional income in your friend's name can have an adverse effect on your taxes.