How Do I Receive Payments from Clients?

Receiving payments from clients is one of the most common financial tasks for any business. Lemony makes it simple by giving you dedicated bank accounts in three major currencies, so your clients can pay you the way that works best for them — and the money arrives ready to use.

What bank accounts do I get?

Every Lemony account comes with named bank accounts in three currencies: USD, EUR, and BRL.

These are real bank accounts that your clients can send payments to, just like they would send money to any other bank account. The difference is that when funds arrive, they are automatically converted into digital dollars and credited to your main wallet — with no manual steps, no middleman, and no hidden conversion fees.

Your clients do not need a Lemony account to pay you. They simply send the payment to the account details you provide, in whichever currency is most convenient for them.

How does the conversion work?

When a client sends you money in USD, EUR, or BRL, the funds are automatically converted into digital dollars (USDc) at the time of arrival.

This means your balance is always in a stable USD equivalent, regardless of which currency your client paid in. If a European client pays you in euros and a Brazilian client pays you in reais on the same day, both amounts arrive in your wallet as digital dollars — no manual conversion, no juggling exchange rates, no separate accounts to manage.

The conversion happens behind the scenes. You do not need to do anything other than provide your client with the correct account details.

Can I control spending on each card?

Yes. Each card has its own spending controls that you configure when you create it.

You can set a maximum spending limit per transaction, per day, or per month. This means a card assigned to a junior team member can have a lower limit than a card used by a senior buyer. You can also pause or cancel any card at any time without affecting the others.

Because each card draws from a specific sub-wallet, the available balance is also a natural limit. A card linked to a sub-wallet with USD 5,000 cannot spend more than that, no matter what limit you set on the card itself. This gives you two layers of control — the sub-wallet balance and the card-level limits.

Where does the money go?

Once converted, the funds are credited directly to your main wallet — the central hub of your Lemony account.

From there, you can distribute the money across your sub-wallets however you need. For example, you might allocate a portion to a client-specific sub-wallet for their campaign spending, move some to an operational expenses sub-wallet, and leave the rest in the main wallet as reserves.

Because the conversion happens before the money reaches your wallet, you never have to worry about timing the exchange rate or managing multi-currency balances across different accounts.

"Your clients pay in their currency, and you receive in a stable USD balance — no conversion headaches, no delays, no hidden costs."

How is this different from receiving payments through a traditional bank?

When you receive an international payment through a traditional bank, several things happen. The payment passes through intermediary banks, each taking a fee. The exchange rate applied is often unfavorable. And the settlement can take anywhere from one to five business days.

By the time the money arrives in your account, you have lost a significant percentage to fees and unfavorable rates — sometimes as much as 10 percent depending on the route.

With Lemony, the process is faster and more cost-effective. International payments settle in a fraction of the time, the conversion rate is transparent, and there are no intermediary banks taking a cut along the way. Your clients pay what they owe, and you receive what you expect.

Do I need to do anything different for each currency?

You provide your client with the account details for their preferred currency. They send a standard bank transfer. The funds are automatically converted into digital dollars and credited to your main wallet. From your perspective, the only difference is which account details you share — the rest is handled automatically.

This is particularly useful if you work with clients in different countries. A client in the United States pays you in USD. A client in Europe pays you in EUR. A client in Brazil pays you in BRL. All three payments arrive in the same wallet, in the same stable USD balance, without you needing to manage three separate banking relationships.

Can I receive payments from any client?

Yes. Anyone can send a payment to your Lemony bank accounts, regardless of whether they use Lemony themselves.

You simply share the account details for the relevant currency — USD for clients in the United States, EUR for European clients, BRL for clients in Brazil. They send a standard bank transfer, and the funds arrive in your Lemony account.

This makes it practical for agencies and operators who work with clients across multiple countries and currencies. You provide one set of instructions per currency, and every payment lands in the same place — your main wallet.