Introduction

If you are an international entrepreneur or a non-resident looking to accept payments from US customers, Stripe is one of the best and most widely used payment processors. However, creating a US Stripe account without living in the US can be tricky since Stripe requires a US-based business, a US bank account, and a tax identification number EIN or SSN or ITIN.

This guide will walk you through everything you need to know about setting up a US Stripe account as a non-resident with or without an SSN. You will learn

1. What is Stripe and how does it work
2. Requirements for opening a US Stripe account as a non-resident
3. Step-by-step guide to setting up Stripe
4. How to get a US bank account and EIN without an SSN
5. How House of Neurals can help you set up everything easily

What is Stripe

Stripe is a global payment processing platform that allows businesses to accept online payments via credit cards, debit cards, and digital wallets like Apple Pay and Google Pay. Founded in 2010, it has become one of the most popular and trusted payment gateways worldwide.

Stripe’s Key Features

1. Supports 135 plus currencies and multiple payment methods
2. Offers fraud detection and chargeback protection
3. Provides instant payouts to bank accounts
4. Integrates easily with e-commerce platforms like Shopify, WooCommerce, and Wix

Why Choose Stripe

Stripe is widely used because of its developer-friendly API, easy setup, and global acceptance. It is an ideal choice for international entrepreneurs who want to receive payments from US customers while operating from anywhere in the world.

However, Stripe requires a US-based business entity, a US bank account, and an EIN to open an account. If you are a non-resident without an SSN, this can be a challenge but House of Neurals can help you set up your US business and get everything required to open a US Stripe account hassle-free.

Can a Non-Resident Open a US Stripe Account?

Yes. Non-residents can open a US Stripe account but you must meet Stripe’s eligibility requirements. You do not need a Social Security Number SSN but you do need

1. A US-registered business LLC or Corporation
2. An Employer Identification Number EIN
3. A US bank account for receiving Stripe payouts
4. A US business address and phone number

Requirements to Open a US Stripe Account as a Non-Resident

A US-based Business LLC or Corporation

You must register a US company preferably in Delaware or Wyoming as these states offer low fees and privacy benefits. An LLC is the best choice for non-residents because it is simple, tax-friendly, and does not require US residency. No need for a physical office as a registered agent can provide a US business address.

Employer Identification Number EIN

The EIN Employer Identification Number is required for Stripe verification. You do not need an SSN to get an EIN. You can apply via the IRS Form SS-4 or use a third-party service for faster processing. EIN processing time is two to four weeks if applying by fax or instantly if applying online via a third-party agent.

A US Business Bank Account

Stripe requires a US-based bank account to process payments. If you cannot visit the US, you can open a virtual bank account with

1. Mercury Bank – Best for non-residents and online businesses
2. Wise formerly TransferWise – Good for receiving Stripe payouts
3. Payoneer – Can be linked with Stripe but has limited features

A US Business Address and Phone Number

A registered agent address or a virtual office address works for Stripe. You need a US phone number for verification. Services like Google Voice, TextNow, or OpenPhone work well.

Steps: How to Create a US Stripe Account Without Living in the US

Step 1 Register a US LLC or Corporation

To use Stripe, you need to have a legally registered US business. The best states for non-residents are

1. Delaware – Best for tech startups with strong legal protection
2. Wyoming – Low taxes best for small businesses
3. Florida – No state income tax good for e-commerce businesses

House of Neurals can handle your LLC formation, EIN, and bank account setup.

Step 2 Get an EIN Without an SSN

Non-US residents can apply for an EIN via IRS Form SS-4. You do not need an SSN or ITIN to get an EIN. Processing time is online third party one week, fax two to four weeks, or mail six to eight weeks.

Step 3 Open a US Business Bank Account

Mercury Bank and Relay Financial allow non-residents to open a US business bank account online. Wise and Payoneer work but have some limitations with Stripe.

Step 4 Sign Up for Stripe

1. Go to Stripe’s website and sign up
2. Enter your US business details like LLC name, EIN, address, and phone
3. Add your US bank account like Mercury, Wise, or Payoneer
4. Verify your identity using a passport
5. Submit your application and start accepting payments

Common Problems and Solutions

Stripe Rejects Your Application

Ensure your business name, EIN, and bank details match exactly.

No US Bank Account

Use Mercury Bank or Relay Financial instead of traditional US banks.

Stripe Holds Payments

Provide business proof like invoices, website, and contracts to avoid delays.

Get Expert Help – House of Neurals Will Set Up Everything for You

Opening a US Stripe account as a non-resident requires multiple steps. But House of Neurals makes it easy by handling everything for you.

1. We register your US LLC in Delaware or Wyoming
2. We obtain your EIN Tax ID – No SSN required
3. We open your US business bank account with Mercury or Relay
4. We set up your Stripe account for you

Contact House of Neurals today and start accepting US payments with Stripe without hassle.

Conclusion

Opening a US Stripe account as a non-resident is 100 percent possible with the right setup. By forming a US LLC obtaining an EIN and opening a US bank account you can access Stripe’s powerful payment processing system and scale your global business.

Need expert help. House of Neurals will set up everything for you.