How to Pay Contractors in Mexico, Colombia, and Argentina Without the 7% Platform Fee

Expanding your team into Latin America is a strategic move – but figuring out how to pay contractors in Latin America without excessive fees can be a shock.

Most global contractor management platforms charge a 7% service fee just to handle contracts and payments. Once you add bank wire fees and currency markups on top, the real cost of paying contractors in Latin America becomes significantly higher than expected.

Abillio Pro changes the math.

For companies that need to pay contractors in Latin America, Abillio Pro offers a flat 3%* fee – more than halving typical platform costs while ensuring 100% compliance in complex markets like Mexico, Colombia, and Argentina.

1. How Abillio Pro Helps You Pay Contractors in Latin America 

Unlike EOR providers that take on employer liability (and charge you for it), Abillio Pro functions as a sophisticated invoicing and payment intermediary.

• The Commercial Reality: The direct relationship remains between your company and the contractor. Abillio doesn’t become the legal employer, which is why we can offer a 3% rate instead of the industry-standard 7%+.
• Our Role: We generate compliant invoices under our legal entity, collect funds from you in one bulk payment, and distribute them across LATAM via optimized payment rails (Cards, Bank Transfer, Airtm, etc.).

2. Country Highlights – Seamless Ways to Pay Contractors in Latin America

To pay contractors in Mexico, working with a foreign firm is a standard “Export of Services.”

• The Workflow: You receive a professional invoice from Abillio (Estonian EU entity). Your Mexican contractor handles their own local taxes and issues their required digital receipts (CFDI) locally to mirror the income.
• The Payout: Abillio supports direct payouts to Visa and Mastercard, as well as Paypal, Crypto, Airtm and SWIFT. While the final currency (USD or MXN) depends on the contractor’s specific card and bank settings, this method bypasses the heavy $40 SWIFT fees that often plague Mexican bank accounts.

Colombia: Bypassing the Banking “Brakes”

Colombian banks often pause foreign transfers for manual “Monetización” reporting, causing weeks of delays.

• The Abillio Edge: By using flexible rails like Airtm or direct card payouts, we help your Colombian team skip the traditional banking “purgatory.” Funds are typically cleared same-day or next-day, keeping your team happy and productive.

Argentina: Competitive Market Access

Argentina’s currency controls can be devastating for freelancers if funds are converted at the low “Official Rate.”

• The Abillio Edge: We provide flexible payout options, including USDC (via Solana) and Airtm. This allows Argentine freelancers to access their pay at market-competitive rates (MEP/Blue Chip) rather than losing half their value to legacy bank conversions.

3. The 3% Logic: Scaling at 3%, Not 7%

Whether you are paying entry-level support or senior engineers, the typical 7% platform fee adds up quickly.

If you regularly pay contractors in Latin America, reducing that fee from 7% to 3% dramatically improves your unit economics.

*A 3% fee applies to freelancers whose tax residence is outside of Latvia and Estonia