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Epitychia
Cross-Border · Mexico
Cross-border · Mexico → United States

US payment rails
for Mexican exporters.

Wyoming LLC, US office address, US merchant processing, and in-house cross-border settlement to your bank in Mexico. Built for Mexican manufacturers, nearshoring operators, and direct-to-consumer brands scaling into the US market — operated end to end by one party. No introductions, no hand-offs, no spread to a third-party specialist.

You manufacture or operate in Mexico. Your customers are in the United States. You want USD pricing, US payment rails (cards and ACH), and settlement back to your bank in Mexico in MXN. That is not a checkout decision. It is a stack: legal entity, tax ID, business address, banking, merchant processing, FX, and the compliance posture that keeps the whole thing running. We assemble the stack and operate it with you, in-house, end to end.

Why this matters now

Three structural shifts in the last 36 months made this a different conversation. First, nearshoring brought billions of dollars of manufacturing capacity from China to Mexico — and with it, Mexican operators who suddenly have US B2B customers paying in USD and need a US payment rail to receive that volume cleanly. Second, US acquirers tightened underwriting on foreign-owned LLCs after a wave of merchant abuse, raising the bar to place a Mexican-owned operating entity into US processing. Third, Stripe and PayPal moved aggressively on foreign-owner risk: terminations without warning, funds held for months, and reinstatement rates that should worry anyone running real volume.

The opening is real for Mexican operators who want durable US payment rails. It is not open through generic incorporation services or aggregator processors. It is open through one operator who holds the banks, operates the processing, and runs the FX corridor in-house. That is us. One operator, one set of rails, one phone number when something needs attention.

What you actually need

The stack has six components. Skip any one and the system breaks at the worst time.

  1. A US legal entity. Wyoming LLC is the standard answer for a Mexican-owned operating company. Delaware is the right answer only if you plan to raise US venture capital. California, Texas, or Arizona may be appropriate if you have physical presence requirements. In 85% of Mexican client engagements, the answer is Wyoming.
  2. An EIN (federal tax ID). Non-residents can obtain an EIN without an SSN. We file the SS-4 by fax with the appropriate non-resident handling — 2–4 weeks instead of the 10–14 weeks mail filing takes for foreign owners.
  3. A real US business address. Not a mailbox service. Underwriters cross-reference addresses against known mail-forwarding services, and a flagged address is a declined application. We use real Class-A coworking spaces in Wyoming or Texas with physical mail handling and phone — what the underwriting requires.
  4. A US business bank account. We open this in-house through our own banking partners. No aggregators, no third-party intermediaries that can freeze your operating capital with one risk-team flag. The account is in your LLC's name, you are the signer, the onboarding clears non-resident KYC the first time.
  5. A US merchant processing account. We are the processor. We underwrite you on our own rails, place you in the program that matches your vertical, structure the descriptor, and stay on the line through go-live. No acquirer hand-off, no third party in the middle of your settlement.
  6. A cross-border settlement corridor. Our payment system accepts USD on the front end, converts on the back end, and settles to your bank in Mexico in MXN — or holds USD if you prefer. The corridor is in-house. No intermediary specialist takes a spread. One operator, accept to settle.

Why Wyoming specifically

Wyoming is the best US state for Mexican-owned operating LLCs that do not need physical US presence. Five reasons:

  • No state income tax, no franchise tax. Annual maintenance is approximately $60 per year. California is $800 minimum regardless of revenue. Delaware is $300+. Texas LLCs pay franchise tax above $1.23M revenue.
  • Strong member privacy. Wyoming does not require member names on the public record. Only the registered agent appears. Matters for owners who do not want personal details public.
  • Banking acceptance. Our in-house banking partners have explicit non-resident-owned Wyoming-LLC onboarding flows that clear Mexican KYC documentation without friction.
  • No SSN required for filing. Wyoming accepts the EIN as the tax-identification field. Most Mexican owners do not have ITINs and never need one.
  • Easy dissolution. If your strategy changes, Wyoming LLCs wind down cleanly in 30–60 days at minimal cost.

The package — what we deliver

  • Wyoming LLC formation through a registered agent in our network. Articles, operating agreement, EIN, member documentation.
  • US business address in Wyoming or Texas — real Class-A coworking with physical mail handling, phone, address verification.
  • US business bank account opened through our in-house banking channel. You sign; we handle the rest.
  • Merchant processing on our own rails. Underwriting, placement, descriptor, chargeback prevention, MCC alignment — all in-house.
  • Cross-border settlement corridor. USD in, MXN (or USD-held) out to your home bank. One operator from accept to settle.
  • Compliance pre-flight. MCC selection, descriptor language, chargeback protocol, refund policy alignment, sanctions screening.
  • Tax-structure introduction. US-Mexico cross-border tax specialist in our network for ongoing federal and state filings.

