Stripe is one of the most popular payment processors in the world—but it’s not officially available in Morocco. So how can Moroccan entrepreneurs access Stripe’s powerful tools to accept payments from clients worldwide? The answer is simple: create a U.S. LLC, get an EIN, open a U.S. bank account, and apply for Stripe USA. This guide will show you exactly how to do it—legally and efficiently.
Why Stripe Doesn’t Support Morocco (Yet)
Stripe’s availability is based on financial regulations and banking partnerships. Since Moroccan banks don’t meet Stripe’s compliance framework, Stripe doesn’t offer local support. However, Stripe USA allows foreign founders to open accounts if they have a valid U.S. company and bank account.
Who Can Use Stripe USA?
Stripe allows non-U.S. residents to use its U.S. platform if they meet these conditions:
- Own a U.S.-based LLC or C Corp
- Have a valid EIN from the IRS
- Hold a U.S. business bank account
- Provide a phone number and mailing address (can be virtual)
More from Stripe’s documentation here:
🔗 Stripe – International Support
Step-by-Step: How to Get Stripe as a Moroccan
Step 1: Form a U.S. LLC
You can form an LLC in Wyoming, Delaware, or New Mexico. Wyoming is often best for non-residents due to no state tax and strong privacy laws.
Start your LLC remotely with Legal Flow. All you need is a passport.
Step 2: Get an EIN (Employer Identification Number)
This is your company’s tax ID, required to open a bank account and register for Stripe.
Apply via IRS Form SS-4, or use a formation service to get it faster.
🔗 IRS EIN Application Info
Step 3: Open a U.S. Business Bank Account
Fintech banks like Mercury or Relay allow remote setup using your EIN and LLC documents. These banks are accepted by Stripe.
Step 4: Apply for Stripe USA
Once you have your LLC, EIN, and bank account:
- Go to dashboard.stripe.com/register
- Choose United States as your business location
- Use your LLC’s name and EIN
- Enter your U.S. bank account details
- Provide your Moroccan passport as ID
- Use your registered agent’s U.S. address (if needed)
Step 5: Verify and Launch
Stripe may take 1–3 days to review your application. Once approved, you can:
- Accept credit/debit card payments globally
- Use checkout links, subscriptions, or integrations with Shopify, WordPress, or Kajabi
- Get paid directly into your U.S. bank account
Can You Withdraw Money to Morocco?
Yes. Once funds land in your U.S. business bank account, you can:
- Use Wise or Payoneer to send money to your Moroccan bank
- Use your U.S. debit card internationally
- Pay suppliers and freelancers online
Is It Legal?
Absolutely. Many Moroccan entrepreneurs use this method to run online agencies, SaaS startups, coaching businesses, and e-commerce brands. Just make sure to:
- File U.S. annual tax forms for your LLC (e.g., Form 5472)
🔗 IRS – Form 5472 for Foreign-Owned LLCs - Keep clean accounting records
- Use your LLC for actual business purposes
Why Use Legal Flow?
At Legal Flow, we specialize in helping Moroccan founders:
- Create U.S. LLCs fully online
- Obtain EINs even without SSNs
- Open business accounts accepted by Stripe
- Stay compliant with U.S. tax laws
👉 Start your U.S. LLC today at Legal Flow and get Stripe access in less than 10 days.