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Module 1 - Hero | Business Banking Setup
Business Banking Setup Service

US & UK Business
Bank Accounts for
Pakistani Founders

We open your US or UK business bank account remotely - no SSN required, no travel, no rejections from missing paperwork.

Built for Pakistani founders, freelancers, and NRPs who need to access Stripe, PayPal, and global payment rails.

Accounts activated in 1-2 weeks. We handle your application end-to-end. Approval depends on the bank's KYC review, and we prepare your file to maximize success.

Already have your LLC? Skip to banking
No SSN Required Non-resident friendly
1-2 Week Activation End-to-end managed
Stripe & PayPal Ready Global payment rails
Fully Remote No travel needed
Module 2 - Problem Statement | Business Banking Setup

You Have the Business.
You Cannot Get Paid.

Pakistani banks cannot connect to Stripe. PayPal is restricted. International wire transfers get blocked or caught in delays. If your clients are in the US, UK, or anywhere outside Pakistan, getting paid is harder than it should be - and it has nothing to do with the quality of your work.

A Structural Problem

This is not a personal failure

The payment infrastructure in Pakistan was not built for founders working with global clients. Without a US or UK business account, your revenue is sitting on the wrong side of a wall - even when your clients are ready and willing to pay.

Here is what that actually looks like for a lot of Pakistani founders right now:

Think about a Pakistani freelancer billing $5,000 a month to a US client. Without a US business account, that money sits inaccessible or gets eaten by conversion fees and transfer limits. The work is done. The invoice is sent. But the payment rails are broken.

Stripe is officially unavailable in Pakistan
No local workaround exists. Pakistani businesses simply cannot access Stripe's payment infrastructure directly.
PayPal personal accounts cannot scale
PayPal personal accounts cannot handle business payments at scale - limited withdrawals, flagged accounts, and blocked transfers.
Freelancers and agencies lose clients
Agency owners lose clients who simply cannot pay through local gateways - no matter how good the work is.
DIY fintech setup rejects incomplete applications
Setting up Mercury or Relay on your own requires an EIN, the right documents, and a KYC process that rejects incomplete applications - often without telling you exactly why.
1-2
Weeks to account activation
0
SSN required for non-residents
6+
Banking partners for non-residents
100%
Remote - no travel required

We have solved this for founders exactly like you.

Here is how Xpezia gets your US or UK business account open - without the rejections.

Here is how
Module 3 - Service Overview | Business Banking Setup
What We Handle

One Partner. From Company Formation to a Live Business Bank Account.

Xpezia manages your entire US LLC or UK LTD banking setup remotely - from EIN application to fintech onboarding to account activation - so you can focus on your business, not fighting paperwork.

Generic guides and DIY fintech applications treat everyone the same. Xpezia prepares a KYC-optimized file for your specific situation as a Pakistani non-resident. Every document is reviewed against the bank's current requirements before anything is submitted. That preparation is what separates a smooth approval from a rejection that follows your entity around.

Here is what we handle for you - all of it.

Entity-Linked EIN Application

We obtain your Tax ID number from the IRS without requiring a US Social Security Number. The EIN is what makes non-resident banking possible - and getting it wrong delays everything downstream.

Fintech Bank Onboarding

We prepare and submit your application to Mercury, Relay, Wise Business, Tide, Revolut Business, or WorldFirst - whichever fits your business model and goals. We make that selection with you, not for you.

Documentation Compliance

Every document in your file is matched to the bank's current KYC requirements before submission. We do not send incomplete files and hope for the best.

Need to form your LLC first?

We offer full US LLC formation and UK LTD incorporation as part of our bundled service - entity formation, EIN, and business banking in one package.

See our company formation service
KYC-Optimized
Files prepared per bank's 2026 requirements
1-2 Weeks
From inquiry to active account
100% Remote
No travel or physical presence needed
No SSN Required
Non-resident pathway for Pakistani founders

Ready to get your business bank account open?

Module 4 - Banking Partners | Business Banking Setup
Banking Partners

Banking Partners We Support for Non-Resident Founders

Not every bank works the same way for non-residents. Some are better for eCommerce. Some handle multi-currency better. Some have stricter KYC than others. Here is a breakdown of the platforms we work with and who each one suits best.

