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Hire an offshore accounts payable or receivable specialist in the Philippines for your US business

By , Co-founder and CEO, Offshored. Published . Last updated .

An offshore accounts payable or accounts receivable specialist from Offshored costs US$1,500 to US$2,000 per month, all-inclusive, and works full time in your accounting system during your US business hours.

A dedicated person who keeps your vendors paid on time and your customers paying on time, without tying up your local team. You choose the candidate and set the process; Offshored recruits, onboards and manages them in Manila.

Book a 20-minute callSee the monthly cost
The role

What an offshore accounts payable or receivable specialist does

Accounts payable and accounts receivable are the two ends of your cash cycle, and both are process work that rewards a dedicated person doing it every day. An accounts payable specialist receives vendor invoices, checks them against purchase orders and deliveries, enters them in Bill.com or your accounting system, reconciles vendor statements and prepares payment batches for your approval. An accounts receivable specialist raises invoices, sends statements, follows up past due accounts by phone and email and keeps your receivables reporting current.

Smaller businesses usually hire one offshore specialist to run both sides. Businesses with high invoice volumes, such as construction, wholesale, logistics, healthcare and professional services, often hire one for each, or an accounts payable specialist alongside an offshore bookkeeper.

They work inside your QuickBooks Online, Xero, NetSuite or Bill.com account and your email and phone systems, with the access you grant, and follow your approval limits. Payment authority stays in the United States.

Task list

Tasks you can hand to an offshore accounts payable or receivable specialist

Start with the first column and add the second as trust builds. Your team member follows your procedures and your approval limits, documented during onboarding.

  • Vendor invoice processing receiving, coding and entering vendor bills, with three-way matching to purchase orders and receiving documents
  • Vendor statement reconciliation matching statements to the ledger and resolving missing or duplicated invoices with vendors
  • Payment runs preparing weekly or biweekly payment batches and remittance advices in Bill.com or your bank portal for your approval
  • Vendor queries answering vendor calls and emails about payment status within your business hours
  • Expense and credit card processing coding employee expenses and card transactions and chasing missing receipts
  • Invoicing raising and sending customer invoices, progress billings and statements from your system on schedule
  • Collections follow-up polite, persistent phone and email follow-up of past due accounts to your escalation rules
  • Cash application applying payments, remittances and partial payments to the right invoices daily
  • Credit control new customer account setup, credit checks with your provider and credit hold recommendations
  • Aging reports aged receivables and payables, cash collected and days sales outstanding reports for your weekly review
Systems

Tools an offshore accounts payable or receivable specialist typically uses

QuickBooks OnlineXeroNetSuiteBill.comMicrosoft Excel and Google SheetsOutlook and Gmail

Most US businesses run accounts payable and receivable inside QuickBooks Online, Xero or NetSuite with Bill.com for approvals and payments. If your industry system raises the invoices or receives the bills, such as a job management, construction or property platform, tell us and we shortlist candidates who already use it.

Monthly cost

How much an offshore accounts payable or receivable specialist costs per month in USD

An accounts payable or receivable specialist from Offshored costs US$1,500 to US$2,000 per month for a team member working US Eastern hours, or US$1,650 to US$2,200 per month for Pacific hours. That is one flat, all-inclusive fee per full-time team member, invoiced monthly in advance, converted from the Australian band on our pricing page as set out below.

ItemOffshore accounts payable or receivable specialist
Monthly fee, Eastern hoursUS$1,500 to US$2,000 per month
Monthly fee, Pacific hoursUS$1,650 to US$2,200 per month
Where in the bandLower end for a single-function processing role; upper end for a specialist running both payable and receivable, credit control and weekly reporting for a high-volume business
What is includedEverything: recruitment and vetting, employment in the Philippines by Australian Pathways OPC, salary, Philippine income tax and statutory contributions (SSS, PhilHealth and Pag-IBIG), 13th month pay, paid leave, HMO health insurance after the six month probation, payroll, timekeeping, HR and performance management, office space and equipment for office based team members, and replacement at our cost if the person leaves
What is not includedYour software subscriptions and phone system, credit reporting subscriptions, and any hardware you choose to supply beyond what Offshored provides
Night shift differentialUS business hours are covered by a night shift in Manila. Philippine law sets a night shift differential of 10 percent of the regular wage for each hour worked between 10:00 pm and 6:00 am (Labor Code of the Philippines, Article 86), and Offshored includes it in the monthly fee, so the USD price shown is the price you pay.
FeesNo recruitment, placement or setup fees. One monthly invoice from Offshored Pty Ltd, an Australian company
How the USD figure is setConverted from A$1,900 at the Wise mid-market AUD to USD rate of 0.7017 read on October 23, 2026, rounded up to the next US$50. Eastern time fees are shown; Pacific time fees are 10 percent higher before rounding. The rate is fixed between reviews and is reviewed on the first business day of each quarter (next review Monday, January 4, 2027); a change applies only to new quotes, never to a running contract.

