Mercury, Relay and Brex require a US LLC or corporation with an EIN and each publishes its own restricted-country list. Wise Business and Payoneer onboard far more countries and do not require a US entity, which makes them the usual fallback when a US fintech declines. No provider guarantees approval: residence country, business model, documents and website consistency all decide it. Check restrictions before you pay to form a company, not after.
Pick your residence country to check published restrictions and the requirements you still need to verify. This directory does not predict approval.
How to use this
Confirm at least one banking and one payment route supports your residence and business before forming a company. Being absent from a prohibited-country list only clears one screen; it does not mean the application will be approved.
Bank-style fintechs, multi-currency services and payment processors are different products. Compare safeguarding or deposit protection, receiving features, entity requirements and account-closure risk—not just whether an application form opens.