Which US banks actually accept Indonesian founders?
Mercury will not open accounts for founders living in Indonesia — we read that from their own list. Relay does not exclude Indonesia. Here is the full picture before you spend anything.
Provider by provider
Verified July 28, 2026
Indonesia appears on Mercury's published prohibited-countries list, based on founder residence rather than company registration.
Indonesia is not on Relay's prohibited list, and Relay accepts US entities with owners based outside the US. Approval remains discretionary.
Payoneer serves Indonesia for receiving international payments.
We did not confirm Indonesia against Wise's country list directly. Check before relying on it.
Provider country policies change without public notice — Mercury revised its prohibited list in 2024 and has amended it since. Treat this page as a starting point that was accurate on the date shown, then check the provider's own page before you apply. We would rather you verify us than trust us on something this consequential.
The rupiah settlement rule is why you are here
Xendit states in its own help centre that it cannot settle merchants in USD, and the reason is regulatory: Bank Indonesia Regulation 17/3/PBI/2015 mandates rupiah for transactions within Indonesian territory. Combined with Stripe listing Indonesia as preview-only rather than openly available, the payment stack is the constraint — and that is what the LLC addresses.
Losing Mercury is not losing everything
Relay does not list Indonesia as prohibited and accepts US entities with non-US owners, so it is the usual next step. Payoneer serves Indonesia for receiving. Founders in Nigeria and Pakistan face closed doors at Mercury, Relay and Wise simultaneously; Indonesia is not in that position.
The export-proceeds rules probably do not apply to you
You will see the DHE SDA regime cited on formation sites as though it affects every Indonesian exporter. Government Regulation No. 21 of 2026 applies to natural-resource exports, not to software or services. If you are running a SaaS or agency business, it is not your rule.
Worth knowing before you buy
We could not verify whether a specific foreign-asset declaration threshold applies to an Indonesian resident holding a US LLC, or how Indonesia's controlled-foreign-company rules treat an individual member. Rather than invent a threshold, we will say plainly: ask an Indonesian tax adviser before you form.
Common questions
Mercury rejected me. What now?
Relay is the usual next step — Indonesia is not on its prohibited list and it accepts US entities with owners based outside the US. Payoneer serves Indonesia for receiving payments. Approval at any provider remains discretionary.
Is Stripe available in Indonesia?
Only as preview, with a contact-sales link rather than open self-serve signup. In practice you cannot simply register and start charging the way a founder in a fully supported country can. A US LLC with an EIN removes that gate.
Do Indonesia's export rules affect my software business?
The DHE SDA regime applies to natural-resource exporters, not software or services. Some formation sites cite it loosely as if it covers everyone — for a SaaS or agency founder it does not.
Form your US LLC from Indonesia
Wyoming filing, Registered Agent, and EIN guidance. $100 state fee, filed in one to three business days.
RazorFile files companies. We are not a law firm, bank, or tax advisor, and nothing on this page is legal or tax advice.