Low Fee Alternative to PayPal for Freelancers in Vietnam: Stop Losing Money on Every Payment
Dec 14, 2025
Vietnam is a global hub for remote talent, with skilled professionals earning U.S. Dollars (USD) from international clients every day. If you’re a Vietnamese freelancer, programmer, designer, or VA, you know the frustration: getting paid should be simple, but it’s often expensive.
For years, platforms like PayPal have been the default way to receive money. But when you look closely at the fees—the transaction charges, the withdrawal costs, and the hidden currency conversion markups—your hard-earned money quietly disappears. Receiving funds via PayPal can cost you anywhere from 5% to 8% of your total income after all fees are calculated.
It’s time for a change. You need a fast, transparent, and low-fee solution built for the modern digital economy.
Hurupay is the low-fee alternative to PayPal for freelancers in Vietnam, offering same-day USD settlement, protection from VND volatility, and just a 1% flat fee on deposits. This guide shows you how to switch and keep more of what you earn.
The True Cost of PayPal in Vietnam
While PayPal is globally accepted, the costs for a Vietnamese freelancer are often prohibitively high:
PayPal Fee Component | The Hidden Cost |
International Transaction Fee | 4.4% + Fixed Fee on every payment you receive. |
Currency Conversion Markup | A hidden 3.0% to 4.0% fee added to the exchange rate when you withdraw USD to VND. |
Withdrawal Fee | A flat fee charged when moving funds to your local Vietnamese bank account. |
When combined, these fees can quickly devour your monthly earnings. Hurupay was built to eliminate this financial friction, replacing high costs with simple, transparent pricing.
Hurupay vs. PayPal: A Comparison for Vietnamese Freelancers
Feature | Hurupay | PayPal |
Receiving Fee | 1% Flat Fee (for ACH/Wire deposits). | Up to 4.4% + Fixed Fee. |
Currency Conversion Markup | Zero—You choose when to convert stablecoins to VND. | 3-4% Markup—Forced conversion when withdrawing to VND. |
Settlement Time | Same-Day (instant into USDC stablecoin). | 1 to 5 Days (for withdrawal to local bank). |
Currency Control | Hold USD/EUR/GBP securely as stablecoins. | Immediate, often unfavorable conversion to VND. |
Withdrawal Options | Local Bank, Crypto/P2P. | Local Bank only (often with fees). |
3 Reasons Hurupay Is the Smarter Choice
1. Transparent and Low Fees
Hurupay operates with a maximum 1% flat fee for incoming deposits. There are no hidden fees, no account maintenance costs, and you get the benefit of a real USD account (complete with ACH details) that clients can pay into directly. This transparency ensures you keep the vast majority of your earnings.
2. Instant Payment and Cash Flow Control
In the freelance world, instant access to cash is essential. Hurupay is a stablecoin-powered platform, meaning your USD arrives instantly and is converted into USDC (a digital dollar pegged 1:1 to the USD).
Same-Day Settlement: No more waiting 3-5 business days for bank wires or platform payouts. Your funds are available the same day your client sends them.
24/7 Access: Stablecoin transactions happen on the blockchain, bypassing bank cut-off times, holidays, and weekends.
3. Protect Your Earnings from VND Volatility
Vietnam's economy is dynamic, but currency fluctuations can erode your earnings overnight. Unlike PayPal, which forces the conversion to VND at its rate, Hurupay lets you hold your funds in the secure digital dollar, USDC.
You can then choose to convert to Vietnamese Dong (VND) only when you need it, and crucially, only when the exchange rate is most favorable to you, maximizing your local purchasing power.
How to Get Paid on Hurupay in Vietnam
Switching from PayPal is easy and gives you far greater flexibility when it's time to cash out:
Get Your Virtual USD Account
Open your free Hurupay account online in minutes. You will receive real U.S. (ACH) and European (SEPA/IBAN) account details in your name, which you can use on any platform or client invoice.
Link to Your Platforms
Update your payout settings on platforms like Upwork, Fiverr, or Payoneer to use your new Hurupay USD account details. Clients can also send money directly via ACH/Wire.
Receive Funds Instantly as Stablecoin
The payment arrives, converts instantly to USDC stablecoin in your wallet, and is protected from volatility.
Withdraw the Smart Way
When you are ready to convert your funds to VND, you have the lowest-cost options available:
Local Bank Transfer: Withdraw directly to your local Vietnamese bank account.
Crypto Exchanges (P2P): Send your USDC/USDT to a local crypto exchange (like Binance or Bybit) and use the Person-to-Person (P2P) market to sell your stablecoins directly for VND. P2P often provides the most competitive exchange rate available in the market.
Beyond Payments: Tools That Beat PayPal
Hurupay is more than just a payment channel; it's a complete financial toolkit for your remote career:
Professional Invoicing: Stop using outdated invoice templates. Generate and send professional invoices in USD and EUR directly through the app.
Virtual USD Card: Need to pay for online tools, software subscriptions, or international advertising? Instantly issue a virtual USD card to spend globally without high FX fees.
Earn Interest: While holding your USDC stablecoins, you can earn competitive annual interest rates, making your earnings work for you.
The Final Verdict: Maximize Your VND
As a top Vietnamese freelancer, your work quality is global, and your payment system should be too. By choosing Hurupay as your low-fee alternative to PayPal, you gain speed, control, and significant savings on every international payment.
Stop losing 5-8% of your money to outdated fee structures. Start keeping the money you’ve earned.
Get Your Free Virtual USD Account on Hurupay Today!
Download the Hurupay App on the App Store or Google Play and join the growing community of remote workers in Vietnam banking smarter.
