Hiring across borders is easy for e-⁠residents. But paying across borders can still be complicated.

This guest post about payment solutions for global entrepreneurs was contributed by Wallester, a provider of corporate cards and expense management software. Wallester empowers companies across the European Economic Area (EEA) and the UK to streamline payments, launch branded cards, and scale efficiently. Wallester is also a trusted member of the e-⁠Residency Marketplace.

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Entrepreneurs running their businesses through Estonia’s e-⁠Residency programme enjoy its benefits. Some of them are borderless company setups, online administration, and full remote access. However, one aspect remains tricky: paying international teams.

This guide explains the challenges of managing international team payout for e-⁠residents. We provide solutions to solve these challenges with fewer tools and less administrative work. With the correct setup and the support of Estonia’s digital-first ecosystem, you can focus on growing your business from anywhere.

Why global team payments are still a challenge

It’s easy to start and run a company online as an e-⁠resident, but traditional financial infrastructure has its own challenges. Most payment systems are not yet designed for remote teams working across currencies, contracts, and borders.

Many founders use a mix of payment systems, which can slow things down and add extra costs. Even if you’re only planning to start a cross-border business, you might face these same issues.

For example, you want to hire freelancers across Europe or manage a team paid in different currencies. Then sending payments, issuing cards, and handling expenses can get complicated.

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Global payments issues of international teams and operations.

Currency volatility

Exchange rates fluctuate, and even a 2-3% swing can significantly impact margins. If you invoice in euros but pay in pounds, dollars, or francs, the difference can add up quickly.

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Delays and hidden costs in international transfers

International bank transfers are usually slow and can take days to complete. They also cost more than local payments and often come with unexpected fees.

Local blockers

In some markets, contractors need local accounts to receive payments. Tax rules also vary widely. Issuing company cards to external collaborators is often restricted, making expense control harder.

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Manual processes, limited visibility

Many teams still rely on spreadsheets and reimbursements. Without real-time spend tracking, founders may miss budget overruns and only catch issues during reconciliation when it’s too late.

Fragmented financial tools

When founders use different banks, wallets, and payment systems, it’s easy to lose track of spending. Without a clear system, it’s hard to monitor expenses or ensure that company rules are followed.

What to prioritise in a smarter salary setup

Running international operations might seem complicated, but in reality, you just need the right modern tools.

Features to look for:

• Multi-currency support that minimises foreign exchange fees and controls which currency is used for specific transactions.
• Instant virtual card issuance that helps set up cards based on roles or projects, each with defined limits and usage parameters.
• Cloud-based spend dashboards give access to real-time data on expenses by team member, vendor, or category.
• Policy and approval automation enable you to define rules, require receipts, and automatically block non-compliant transactions.
• Accounting integration helps reduce manual work by syncing spending data with your bookkeeping tools.

Smart, integrated payment solutions help you work more transparently. They support the key values necessary for doing business in a highly digital country like Estonia.

Besides seamless and cost-effective foreign exchange handling, you should also have full visibility over your spending. Ideally, this comes from a single interface.

Getting set up for success in borderless employment

Before looking into the details of modern payment and expense management tools, take a step back and review your setup. Ask yourself:

Regardless of your project, it’s worth investing in the right tools from the outset. With a good setup, you can issue virtual cards based on roles, track costs by project, and automate much of the usual admin work.

You’re not alone in this. Thousands of e-⁠residents are building borderless teams and finding better ways to manage expenses, collaborate globally, and grow sustainably.

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A trusted solution is Wallester Business

Wallester Business is an all-in-one solution that helps e-⁠residents pay salaries for teams that operate worldwide.

As a member of the e-⁠Residency Marketplace, it’s built for modern, international businesses, offering features such as 300 free virtual cards, built-in expense tracking, support for both physical and virtual card issuance, and no sign-up or monthly fees.

Whether you’re managing payments for a single freelancer or coordinating teams across multiple countries, Wallester Business gives you the control, visibility, and flexibility to do it well.

It’s one more way the e-⁠Residency ecosystem supports global entrepreneurs to do business 100% digitally from anywhere.

Check Wallester's profile out on the e-⁠Residency Marketplace.