u/talkingtoshadow

Hey fam,

I’m a non-US founder running a Delaware LLC. I already have:

• EIN
• ITIN
• Mercury bank account
• US virtual business address from Stable

I’m in the SEO / digital marketing industry, which I understand is considered high-risk.

I need a payment processor that can handle:

• Card payments
• Apple Pay
• Google Pay

The problem is that almost every processor I apply to either:

• rejects me immediately because I’m not a US resident/citizen, or
• asks for a US residential address + proof of residence

I fully understand KYC/compliance requirements, but it feels almost impossible for a legitimate non-US founder to get approved even with a properly formed US company and tax IDs.

Has anyone here successfully solved this as a non-US founder in a higher-risk industry?

Would really appreciate recommendations for:

• high-risk friendly processors
• processors that work with non-US owners
• aggregators or merchant accounts
• anything compatible with Apple Pay / Google Pay

Would also love to hear what finally worked for you if you were in a similar situation.

Thanks.

I recently received my ITIN and I’m trying to set up US payment processing properly as a non-US resident.

The issue I’m facing is that the processor I’m applying with requires a real US residential address supported by documents like:

• Utility bills
• Lease agreement

They are specifically rejecting:

• Virtual mailbox addresses
• Registered agent addresses

I’m trying to understand what legitimate options non-US residents usually use in this situation.

Has anyone here successfully dealt with this before?
Any advice or recommendations would be appreciated.