What this area covers: payment rails in the US
Payment rails is one of 6 parts of our “Banking & Treasury” practice. It covers the full cycle from initial scoping to operational launch, run by a single named partner from our US practice.
What it is in the US: SEPA · ACH · FPS · SWIFT integration.
How we handle payment rails
The “Payment rails” project in the US is structured as a 4-stage process run by a single named partner.
Corporate account opening — the step where most providers fail. Direct bank relationships and KYC packs built to each institution's real requirements. Multi-currency treasury and payment rails.
The same desk that runs payment rails handles your banking, bookkeeping, compliance and — where needed — your wind-down.INNOVA · Operating model
Why the United States
The largest market, deep capital, a choice of state (Delaware, Wyoming, Florida), and a straightforward registration process. We use it for operating companies, reaching US investors, and structures built for venture funding.
A reliable regulatory environment
Banking ecosystem
Corporate tax 21% federal + state taxes
INNOVA represented on the ground
Why INNOVA
Operational differences that hold up on the 2nd, 5th and 10th project — not just at first impression.
One partner — the whole cycle
Registration, banking, tax, compliance, immigration — run by one team from start to finish.
14 years of practice
Working since 2012 through several regulatory cycles — including FATCA/CRS, the tightening of banking, and the introduction of UAE CT.
Regulator-grade documentation
Every output document is ready for audit and investor scrutiny — whatever the size of the deal.
Multi-jurisdiction within the group
Cross-border work is handled inside the group — no chain of external subcontractors.
How the work is structured
A 4-stage process led by a single named partner — from the intro call to the operational hand-over.
Bank selection
Matching the bank to the business profile and risk level
KYC pack
Beneficial owners, source of funds and operating model
Bank onboarding
Compliance review on the bank's side and account opening
Activation
Funding, user access and FX setup
What we need from you · what you get from us
What we need from you to begin — and what you walk away with. We won't pester you with needless questions: we already have most of the answers.
- Certified corporate documentsfrom incorporation
- Beneficial-owner KYCall UBOs
- Source of funds and wealthdocumented
- Business plan / activity description2–4 pages
- Expected transaction volumesstated
- Counterparty listwhere volumes are material
- Corporate bank account(s)opened
- Multi-currency walletsto project scope
- FX-desk access + ratesagreed
- Payment-rail credentialswhere applicable
- Treasury-policy templateprepared
- Named bank-manager introductionpersonal
Four ways to work together
We don't quote a fixed price without understanding your situation — cost depends on the complexity of your case. Start with an initial call, then we pick the right format.
Intro call
A 30-minute online consultation. We discuss your situation, define the project scope, and propose a structure and timeline.
Written analysis
A written consultation with a full review of the business — tax positioning, structure options, jurisdiction comparison, banking path. Turnaround: 5 business days.
Operating roadmap
For complex situations — multi-jurisdiction structures, regulated activity, founder relocation. A full plan with stages, dependencies, deliverables and timing.
Direct execution
You know what you need — we execute. No advisory mark-up and no discovery phase.
Fill in the questionnaire
Complete the online questionnaire: it creates your account on the portal, where your structure, renewal reminders and documents will live.
Fill in the questionnaire
4 steps · creates an INNOVA portal account · 24h review.
Once you submit the questionnaire we create a portal account. Inside: your live structure, a renewals calendar (annual returns, register updates, tax filings), a document vault (certificates, share register, bank letters), a partner chat and project status. A single place for your entire operational life.
From a client
A review from a client who went through a comparable project. Verified, the engagement is ongoing.
Frequently asked questions
The questions we're asked most often. If yours isn't here, an intro call is the fastest way to get an answer.
Most “Payment rails” projects in the United States run 4–9 weeks start to finish. The fastest stage is document filing; the longest is post-registration onboarding (banking, tax registration). A single named partner runs the project throughout.
From US$ 2,800 · depends on the bank. The lower bound is for clean, standard profiles; the upper bound is for complex ownership structures, multi-jurisdiction projects or regulated activity. A fixed quote follows a 30-minute scoping call.
In most cases, no. The entire process runs remotely under a notarised power of attorney. A handful of jurisdictions require an in-person visit (typically biometrics for a residence permit) — we plan those as efficiently as possible.
A non-resident opens an account for a US company three ways: (1) Mercury — fully online, no minimum balance, EIN-based onboarding, built for tech startups; (2) Relay Financial — a similar remote process; (3) Chase or Bank of America — an in-person branch visit with passport, company documents, and EIN. Mercury is the fastest: the account often opens within 1–3 days of EIN receipt.
Yes. Mercury is the most-used banking option for international founders running a US LLC or C-Corp. You need the EIN, Certificate of Formation/Incorporation, Operating Agreement or Bylaws, and a passport — no SSN, no ITIN. Mercury gives you a US routing and account number, a debit Visa, and free wires, domestic and international. Funds are FDIC-insured through partner banks under a sweep program — up to $5M.
A US bank routing number (ABA routing number) is a 9-digit code identifying the financial institution for wire transfers, ACH payments, and check processing. There's no working around it: US clients, marketplaces (Amazon, Stripe, PayPal), and payroll providers pay only into a US account with a valid routing number. Otherwise — delays, higher FX fees, and effective lockout from US payment infrastructure.
MSB, VASP, crypto, gaming, high-volume e-commerce — these are exactly the profiles we work with most often. We don't approach ordinary retail banks; we match each profile to a bank with genuine appetite for the sector.
Yes, and for any operating business we recommend it — a primary bank plus a backup. Applications are filed sequentially so each KYC is approved without friction.
Payment rails in other countries
The same service — in every jurisdiction we run. One desk, one standard.
