Why Your Online Business Needs a U.S. Bank Account (and How to Get One)

If you're running an online business from outside the U.S.—whether you're in Pakistan, India, UAE, or anywhere else—you’ve likely run into one major problem:

Getting paid internationally is difficult without a U.S. bank account.

Platforms like Stripe, PayPal, Amazon, Etsy, Shopify, and even international clients often prefer or require a U.S. bank account to do business. And if you don’t have one, you're missing out on global opportunities.

In this blog, we’ll explain why a U.S. bank account is crucial for your online business and exactly how you can get one remotely, legally, and easily in 2025—even if you're not a U.S. citizen.

💡 Why You Need a U.S. Business Bank Account

Here’s what a U.S. bank account unlocks for your online business:

✅ 1. Access to Stripe & PayPal Business

Both platforms require a U.S. bank account for payouts if you’re using a U.S. entity (LLC). Without one, Stripe will decline or block your application.

✅ 2. Seamless Integration with E-commerce Platforms

Platforms like Shopify, Etsy, Amazon, ClickFunnels, and Facebook Ads integrate smoothly with U.S. bank accounts for payment processing and withdrawals.

✅ 3. Get Paid by U.S. Clients or Companies

If you freelance or run a SaaS/service business, many U.S. clients prefer paying into a local U.S. bank account, which avoids international wire fees or complications.

✅ 4. Business Credibility & Trust

Having a U.S. business bank account builds instant credibility with clients, investors, and platforms. It shows you're serious and legally structured.

✅ 5. Multi-currency Holding & Transfers

Modern digital banks allow you to hold, receive, and send USD globally with low fees, ideal for cross-border entrepreneurs.

🏦 Best U.S. Bank Options for Non-U.S. Residents in 2025

The good news? You don’t need to travel to the U.S. to open a bank account. Thanks to fintech banks, non-resident entrepreneurs can now open business bank accounts 100% remotely.

🔹 Mercury Bank

• Ideal for startups & e-commerce

• No monthly fees or minimum balance

• Works with Stripe, Amazon, PayPal

• Open remotely with a U.S. LLC

• FDIC-insured via Evolve Bank & Trust

🔹 Relay Financial

• Offers virtual cards, ACH & wire transfers

• QuickBooks/Xero integration

• Team-based account permissions

• Great for agencies or growing teams

🔹 Wise (Multi-currency Account)

• Get virtual USD account details

• Receive payments from U.S. clients

• Convert USD to your local currency at low rates

• Works best for freelancers and remote service providers
  

🔐 All the above require a U.S. LLC + EIN + U.S. Address — and TechX Strategies can help you set this up in under 10 days.

🛠️ How to Open a U.S. Bank Account from Pakistan (or Anywhere)

Here’s what you need to open a U.S. business bank account as a non-resident:

📄 Step-by-Step:

1. Form a U.S. LLC (Recommended states: New Mexico, Wyoming)

2. Get an EIN (Employer Identification Number) from the IRS

3. Use a U.S. Business Address (Virtual mailbox is fine)

4. Provide Passport + Basic KYC Info

5. Apply Online to Mercury or Relay

6. Once approved, link to Stripe, Payoneer, or Shopify
   

✅ Time required: 7–10 days ✅ No U.S. visit needed ✅ Fully legal and IRS-compliant

💼 What TechX Can Do for You

At TechX Strategies, we help international entrepreneurs:

• Register their U.S. LLC from Pakistan, India, UAE, or anywhere

• Apply for EIN (even without SSN)

• Set up Mercury, Relay, Wise, or Payoneer accounts

• Enable Stripe, PayPal, Shopify, and Amazon integrations

• Guide you from business formation to your first dollar earned
  

🛡️ Done-for-you packages available — so you can focus on building, not bureaucracy.

🚀 Final Thoughts

A U.S. bank account is no longer a luxury—it’s a necessity for global business success.

Whether you're launching an eCommerce store, offering digital services, or freelancing internationally, having a U.S. business structure and bank account will open doors you never imagined.

📩 Want help getting your U.S. LLC and bank account set up?Contact TechX Strategies for a free consultation and take your online business global — the right way.