A typical week for your offshore accounts payable or receivable specialist, and what it replaces

An accounts payable or receivable specialist from Offshored costs US$1,500 to US$2,000 per month, all-inclusive, which is US$18,000 to US$24,000 a year. The US median wage for bookkeeping, accounting, and auditing clerks is US$50,670 a year (BLS Occupational Employment and Wage Statistics, May 2025), and employer benefit costs add 30.0 percent of total compensation in private industry (BLS Employer Costs for Employee Compensation, June 2026), so the loaded cost of the median US hire is US$72,386 a year. At the midpoint of the band, US$1,750 a month, the saving is 71.0 percent (Pacific hours: US$1,925 a month, 68.1 percent).

ComparisonFigure and source
Offshored feeUS$1,500 to US$2,000 per month for US Eastern hours, all-inclusive (US$18,000 to US$24,000 a year); US$1,650 to US$2,200 per month for Pacific hours (US$19,800 to US$26,400 a year), converted from the Australian band on the Offshored pricing page. The Philippine night shift differential is included in the fee.
US median wageUS$50,670 a year, occupation 43-3031 Bookkeeping, Accounting, and Auditing Clerks, national estimate, May 2025 (BLS OEWS, released May 15, 2026). 25th percentile US$43,520, mean US$53,560, 75th percentile US$61,470. Employment 1,373,680.
With employer benefitsUS$72,386 a year. Benefits were 30.0 percent of total compensation for private industry workers in June 2026 (wages and salaries $32.82 and benefits $14.07 of $46.89 per hour worked; BLS ECEC, released September 9, 2026), so the loaded cost is the median wage divided by 0.700.
Saving71.0 percentat the Eastern band midpoint of US$1,750 a month (US$21,000 a year) against the loaded median cost of US$72,386. At US$1,500 the saving is 75.1 percent; at US$2,000 it is 66.8 percent. At the Pacific midpoint of US$1,925 a month the saving is 68.1 percent.

Method: the saving compares the Offshored monthly fee times 12 with the BLS national median annual wage for the occupation divided by the ECEC wage share of total compensation (70.0 percent, private industry, June 2026). It leaves out the US employer's recruitment, office, equipment and management costs on one side and nothing on the other, because the Offshored fee already includes recruitment, equipment for office based staff, HR and the Philippine night shift differential. Figures are national; wages in New York, San Francisco and Boston are higher than the national median and the saving there is larger. BLS figures read October 23, 2026.

What your offshore accounts payable or receivable specialist does in a typical week, on your hours

  1. Every day: process vendor invoices from the accounts inbox, match them to purchase orders and route them for approval
  2. Every day: apply customer payments against the right invoices in your ledger
  3. Tuesday and Thursday: prepare the payment runs for you to approve and release
  4. Wednesday: reconcile vendor statements and resolve queries with vendors
  5. Every week: send invoices and statements and follow up past due customers by phone and email under your credit rules
  6. Friday: update the aged payables and receivables reports, flag any credit risks and clear the query queue
  7. Month end: reconcile payables and receivables to the general ledger and hand the workpapers to your accountant

This is the pattern most clients settle into after the first month. Your team member follows your procedures and approval limits, and you can change the mix at any time.

Who you get

Qualifications and experience

What Offshored looks for when shortlisting an offshore accounts payable or receivable specialist for a US business:

  • Degree a bachelor's degree in accountancy, accounting technology, financial management or business administration
  • US client experience two or more years processing accounts payable or receivable for US businesses, in-house or through a Philippine team serving US clients
  • Process discipline experience with three-way matching, approval workflows, statement reconciliation and a documented month-end close
  • Customer and vendor contact confident, courteous phone manner in English for collections calls and vendor queries; call center and collections experience is common in the Philippine workforce
  • Software QuickBooks Online, Xero or NetSuite plus Bill.com; Excel for reconciliations and reporting
  • Vetting a pre-screening interview with Offshored's recruitment team in Manila and an NBI clearance (the Philippine police check) before any candidate is presented to you

You interview the shortlisted candidates yourself. For a receivable role we suggest a short role-play of a collections call so you can hear how they handle your customers.

Working hours

US business hours, covered from Manila

Your offshore accounts payable or receivable specialist works a full eight-hour day, Monday to Friday, at the times you set in your US time zone. Manila is UTC+8 all year and does not observe daylight saving, so the gap narrows by one hour while US daylight time runs (March 8 to November 1, 2026; March 14 to November 7, 2027). US business hours are covered by a night shift in Manila. Philippine law sets a night shift differential of 10 percent of the regular wage for each hour worked between 10:00 pm and 6:00 am (Labor Code of the Philippines, Article 86), and Offshored includes it in the monthly fee, so the USD price shown is the price you pay.

