01
Your contractor joins Ruul
Send an invite link. Your contractor creates an account, verifies their identity, and contracts with Ruul.
Pay contractors worldwide, without the complexity.
Onboard, pay, and manage contractors in 190 countries, with less compliance risk, fast payouts, and an invoice for every payment.
No setup cost · No monthly fees
4.9 out of 5 See reviews on G2
Trusted by thousands of teams & organisations
Featured organization logos include United Nations, McKinsey, Toyota, Sotheby's, Klarna, Chanel, KPMG, and MIT.
[I] HOW IT WORKS
Ruul stands between your company and your contractor, from the agreement to the payout.
02
You send a payment
Choose the contractor and the amount, then pay Ruul by card or bank transfer.
03
You get a business-ready invoice
Ruul invoices your company for the payment, with complete issuer details for your accounting.
04
Ruul pays your contractor
Your contractor gets paid within 1 business day after your payment clears, in 140+ currencies.
Supported in 190 countries
with business-ready invoices and payouts in 140+ currencies
Open an account[II] PLATFORM
The company behind your contractor payments.
Pay one contractor, a whole team in one run, or build payouts into your product.
Works with the wallets and bank accounts you already use.
5% per payment. No setup cost and no monthly fee per contractor.
See pricing[III] COMPLIANCE
Contractor of Record: less compliance risk, less paperwork.
Your company works with one counterparty: Ruul.
See how it works Paying contractors directly With Ruul as Contractor of Record
A contract with each contractor Ruul contracts with them
Payments to each country and currency You pay Ruul, Ruul pays them out
Invoices collected from each one A business-ready invoice for every payment
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Lower misclassification risk
Ruul contracts with each contractor as the legal counterparty, which helps lower misclassification risk.
Legal counterparty
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Checks before the first payout
Each contractor contracts with Ruul and passes identity and AML checks before they get paid.
KYCAML
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Tax forms in one place
W-9 for US contractors, W-8 for non-US contractors when requested, and 1099 documentation, where applicable.
W-9W-81099
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Invoices finance can process
A business-ready invoice from Ruul for every payment, with complete issuer details.
Every payment
[IV] TRUST
Trusted by the people who pay.
4.9 out of 5
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“I am glad I found Ruul to make payments to my freelancers from 3 different continents.”
Ellie L. Client · France · Jul 2023
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“Perfect service, I recommend for everyone with remote contractors.”
O. Dogan Client · United Kingdom · Jan 2023
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“Their service makes my life easier and I’ve never had trust issues with them.”
Anne Peters Client · Netherlands · Jun 2023
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“In general, I recommend any new freelancer that I am working with to use Ruul.”
U. Lacin Client · Sweden · Aug 2026
Selected reviews from Trustpilot, written by clients. Read all reviews
[V] FAQ
Ask Ruul anything.
Beta Ruul AI can make mistakes. Check the articles it links.
What businesses ask first
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You onboard contractors with built-in checks, contracts, and tax forms. Then you select and pay one or multiple contractors using your preferred payment method. Ruul acts as the legal counterparty, provides a business-ready invoice you can process easily, and the contractor receives their payout within 1 business day.
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Ruul charges a flat 5% commission per payment, with no setup or monthly fees. For a single payment you choose whether your business or the contractor covers it; on bulk payments your business covers it.
See pricing -
Contractors can typically receive their payout in one business day after you pay. Timing can vary by payment method, country, and local banking rails.
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Ruul runs built-in KYC and AML checks for contractors, and KYB checks for businesses to help protect platform integrity. Checks are completed during onboarding and may be re-run as needed for ongoing monitoring and risk prevention.
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Ruul supports storing and managing common contractor tax paperwork, where applicable. This includes W-9 for US contractors, W-8 forms for non-US contractors when requested, and 1099 documentation for US reporting needs. What applies depends on your contractor’s tax status and where they are based, and the platform guides you to the right form when it’s needed.
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Bulk payments generate a single invoice that covers the full batch, so you can pay many contractors in one run with one clean record for finance.
How bulk payments work -
Yes. Contractors and businesses based in countries restricted under FATF guidelines are not supported. Certain industries, such as gambling, betting, and other regulated activities, are also not allowed. Some services that require specific licenses or regulatory approval may be restricted.
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A freelancer account. If clients pay you for your work, Ruul invoices your client, collects the payment, and pays you out, with no company needed. Business accounts are for companies that pay contractors. If a company invited you to get paid through Ruul, use the link in their invitation.
Ruul for freelancers
[VI] RELATED ARTICLES
Guides for working with contractors.