Not sure which bank fits your business?

We assess your entity type, revenue model, and risk profile and recommend the right partner before submission. Book a free 15-minute call and we will tell you exactly which account to target.

For a deeper look at each platform, check out our detailed bank guides.

View detailed bank guides
Module 5 - Documentation & Eligibility | Business Banking Setup
Documentation & Eligibility

What You Need to Get Started -
Documentation & Eligibility

One of the most common questions we hear is: "Do I even qualify for this?" The short answer is yes - if you have a registered US LLC or UK LTD, you are eligible. Here is exactly what we collect from you for each type of account.

You qualify if you have a registered US LLC or UK LTD. Pakistani residents and NRPs are eligible through the non-resident fintech pathway - no US SSN, no US visa, and no physical presence required.

US Banking

What We Need From You

Valid passport (non-US)
Your current, unexpired passport as primary identity document
US LLC Articles of Organization
Your official state-issued LLC formation document
EIN (Employer Identification Number)
Xpezia can obtain this for you - no SSN required via the IRS fax pathway
US Virtual Address
Xpezia can provide or recommend one - required for all US banking applications
US Virtual Phone Number
Required by some banks for two-factor authentication during onboarding
Operating Agreement
Recommended for compliance - strengthens your KYC file significantly

UK Banking

What We Need From You

Valid passport
Your current, unexpired passport for identity verification
UK LTD Certificate of Incorporation
Your Companies House registration certificate for the LTD company
Proof of registered UK address
Xpezia can provide or recommend this - required for all UK banking applications
Director identity verification
Fully digital with most fintech partners - no physical appointment needed
Most UK fintech banks - including Tide, Revolut Business, and WorldFirst - support non-UK directors through a fully remote process.

You do not need a US SSN, a US visa, or physical presence in the US or UK to qualify. Pakistani residents and NRPs are eligible through the non-resident fintech pathway. Missing any of these? Xpezia can arrange EIN applications, virtual addresses, and document preparation as part of your package. Nothing on this list should stop you from getting started.

Find out exactly what you need - free, no commitment

Module 6 - 5-Step Process | Business Banking Setup
The Process

Your Path from Inquiry to
Active Business Account - In 5 Steps

A lot of people hold off because the process feels unclear. It is not. Here is exactly what happens after you reach out to Xpezia - step by step, with a realistic timeline.

Day 1

Step 1 - Free Assessment Call

We review your entity status, business model, and banking goals. We tell you which banking partner fits your situation and what we need from you to get started. This call takes 15 minutes.

Days 1-3

Step 2 - Document Collection

You send us your passport, LLC or LTD documents, and any existing EIN. That is your part. We handle everything from here.

Days 3-7

Step 3 - EIN Application (if needed)

We prepare and submit your SS-4 form to the IRS and obtain your EIN through fax confirmation. No SSN required. This step typically takes 3-7 days.

Days 5-10

Step 4 - Bank Application Preparation and Submission

We build your KYC file based on the specific bank's current requirements and submit your application. Nothing goes to the bank until we are confident the file is complete and compliant.

Days 10-14

Step 5 - Account Activation and Integration Support

Your account is approved and activated. We walk you through linking Stripe, PayPal, or any other payment integration you need. You are live.

1-2
Weeks from start
to live account
15min
Free assessment
call to get started
3-7
Days for EIN
application

Most clients have an active business bank account within 1-2 weeks of starting the process.

Module 7 - What Changes After | Business Banking Setup
After Activation

What Changes After
Your Account Is Live

Getting the account open is one thing. What it actually enables is the bigger story. Here is what shifts once your US or UK business account is active.

Accept Stripe payments from any country

A Stripe-connected US LLC account lets you receive client payments globally - even from Pakistan. This alone is the reason most Pakistani founders go through this process.

Stop losing money on currency conversion

Receive USD or GBP directly into your business account. No more routing money through Pakistan's local banking system and losing a percentage on every transfer.

Invoice like a global company

A legitimate US or UK business account with a routing number changes how clients see you. You can send professional invoices and get paid the same way any US or UK business does.

Scale eCommerce without limits

Amazon, Shopify, and Etsy all require a local business account for payouts. A US LLC with a Mercury or Relay account unlocks those payout channels.

