Banking and Payments

The reason is rarely the business. The file reaches a compliance desk in the wrong order, from the wrong jurisdiction, or missing the one document that institution reads first. We handle the full chain, structured for your jurisdiction, your industry and your volume.

An EIN is the number the US tax authority issues to your company. It is what lets the entity open accounts, be underwritten and be paid.

It is not a licence, a residency, a visa or a tax position. What you owe, and where, depends on your structure, your residency and where the work is performed. Tax Consulting

We draft the application and match the entity name and responsible party details to your state filing word for word, submit it through the route open to foreign applicants, follow it until the number is issued, and deliver the confirmation letter to you in writing. The same file then carries straight into your bank and merchant applications.

Available on its own, or as the first step of a banking engagement.

Banking and Payments

Most declines trace back to a handful of small mismatches between the application and the company's own records. None of them is hard to fix. All of them are easy to miss, and a second attempt filed in the dark creates problems of its own.

We check for each of them before anything is submitted. One application, filed once, tracked to issuance.

An ITIN identifies you personally when you are not eligible for a Social Security number. Not every founder needs one: it matters once you have a personal US filing obligation or income subject to US reporting. We tell you at the outset.

When it does, we coordinate the application through a Certifying Acceptance Agent, so your passport is verified without sending the original. An ITIN is for tax identification only: not a work permit, a residency or a Social Security number, which no provider can obtain for you.

With it issued, the bank application can be submitted and merchant underwriting can begin. We file it as the opening step of the engagement and carry the same file through to a live account. One conversation establishes what your structure needs and in what order.

What a functioning international business needs is a structure: a primary operating account, a second relationship in another institution, a processor that settles into both, and where relevant, a digital asset on ramp the banks will accept. We design the structure first and open the accounts in the order that makes each application stronger than the last.

What they find is a company with a registered address and nothing behind it, typically a registered agent's office or a forwarding service shared with hundreds of other entities and flagged in the databases compliance teams check. An institution cannot keep an account for a company it cannot place anywhere. The account is frozen, and the client has a few weeks to withdraw the balance and start over, now with a closure on record.

We build the file for that second review, not the first: a genuine operating address, documentation in the company's name, and evidence that holds up when a person examines it. It is the difference between an account that opens and an account that stays open.

It starts with your profile and your activity, read the way a compliance desk will read them. From that reading we build the application, the supporting documentation and the business description, all describing the same company, and match the file to the institution currently onboarding profiles like yours. The application goes in once, with the questions that come back handled.

When the account opens, the work continues. Periodic reviews and information requests are answered as they arrive, so the account that opened stays open. Timelines depend on the institution and the file, both are discussed plainly in the first conversation, and the engagement fee is quoted after the assessment.

Most closures are about fit: the entity, the bank, the website and the declared activity do not line up, and a review ends the relationship. That is structural, and structure can be rebuilt. Some activity sits outside a mainstream platform's policy altogether, and we say so in the first conversation.

Merchant of Record underwriting takes around 3 days on a complete file. Standard and payout accounts vary by platform. Rates, reserves and settlement terms are set by the acquirer and shown in writing before you commit.

Institutions decide against acceptance policies written long before your file arrived. Most declines mean the file read badly against one of them, and the letter never says which. A smaller number are not about the file at all: the activity sits outside what that platform carries, and the answer is a different kind of processor, not a better application.

Either way the clock matters now. A file rejected twice is harder to place than one never submitted, which is why the next application has to be the right one. Payment Processing