Can a non-US resident open a Stripe US account with an ITIN?

Yes, if the applicant operates a US business. The typical setup is a Delaware or Wyoming LLC with an EIN, a US bank account (Mercury or Relay), a US address, and the owner's ITIN for personal tax filings. Stripe Atlas can incorporate and provision the LLC, EIN, and Stripe account together.

How do I add an ITIN to Stripe?

In the Stripe Dashboard, open Settings → Business details → Tax information. Enter the 9-digit ITIN in the SSN field for sole-proprietor or individual accounts. Save; Stripe validates with the IRS within 1-3 business days. The CP565 letter is not uploaded.

Will Stripe hold payouts if my ITIN is not verified?

Stripe applies payout holds when the tax ID on file cannot be matched to an IRS record. Once the ITIN verifies (1-3 business days after submission), holds related to the tax-ID gap clear. Risk-based holds (new account, sudden volume, dispute pattern) are separate and follow Stripe's risk-review timeline.

What is the difference between ITIN and EIN on Stripe?

ITIN identifies an individual taxpayer; EIN identifies a business entity. Sole proprietors and individual freelancers use ITIN. US LLCs, corporations, and partnerships use EIN. A non-resident with both (ITIN for personal taxes, EIN for the LLC) uses the EIN on Stripe's business profile and the ITIN on the personal 1040-NR return.

Updated June 25, 2026

ITIN for Stripe: Tax Verification for Non-Residents (2026)

Why Does Stripe Need an ITIN?

Stripe is required by the IRS to collect a taxpayer identifier (SSN, ITIN, or EIN) on every US-resident account that processes payments. The tax ID goes on the year-end Form 1099-K issued to the account holder. Until a valid tax ID is on file, Stripe applies payout holds and may withhold 24% backup withholding on new receipts above the IRS reporting threshold.

How Do I Add an ITIN to a Stripe Account?

Open Stripe Dashboard at dashboard.stripe.com.
Go to Settings → Business details → Tax information.
Choose business type. Sole proprietor or individual for personal accounts; LLC, corporation, or partnership for business entities.
Enter ITIN in the SSN field. Stripe accepts the ITIN format (9XX-XX-XXXX) in the SSN field for individual accounts.
Match the name. Legal name must match the CP565 letter exactly.
Save and wait.Stripe validates the ITIN with the IRS in 1-3 business days; verification status updates to "Confirmed."

How Do US LLCs Owned by Non-Residents Set Up Stripe?

The standard setup for non-resident-owned US businesses uses a Delaware or Wyoming LLC plus EIN. The Stripe business profile lists the LLC name, the EIN as the tax ID, and a US bank account (Mercury or Relay) as the payout destination. The owner's ITIN does not appear on the Stripe profile but is used on the LLC owner's personal Form 1040-NR or Schedule C.

For broader business banking, see ITIN bank account guide.

What Does an ITIN Unlock on Stripe?

Lifts payout holds related to missing tax ID
Avoids 24% backup withholding above 1099-K threshold
Year-end 1099-K issued to the ITIN for tax filing
Access to Stripe Connect for marketplace use cases
Higher unverified-volume thresholds before identity escalation

How Does Stripe Compare to PayPal for ITIN Holders?

Stripe is better for on-site checkout (e-commerce, SaaS, marketplaces) and integrates with US LLC bank accounts; PayPal is better for direct invoicing, customer-to-customer payments, and one-off transactions. Most non-resident sellers run both: Stripe for the checkout flow, PayPal for invoicing and gap-filling. See ITIN for PayPal for PayPal-specific setup.

Frequently Asked Questions About Stripe and ITIN

Yes. Stripe accepts an ITIN as the tax ID on US accounts for sole proprietors and individuals. For US LLCs the EIN is the standard tax ID and the owner's ITIN goes on internal IRS filings. Stripe completes ITIN verification with the IRS in 1-3 business days.

Need an ITIN to verify Stripe? Apply with a Certifying Acceptance Agent — $297 flat, ready in 7 days.