Banking
Stripe payouts internationally: timing, fees, and currency considerations
Stripe payouts to non-resident-owned LLCs can route through US bank or international wire. Timing and fees differ significantly.
US-bank payout flow
Stripe payouts to your Mercury, Relay, or Wise Business US account: free of charge, 2 business days. This is the standard and most cost-efficient flow.
Once funds are in your US LLC bank account, you can hold USD, convert to home currency via Wise (lowest FX margin), or wire to home-country accounts.
International payout flow
Stripe can payout directly to non-US bank accounts in some countries. Fee: typically $25-50 per payout plus FX margin. Timing: 3-5 business days.
Generally inferior to US bank account intermediate. Use international payouts only when no US bank account is available.
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