How do you get paid reliably across borders?

Cross-border payments are a constant headache for diaspora and at-home freelancers. Let's pool solutions.

What freelancers use (verify what's available to you):

• Wise and Payoneer for receiving international payments.
• PayPal, where supported, though fees and country limits vary.
• Mobile money for local clients.
• Clear contracts and partial upfront payment to reduce non-payment risk.

What payment methods actually work for you, and how do you handle clients who pay late? Share the real-world details.