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U.S. BUSINESS BANKING · MERCURY
Stripe and other payment gateways need a U.S. business bank account before they accept your company and pay you out. Mercury lets founders outside the U.S. apply online. We check your company is ready and prepare your documents first, so your application is complete from the start.
Banking support: $125. Included free in the Platinum formation package.
WHY IT MATTERS
Stripe, PayPal and other payment gateways ask for a U.S. business bank account in your company’s name. You link it to receive your payouts. Without one, most gateways will not accept your company.
Receive money from U.S. clients and platforms such as Amazon and Shopify straight into your company account.
Keeping company money separate from your personal money helps keep your LLC’s protection strong and your tax return clean.
Pay and get paid in U.S. dollars without expensive international transfers every time.
WHY MERCURY
Mercury is open to many founders who live outside the U.S., as long as the company is formed in the U.S. and has current or planned U.S. business.
Type your country of residence to check that it is not on Mercury’s list of unsupported countries.
Source: Mercury’s official list of prohibited countries, checked on October 23, 2026. Mercury can change this list at any time.
No U.S. visit needed. You apply from wherever you live.
You do not need to be a U.S. citizen or resident to own the account.
A U.S. dollar business account with debit cards for you and your team.
Bary Business may receive a referral reward from Mercury when you open an account through our link. It costs you nothing extra. Mercury is a financial technology company, not a bank. Banking services are provided by Mercury’s partner banks.
WHAT MERCURY LOOKS AT
Mercury cannot support founders living in some countries, and some business types (such as money services, gambling or cannabis) are not accepted. We check this with you first.
OUR BANKING SUPPORT
We do not open the account for you, and nobody can promise approval. We check that your company and your application are ready, and help you avoid the common mistakes that can lead to a decline.
Forming a new company with us? Banking support is part of the All-in-One Platinum formation package. It is what makes Platinum different from Standard.
AVOID A “NO”
We help you describe your business clearly and check your website or online presence is ready.
We compare your company documents, passport and address so every detail matches.
You get a checklist of every document you need, including your EIN letter.
We make sure you give a real address where you work, which Mercury requires.
We check this before you apply, so you don’t waste time.
We help you explain where your company’s money comes from, simply and honestly.
HOW IT WORKS
Order banking support in your portal.
Upload your company and personal documents.
We check everything and send your checklist and any fixes.
You apply to Mercury with confidence, using our link.
MERCURY PERKS
Bonus with your Mercury account: access to Mercury’s perks marketplace, with hundreds of partner deals that can add up to tens of thousands of dollars. Perks our own team has unlocked include:
AWS $5,000 in credits
Infobip up to $50,000
General Translation $2,000
Supabase $300 in credits
Lovable 300 credits
Customer.io 6 months free
ElevenLabs 1 year free
OpenRouter $1,000 in credits
Signeasy 6 months free
Zendesk 6 months free
Notion Business 6 months + unlimited AI
Front 6 months free
ClickUp $3,000 in credits
Granola 1 year free
Lazarus $500 in creditsExamples only. Perks are offered by Mercury’s partners, change over time and have their own eligibility rules.
NEED A COMPANY FIRST?
The All-in-One Platinum formation package includes banking support, for Wyoming and Delaware companies.
Mercury needs your company’s EIN. We get it for $100, in 5 days or less, with no SSN needed.
BANKING QUESTIONS
Yes. Mercury’s application is fully online. You do not need to travel to the U.S.
No. Mercury accepts founders without a U.S. tax number. Your company needs its EIN, and each owner needs a valid passport.
Mercury supports founders in many countries, but not all. Tell us where you live and we check it before you pay anything.
It depends on Mercury’s review. Many applications are decided within days, some take longer if Mercury asks for more information.
Mercury makes the final decision and does not always explain it. If your application is declined, we go through it with you and tell you honestly whether a new application makes sense.
KEEP EXPLORING
The U.S. Company Advantage: 14 pages, free to download.
Your Wyoming or Delaware company and EIN, from $299 with state fees included.
Tax filing and registered agent at the same price in every state.
Create your free account, order banking support, and apply to Mercury with everything in order.
Bary Business may receive a referral reward from Mercury when you open an account through our link. It costs you nothing extra. Mercury is a financial technology company, not a bank. Banking services are provided by Mercury’s partner banks.