Build financial infrastructure for the long term

Your US or UK account is the foundation for SaaS subscriptions, ad spend on Google or Meta, investor payments, and eventually business credit. It is not just a bank account - it is your access point to global financial systems.

Stay compliant as KYC rules tighten in 2026

A properly set up account with correct, consistent documentation protects you from sudden closures that happen to accounts opened with shortcuts. Compliance is not a formality - it is protection.

It is not just a bank account - it is your access point to global financial systems

In 2026, KYC rejections at one institution can flag your entity across fintech networks. First-time accuracy matters more than ever. A properly structured account from the start is not just convenient - it determines your entity's long-term standing.

Ready to unlock all of this for your business?

Have questions? WhatsApp Us
Module 8 - DIY vs Xpezia | Business Banking Setup
The Real Comparison

DIY Banking Setup vs
Xpezia's Managed Service

Some people prefer to handle things themselves. That is completely reasonable. But it is worth knowing what DIY actually involves before deciding - especially in 2026, when KYC standards are stricter than they were two years ago.

What's Involved
DIY
With Xpezia Managed Service
EIN Application
Slow
Figure out the SS-4 form yourself, 4-8 week postal wait
Fast
Expert-prepared SS-4, fax confirmation, 3-7 days
Bank Selection
Guesswork
Research which banks accept non-residents on your own
Expert match
Matched to your entity type and business model
KYC Preparation
Risky
Submit documents without knowing the bank's internal checklist
Optimized
Compliance-optimized file prepared per bank's 2026 requirements
Rejection Risk
High
Incomplete applications are increasingly rejected
Minimized
Files are prepared to match KYC criteria before submission
Stripe Integration
On your own
Research and troubleshoot on your own after activation
Guided
Guided integration support after account activation
Your Time
20-40 hours
20-40 hours of research and follow-up across the process
Under 2 hours
Under 2 hours across 2 weeks - we handle everything else
Outcome
Uncertain
Account activated within 1-2 weeks

DIY is possible. But a rejected application at Mercury or Relay can flag your entity and make future applications harder to approve. In 2026's stricter KYC environment, getting it right the first time is not just convenient - it matters for your entity's long-term standing across fintech networks.

Let us handle it from start to finish

Module 9 - Pricing | Business Banking Setup
Pricing

Simple, Transparent Pricing -
No Hidden Fees

Pricing is straightforward. No hidden fees, no surprise charges midway through. Government fees like IRS EIN processing and state filing costs are separate and always disclosed before you commit to anything.

Tier 1

Banking Setup Only

For founders who already have their LLC or LTD and EIN in place.

$199
Banking setup
service fee
What is included
Bank selection based on your entity and business model
KYC file preparation and review
Application submission
Activation support and Stripe/PayPal integration guidance
Most Popular
Tier 2

EIN + Banking Bundle

For founders who have their entity registered but still need their EIN.

$299
EIN + Banking
bundle fee
What is included
Everything in Tier 1
IRS SS-4 preparation and submission
EIN obtained via fax confirmation - no SSN required
Tier 3

Full Formation + Banking Bundle

For founders who need everything from the ground up.

$449
Full bundle
service fee
What is included
Everything in Tier 2
US LLC formation or UK LTD incorporation
Registered agent service
Full banking setup through to account activation
See what is included in the LLC formation

We prepare your application to meet the bank's published and unpublished KYC criteria. Final approval is the bank's decision. Our clients have a strong track record of first-time approval.

Module 10 - Testimonials | Business Banking Setup
Real Outcomes

Pakistani Founders Who Now
Accept Global Payments

These are real outcomes from founders who were in the same position you are in right now - stuck at the banking stage, with clients ready to pay and no way to receive the money.

"I had my Mercury account active within 10 days. Stripe was connected the same week. I went from zero international payment capability to billing US clients within two weeks."

A.R.
SaaS Founder
Karachi

"I had tried to open a Wise account myself twice and kept getting stuck on the KYC part. Xpezia sorted it in under two weeks. Now I receive USD directly into my US account."

F.M.
Digital Agency Owner
Lahore

"What I did not expect was how smooth the EIN process was. I thought it would take months. It took six days. Banking was set up the following week."

