For cross-border e-commerce sellers
Your money sold abroad. Now get it home.
SettleDesk is a plain-spoken desk for the part nobody explains: how each channel pays out, how to repatriate it in Indonesia, Brazil and Nigeria, and what the fees really are before they vanish into a rounding error.
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Start where you sell
Every channel pays out differently
The default payout method is decided by your sales channel, not by you. Pick yours to see who holds the money, how long it sits, and the cleanest way to land it in your local bank.
Amazon FBA
Disbursement to a supported bank or a payout provider. The currency landing is the catch.
Shopify store
Shopify Payments isn't available everywhere. Here's what actually pays out instead.
Print-on-demand
Printful, Printify, Gelato and Redbubble each settle to a different rail. Know yours.
Dropshipping
Two money flows to manage: customers paying in, suppliers paid out. Don't mix them.
Where we go deep first
Built around three real markets
We launch in English for sellers in three places where cross-border volume is high and the rules are specific. Each market has its own repatriation quirks, its own documentation, and its own FX reality.
Indonesia
IDR landing, the role of local virtual accounts, and how Amazon and marketplace payouts reach a Bank Indonesia–regulated account.
Amazon payout in Indonesia →
Brazil
The contrato de câmbio, IOF tax on FX, and why a BRL landing through a regulated channel beats an informal one, even at a worse headline rate.
Stores & Shopify in Brazil →
Nigeria
The official vs. parallel NGN rate, domiciliary accounts, and getting both customer money in and supplier money out without a freeze.
Dropshipping in Nigeria →No surprises
The fees, side by side
A quick read on the providers sellers actually use to repatriate and convert. Headline numbers below; the full page breaks down minimums, hidden FX margins, and where each one is and isn't available.
| Tool | Receive a USD payout | FX margin to local | Best for |
|---|---|---|---|
| Payoneer | Free–low on receiving accounts | ~0.5%–2% | Marketplace payouts (Amazon, Etsy) |
| Wise | Free receiving in major currencies | from ~0.57% | Transparent mid-market conversion |
| Local bank wire | Flat fee, often $10–$30 | ~1.5%–4% | Large lump sums, paper trail |
| Exchange route (e.g. OKX) | Via stablecoin/crypto rails | ~0.1%–1% | Holding multiple currencies between conversions |
Ranges are indicative and vary by country, amount and verification tier. The exchange row refers to OKX.
Read these first
Field guides from the desk
What cross-border settlement actually costs
The five layers of fees between a sale and your bank (channel fee, payout fee, FX margin, intermediary charges, and the spread you never see), taken apart one by one.
Pillar · ~3,000 wordsWise vs Payoneer for sellers
They aren't rivals: one's the better receiver, the other the better converter. The fees, the FX margin that decides it, and why many sellers run both.
IndonesiaReceive an Amazon payout in Indonesia
Disbursement options for Indonesian sellers, how the IDR landing works, and the documentation that keeps your account out of review.
Risk & controlsWhen Payoneer or Wise freezes your account
Why holds happen, what compliance is really checking, and a step-by-step playbook to respond without making it worse.
NigeriaDropshipping payment methods in Nigeria
Two money flows to keep clean: collecting from customers and paying suppliers, plus the NGN rate gap nobody warns you about.
Brazil · ~1,500 wordsHow to receive a foreign payout in Brazil
What has to happen for money from a foreign client or platform to land as reais: the contrato de câmbio, the paperwork, and the IOF question nobody can answer with a number right now.
Holds · ~1,800 words · NewPayout reserves and holds
Why the same word means different things on Stripe and Shopify, what draws on a reserve before its end date, and why expiry is not the day the money lands.
Straight answers
Common questions
What does "settlement" mean for a cross-border seller?
It's the whole path money travels from a customer's card to your usable local-currency balance: the channel collects it, a payout provider holds and disburses it, you repatriate it home, and you convert it. Fees and delays hide at every step, which is why we map the chain instead of just naming one "best" tool.
Is SettleDesk affiliated with Amazon, Shopify, Payoneer or OKX?
No. SettleDesk is independent and isn't operated by any platform, bank or exchange. We are not a licensed financial adviser, and nothing here is investment advice.
Do you tell me which currency or asset to hold?
No. We explain how the tools work and what they cost so you can decide. We never predict prices or promise returns. If a guide mentions an exchange, it's about moving and converting money you already earned, not speculation.
How current is the fee and policy information?
Each guide carries a "checked" date and we review the core pages quarterly. Payout policies and FX rates change often, so always confirm live numbers with the provider before you move money. Where we cite a figure, we link the primary source.
Start with the chain
Stop guessing where your money went.
Read the pillar on what settlement really costs, then go deep on your channel and market. No fluff, no hype: just the chain, the fees, and the playbooks, kept current.