Your time zoneManila is ahead byYour 9:00 am to 5:00 pm day in Manila time
Eastern (New York, Miami, Atlanta)13 hours (12 hours in daylight time)10:00 pm to 6:00 am (9:00 pm to 5:00 am in daylight time)
Central (Chicago, Dallas, Houston)14 hours (13 hours in daylight time)11:00 pm to 7:00 am (10:00 pm to 6:00 am in daylight time)
Mountain (Denver, Salt Lake City)15 hours (14 hours in daylight time)12:00 am to 8:00 am (11:00 pm to 7:00 am in daylight time)
Pacific (Los Angeles, San Francisco, Seattle)16 hours (15 hours in daylight time)1:00 am to 9:00 am (12:00 am to 8:00 am in daylight time)

Hours in the table are Manila local time; a 9:00 am Eastern start in winter is 10:00 pm the same calendar day in Manila. Team members work US public holidays unless the day is also a Philippine holiday, and Offshored gives you two business days' notice of any Philippine holiday that affects your team member's schedule. Every shift is logged on our timekeeping platform. Arizona (except the Navajo Nation) and Hawaii do not observe daylight time; ask us for your exact overlap.

Six questions

What US owners ask before hiring an offshore accounts payable or receivable specialist

How much does an offshore accounts payable or receivable specialist cost for a US business?

An offshore accounts payable or receivable specialist through Offshored costs US$1,500 to US$2,000 per month, all-inclusive, which is US$18,000 to US$24,000 a year. The fee covers the specialist's salary, Philippine statutory contributions, 13th month pay, paid leave, HMO health insurance after probation, payroll, HR and replacement at our cost, and the Philippine night shift differential is included, never billed separately. For Pacific hours the fee is US$1,650 to US$2,200 per month. The lower end is for a single-function processing role; the upper end is for one person running both payable and receivable with credit control and weekly reporting. There is no recruitment or setup fee.

What do accounts payable and receivable clerks earn in the United States, and how does that compare?

The Bureau of Labor Statistics groups accounts payable and accounts receivable clerks under bookkeeping, accounting, and auditing clerks (occupation 43-3031). The median annual wage was US$50,670 in May 2025, with a mean of US$53,560, a 25th percentile of US$43,520 and a 75th percentile of US$61,470 (BLS OEWS, May 2025, released May 15, 2026). Benefits added 30.0 percent of total compensation on top of wages for private industry workers (BLS Employer Costs for Employee Compensation, June 2026), so total compensation at the median wage is US$72,386 a year. The Offshored tier midpoint of US$1,750 a month is US$21,000 a year, which is 71.0 percent less.

Should I hire one offshore specialist for both accounts payable and receivable?

It depends on volume. One dedicated specialist can usually run both sides for a business with a few hundred vendor bills and customer invoices a month, with time to spare for reporting. Where collections calls take most of the day, or invoice volumes are higher, hire one for each. We scope the volume with you on the first call and recommend one person or two.

Can an offshore accounts receivable specialist call my US customers?

Yes. They call from your phone system or a cloud phone app with a US number, during your business hours, following your scripts and escalation rules. Filipino professionals are widely used for US customer contact because of their clear English and courteous manner, and your customers deal with one consistent person rather than a rotating call center.

Will my offshore specialist work US business hours?

Yes. Your specialist works a full eight-hour day, Monday to Friday, at the times you set in your US time zone. Manila is 13 hours ahead of New York in winter and 12 in summer, and 16 and 15 hours ahead of Los Angeles, so your US day is a night shift in Manila. US business hours are covered by a night shift in Manila. Philippine law sets a night shift differential of 10 percent of the regular wage for each hour worked between 10:00 pm and 6:00 am (Labor Code of the Philippines, Article 86), and Offshored includes it in the monthly fee, so the USD price shown is the price you pay.

How do I keep control of payments with an offshore accounts payable specialist?

Payment authority stays with you. Your specialist enters and matches bills, reconciles statements and prepares the payment batch, then you or your US manager approve it in Bill.com or your approval tool and release it in the bank. They never hold banking authority unless you choose to grant it, and all their system access is removed on their last day.

Related US role pages: bookkeeper and accountant. Australian version of this page: offshore accounts payable or receivable officer for Australian businesses. See every role Offshored recruits.

Ready to talk about hiring an offshore accounts payable or receivable specialist? Book a free 20-minute call.

Pick a time and William Smith, Offshored's co-founder, calls you at a time that suits your US time zone. We scope the role, give you the monthly cost band in USD and tell you honestly whether offshore staff will work for your business. No lock-in, no obligation.

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