Stripe, Wise, Payoneer or U.S. Bank Account?
How to get paid with your LLC.
You formed a U.S. LLC — now how do you get paid?
Once your LLC is up and running, the next question is: how can you receive payments from clients or platforms? As a non-U.S. resident, you have several good options depending on your location, industry, and the services you use.
1 Stripe
Stripe is one of the most popular payment gateways for online businesses.
Pros
Direct integration with your website, Shopify, etc.
Professional checkout and invoicing
Supports USD, EUR, and more
Cons
Requires a U.S. business bank account
May ask for a U.S. phone or address (virtual options exist)
Ideal if you sell products, subscriptions, or online services globally.
2 Wise (ex-TransferWise)
Wise offers multi-currency accounts and works well with LLCs.
Pros
You get U.S. bank details (ACH + wire)
Can receive USD, EUR, GBP, and more
Fast transfers and low fees
No need to be physically in the U.S.
Cons
Account name must match LLC name exactly
Not a full commercial bank — transaction limits apply
Perfect for freelancers or small business owners receiving wire payments.
3 Payoneer
Payoneer is popular for marketplaces such as Upwork, Fiverr, and Amazon.
Pros
Accepted by most online platforms
USD receiving accounts available
Easy withdrawals to local banks
Cons
Higher fees than Wise
Less transparent exchange rates
Less flexibility for custom invoices
Useful for platform-based income — Upwork, Airbnb, Amazon sellers.
4 U.S. Bank Account
Opening a real U.S. bank account (e.g., Mercury, Relay, Bluevine) gives you full banking features.
Pros
Full-featured business account
U.S. routing and account number
Ideal for Stripe, wire transfers, and bill payments
Cons
Requires LLC + EIN
Some banks ask for a U.S. address and phone number
Not all banks accept non-resident owners
Great for scaling your business or accessing credit and fintech tools.
Final Thoughts
Choosing how to get paid with your U.S. LLC depends on your business model and where your clients are. For many international entrepreneurs, starting with Wise or Payoneer is quick and effective — and later combining with Stripe and a U.S. bank account unlocks the full potential.
At Legal Tax Services, we help you:
Form your LLC
Get your EIN or ITIN
Open Stripe or bank accounts
Comply with reporting and tax rules
Want to get started? Contact us and we'll guide you on the best payment setup for your international business.
