How to Open a Stripe Account with a US LLC (What Docs You Actually Need)

If you're opening a Stripe account with your US LLC and getting rejected, you're missing one critical step, and here's how to fix it. Here's the problem. 73% of non- US LLC owners fail on application day. Get your EIN from the IRS within 48 hours using the online portal, not mail.

Open a US business bank account first because Stripe verifies your routing number in 24 hours. Opening a Stripe account with your US LLC unlocks payment processing for your online business, but most non- US founders hit a wall during verification. You form your LLC in Wyoming or Delaware, get excited, then Stripe asks for documents you don't have. A founder registers their Delaware LLC in January 2026, applies to Stripe the same week, and gets rejected because they skipped the bank account step.

Within 72 hours, they lose three customer orders worth $840 because they can't accept payments. Here's what to do instead. Most people fail here. They apply to Stripe before opening a US business bank account.

Stripe's verification system checks your routing number and account ownership in real time. If you don't have a US bank account tied to your EIN, Stripe flags your application as incomplete and rejects it within 6 hours. Do not skip the bank account step, even if you're in a hurry. Step one, get your EIN from the IRS.

If you used Bastion Formations to form your LLC, they handle EIN registration as part of the $249 Wyoming package or $349 Delaware package. The IRS issues your EIN within 48 hours using the online portal. You'll receive a PDF letter with your 9-digit number. Save that file because Stripe asks for it during on boarding.

Without an EIN, you can't open a bank account or verify your LLC identity. Step two, open a US business bank account. Mercury Relay and Brex all accept non- US founders with a US LLC and EIN. Upload your EIN letter, LLC formation documents, and a passport scan.

Approval takes two to five business days. Once approved, you'll get a routing number and account number. This is important. Stripe uses these numbers to verify your LLC is real and operational, not just a paper entity.

Here's the problem. If you apply to Stripe without a US bank account, you'll get stuck in verification limbo for 14 to 21 days. Stripe support team will ask you to resubmit documents three or four times, and each round adds another week. During that time, you can't process payments.

You lose customer trust and competitors take your sales. Don't gamble with your launch timeline. Step three, apply to Stripe using your LLC details. Go to stripe.

com/register. Select United States as your business country and enter your LLC legal name exactly as it appears on your formation documents. Use your registered agent address from Bastion Formations. They provide this for $99 per year with mail scanning.

Enter your EIN, bank routing number, and account number. Stripe will send two micro deposits to your account within 24 hours, usually under $1 each. Log into your bank, find the exact amounts, then confirm them in Stripe's dashboard. Verification completes in 48 hours after you confirm the deposits.

When Stripe asks for your business address, use this exact format. Your LLC legal name, Cara Bastian Formations registered agent, the Wyoming or Delaware Street address from your formation certificate. Then the city, state, and zip. Example, your company LLC care of Bastion Formations 123, Main Street, Cheyenne, Wyoming 82001.

Copy that format word for word because mismatched addresses trigger manual review and add 7 days to approval. Get your EIN from the IRS in 48 hours. Open a US bank account before applying to Stripe. Confirm micro deposits within 24 hours to finish verification.

If this helped, smash like, hit subscribe, and visit bastion at bastion. com to start your LLC today. Visit https/bastion information. com.