Starter
$129+ state fees
For founders who want a clean US LLC filed without extras.
- US LLC filing (state fee separate)
- No EIN included — self-file with the IRS, or add for $49
- Guided founder intake
- Order tracking
- Document checklist
For Ghanaian founders
Form a US LLC from Ghana and keep your revenue in dollars.
Bank of Ghana rules require remittance inflows to be settled in cedis and converted the same day. Stripe covers Ghana only through Paystack. A Wyoming LLC with an EIN changes where your money lands first.
No charge until secure checkout. State fees shown before payment.
Same-day
Mandatory cedi conversion
BoG rule on remittance settlement
Extended network
Stripe in Ghana
Paystack — not a Stripe account
No treaty
US–Ghana tax treaty
Ghana is absent from the IRS treaty index
Why Ghanaian founders need a US LLC
The challenges of building globally from Ghana.
Remittance inflows must convert to cedis the same day
The Bank of Ghana has directed that remittance settlements be made in Ghana cedis through designated settlement accounts at universal banks, with foreign currency inflows converted to cedis on the same day at exchange rate benchmarks the central bank prescribes. You do not get to decide when to convert, or at what rate.
The January 2026 IMTO rules tightened the channel further
Bank of Ghana's new framework for International Money Transfer Operators restricts them strictly to inward, person-to-person remittance, and prohibits outbound transfers, forex trading and investment services unless expressly authorised. Payment providers including Paystack have held funds while adapting to the new requirements — worth knowing before you route business revenue through that channel.
Stripe's Ghana coverage is Paystack, not Stripe
Stripe's own availability page lists Ghana under extended network, which means Paystack. It is a real product and a useful one, but it is not Stripe: no Stripe Billing, no Checkout, no Connect, and not the global card coverage an international SaaS business is designed around.
There is no US–Ghana tax treaty
Ghana does not appear on the IRS list of countries with a US income tax treaty in force, which affects withholding on US-source income. It is a concrete reason to get cross-border tax advice rather than assuming your position matches a founder in a treaty country.
The solution
What a US LLC gives Ghanaian founders.
1
Revenue lands in dollars and stays there
With a US LLC and a US business account, international revenue arrives in dollars — outside the same-day cedi conversion that applies to remittance inflows into Ghana. You decide when and whether to convert.
2
Stripe proper, not the extended network
Stripe supports US businesses holding an EIN through ordinary self-serve signup, with the full product surface. A Wyoming LLC with an EIN is the standard route Ghanaian founders use to reach it.
3
US banking is open to Ghanaian founders
We read Mercury's prohibited-countries page directly in July 2026 and Ghana is not on it. Payoneer serves Ghana. That is a better position than founders in several nearby markets face — but check each provider's own page, since these lists change without notice.
Accra has a fast-growing base of developers, agencies and product companies selling into the US and UK, and the constraint is unusually explicit here: the central bank has stated that remittance inflows convert to cedis the same day at a prescribed rate. For a founder whose customers pay in dollars and whose costs are partly in dollars, that removes control over the currency their own revenue sits in.
Pricing
Packages built for Ghanaian founders.
One-time service fee. State filing fees are separate and shown at checkout.
Most popular
Growth
$249+ state fees
Most popular for founders who need everything to run correctly from day one.
- Everything in Starter
- EIN included — unlocks Stripe & US banking
- Registered Agent (1 year)
- Operating Agreement template
- Wyoming or Delaware recommended
Complete
$499+ state fees
For founders who want full setup, compliance monitoring, and priority support.
- Everything in Growth
- Annual compliance monitoring
- Compliance task reminders
- Priority founder support
- Business banking guidance
FAQ
Questions from Ghanaian founders.
Specific answers for founders forming a US LLC from Ghana.
View full pricing →Can I just use Paystack instead of forming a US company?
For selling to Ghanaian customers, Paystack is a good answer. For selling internationally it is a different product from Stripe — Stripe lists Ghana under extended network, which routes to Paystack rather than giving you a Stripe account. If your pricing page depends on Stripe Billing, Checkout or Connect, a Ghanaian entity will not get you there.
Do the new Bank of Ghana remittance rules affect my business revenue?
The January 2026 IMTO guidelines govern inward person-to-person remittance and require settlement in cedis with same-day conversion. Business revenue through other channels sits under different rules, but the direction of travel is clear and providers have already held funds while adapting. This is a question worth putting to a Ghanaian financial adviser about your specific flow rather than relying on a general answer.
Can a Ghanaian resident own a US LLC?
We found no prohibition on Ghanaian residents owning foreign companies, and forming a US LLC from Ghana is common practice. What we could not verify from an authoritative source is whether a specific declaration or approval duty attaches to that holding under Ghanaian exchange control. We would rather tell you that plainly than invent a reassuring answer — check with a Ghanaian adviser before you form.
Which US banks accept Ghanaian founders?
Ghana is not on Mercury's prohibited-countries list as of July 2026, read directly from their page, and Payoneer serves Ghana. Provider policies change without notice, so verify on the provider's own site before you rely on this — including on ours.
How long does formation take?
Wyoming typically processes filings in one to three business days after submission. The EIN follows by fax or mail, since the IRS online tool is not available to applicants based outside the US.
Do I need to understand US legal paperwork?
No. RazorFile keeps the process plain-language and organised so you know what is needed, what is paid, and what happens next at every stage of your order.
What is a Registered Agent and do I need one?
A Registered Agent is required for every US LLC, regardless of where you live. They receive official government and legal correspondence on your company's behalf at a physical address in your formation state. RazorFile provides this service.
Going deeper on Ghana
Provider-by-provider detail, checked against each company's own published country list rather than a competitor's summary.
US banking
Which US banks actually accept Ghanaian founders?
Ghana is absent from Mercury's prohibited list, unlike Nigeria. Here is what a Ghanaian founder with a US LLC can actually open.
Verified 2026-07-28
Tax position
How is a US LLC taxed for a Ghanaian founder?
Ghana has no US income tax treaty. Here is what that means for a Ghanaian founder with a US LLC, and the part we could not verify.
Verified 2026-07-28
Stripe access
Is Stripe available in Ghana?
Stripe lists Ghana under extended network — that is Paystack, not a Stripe account. Here is the difference and what a US LLC changes.
Verified 2026-07-28
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Ready to form your US LLC from Ghana?
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