Banking and Payments
US Tax ID, Bank Accounts, and Merchant Processing
We open bank accounts and merchant facilities for international companies, including the ones conventional processors decline. We handle the whole chain. US tax ID, bank account, merchant processing, and the work after approval that keeps the account open. Every application is built and matched jurisdiction, your industry and your volume.
Incorporation is the easy part.
Most international businesses stall at the next step. No bank will open the account, no processor will approve the application, and the months pass with a company that exists on paper and cannot take a payment.
The reason is almost never the business. It is that the file arrives in front of a compliance desk in the wrong order, from the wrong jurisdiction, or without the one document that institution requires before it will read the rest. We handle the full chain, from US tax ID to bank account to live processing, structured for your jurisdiction, your industry and your volume.
The Sequence
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No US bank and no US processor will onboard a company without one. Founders with no SSN or ITIN are routinely told this is closed to them. It is not.
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The account that receives settlement has to exist, and be in the right name in the right place, before a merchant application will pass underwriting.
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Conventional underwriting where you qualify for it, specialist placement where you do not, connected to your store and reconciling correctly before your first sale.
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Reserves, dispute ratios and chargeback thresholds are what cost merchants their accounts in month six. This is the part of the engagement that does not end at go live.
Who this is for?
Founders incorporating outside their country of residence. Operators whose existing processor has become unreliable. Businesses that have been declined once and do not want to spend the next decline. Companies whose model is legitimate, profitable and simply does not fit a mainstream underwriting box.
If your business sits outside what we can place, we will tell you in the first conversation rather than after you have paid.
Tell us where you are stuck
Whether you are starting from nothing or holding a decline you do not understand, the first conversation establishes what is realistic before you commit to anything. We will tell you which route your profile actually fits, what it costs, and how long it takes. If we are not the right firm for your situation, you will know that in the first call rather than after an invoice.
Advisory No.9 acts as a coordination service. We are not authorised to practise law or to provide legal, tax, or financial advice, and we are not a bank, a payment institution, or a money transmitter. We do not hold or transmit funds on behalf of clients. Legal filings, regulated work, and account and merchant approvals are performed and decided by independent licensed professionals and institutions. The contents of this website are for informational purposes only, do not constitute advice of any kind, and do not form part of any engagement. The terms of any engagement are set out separately in writing.