S.K.
eCommerce Seller
Dubai (NRP)

Join them - Start your banking setup today

Founders across Pakistan and the diaspora have used Xpezia to get their US and UK accounts live. You are next.

Module 11 - Who This Is Built For | Business Banking Setup
Who This Is For

Who This Service
Is Built For

This service was built around one specific problem: Pakistani founders and NRPs who cannot access global payment systems because of where they are based. Here is how that problem shows up across different business types.

Freelancers and Consultants

Receive USD payments from US clients via Stripe or ACH without running into local bank restrictions. No more losing work because a client cannot pay through local gateways.

eCommerce Sellers

Connect your US LLC to Amazon, Shopify, or Etsy payouts. Run ad spend on a US-issued card. Operate your online store the way it was designed to operate.

SaaS and Digital Product Founders

Accept subscription payments globally through a Stripe-connected US business account. Your recurring revenue should not depend on where you live.

Non-Resident Pakistanis (NRPs)

Maintain a compliant US or UK business account while living abroad. If your situation involves NRP tax filings, your banking setup can be structured to align with those requirements from the start.

Agency Owners

Invoice international clients with a legitimate US bank account and routing number. Get paid the same way your competitors in the US do.

Import and Export Businesses

Use WorldFirst or Wise Business for multi-currency trade settlements. Move money across borders without excessive conversion losses or transfer delays.

WhatsApp Us
Module 12 - FAQ & Objections | Business Banking Setup
Frequently Asked Questions

Frequently Asked
Questions

Everything you need to know before getting started.

Common Concerns

We Know What You Are Thinking -
Here Are the Answers

Most people have at least one reason they are holding back. These are the most common ones we hear - and honest answers to each.

"This seems too expensive for something I could do myself."
DIY is possible - but the cost of getting it wrong is higher than the service fee. A rejected application at Mercury or Relay can flag your entity and make future applications harder to approve. In 2026's stricter KYC environment, preparing your file correctly the first time is not a luxury - it is the difference between an active account and a blocked entity.
"What if the bank rejects my application anyway?"
We do not guarantee approval - no one can, because the final decision belongs to the bank's KYC team. What we do is prepare the most compliant, complete application possible for your entity type. If an application faces issues, we work with you on the path forward - whether that means a different institution, additional documentation, or both.
"I do not have my LLC yet. Is it too early to think about banking?"
No - it is actually the right time to be thinking about it. Banking requirements should inform your formation decisions. We offer a bundled Formation + EIN + Banking package so your entity is built for banking approval from the start, not retrofitted for it later.
"I am worried about the tax and compliance side of this."
Business banking setup does not create US tax obligations on its own. Your EIN is used for banking identification. For long-term planning - especially if you are an NRP linking your EIN to an ITIN - we recommend speaking with a cross-border tax advisor. Xpezia focuses on the structural setup and will point you to the right resources for tax guidance.
"Can I trust an online service with my company documents?"
Xpezia operates under strict document handling protocols. Your information is used solely for your banking application and is never shared with third parties beyond the financial institution you are applying to. We are happy to share our privacy policy and data handling practices before you begin.

Our Commitment to You

We cannot control what the bank decides - that is always their call. What we can control is the quality of your application file, and that is exactly what we guarantee.

Your application will be submitted with a complete, KYC-optimized documentation package
If we identify document issues that could cause rejection, we resolve them before submission - not after
If not submitted within agreed timeline due to our error, you receive a service credit
If rejected due to documentation issues we missed, we resubmit at no additional charge

What we do not guarantee is final bank approval. That sits outside any service provider's control, and any provider who tells you otherwise is not being straight with you.

Module 13 - Final CTA | Business Banking Setup
Start Today - Accounts Active in 1-2 Weeks

Your US or UK Business Account Is 2 Weeks Away

We handle the EIN, the documentation, the KYC file, and the bank onboarding. You get an active business account - and with it, access to Stripe, global payment rails, and the international banking infrastructure your business needs to grow.

No SSN required
Non-resident friendly
1-2 week activation
Stripe & PayPal ready
100% remote
1-2
Weeks from inquiry
to active account
6+
Banking partners
for non-residents
0
SSN required
to qualify
Have questions before getting started? Message us directly on WhatsApp - we reply fast.
WhatsApp Us Now

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