Verticals we handle

  • Nutraceuticals and supplements — including structure-function claims and continuity-billing models.
  • Manufactured goods — furniture, hardware, automotive parts, industrial supplies for nearshoring operations.
  • Beauty and cosmetics — clean beauty, color cosmetics, premium skincare.
  • Apparel and fashion — including private-label and DTC brands.
  • Food and beverage — specialty foods, coffee, mezcal/spirits (where compliant), CPG.
  • B2B exports — commercial card volume, ACH origination, supplier portals.
  • Higher-risk categories — kratom, CBD, peptides, adult-adjacent SaaS — placement available with specialized acquirers.

The nearshoring stack — different conversation

If you are running a nearshoring operation — Mexican manufacturing winning US B2B contracts post-USMCA, post-China tariff realignment, post-supply-chain reshuffling — the package is structurally similar but the merchant account underwriting and the FX corridor are tuned differently.

  • Commercial card volume needs Level 2 / Level 3 enrichment. Recovering 30–80 basis points on commercial card interchange requires the right gateway configuration and the right acquirer setup. We do this as part of the onboarding for nearshoring clients.
  • ACH origination is the larger lever. US B2B buyers prefer ACH for anything above $10K per invoice. We structure NACHA-compliant ACH origination as part of the package, with appropriate originator agreements.
  • Settlement timing matters more. Mexican manufacturing operations running supplier payments in MXN need predictable USD-to-MXN settlement on T+1 / T+2 — not the variable T+3 / T+5 most processors quote.

Timeline and pricing

Engagement: 4–8 weeks from signed engagement letter to first live transaction. Setup fees: USD $4,000 to $12,000 depending on complexity. Ongoing processing rates meet or beat Stripe's published rates — durability is the upgrade, not the cost.

Week 1: Pre-screening questionnaire → 45-minute strategy call → engagement letter signed.
Week 2–3: Wyoming LLC + EIN + US address + US banking.
Week 3–5: Merchant account underwriting and placement; cross-border corridor activated.
Week 5–8: Gateway integration, descriptor finalization, soft launch.
Ongoing: Volume monitoring, chargeback management, optimization.

You stay in Mexico. We handle every US-side touchpoint, in-house, end to end.

Common questions · Mexico → US

Direct answers from operators who place this stack weekly.

Do I need to be physically in the United States to set this up?
No. The Wyoming LLC, EIN, US business address, banking, and merchant processing placement can all be completed from Mexico City, Guadalajara, Monterrey, or anywhere else. We have Mexican operators running US processing through this exact structure without travel. The owner stays in Mexico; we handle the US-side stack end to end.
Can I keep my Mexican bank as the final settlement destination?
Yes. Our payment system accepts USD on the front end, converts on the back end, and settles to your bank in Mexico in MXN — or holds USD if you prefer that for FX exposure management. We operate the corridor in-house. No third-party FX specialist takes a spread. You see one set of fees, one settlement timeline, one operator accountable for everything from accept to settle.
How does USMCA factor into this?
USMCA (the trade agreement that replaced NAFTA in 2020) does not directly govern payment processing, but it does create predictable cross-border commerce rules between Mexico, the US, and Canada that make Mexican-owned US operating entities easier to underwrite. Acquirers view Mexican exporters with established cross-border commerce as lower-risk than purely offshore operators, particularly in manufactured goods and nutraceuticals. We factor this into the underwriting narrative when we apply.
Why a Wyoming LLC instead of forming directly in California, Texas, or Arizona?
Border-state LLCs (CA, TX, AZ) carry state-level franchise taxes and reporting requirements that a Wyoming LLC avoids. California in particular charges an $800 annual minimum franchise tax regardless of revenue and requires public disclosure of members. Wyoming has no state income tax, no franchise tax, member-name privacy, and $60 annual maintenance. For a Mexican-owned operating company that does not need physical California presence for trade-show or office reasons, Wyoming is materially cheaper and cleaner. We can form in Texas or Arizona if your business specifically requires it (warehouse, employees, physical retail).
How long does the full setup take?
Four to eight weeks, end to end. Wyoming LLC formation: 1–3 business days. EIN for a non-resident applicant: 2–4 weeks. US business address: 1 week. US banking onboarding through our in-house channel: 1–2 weeks in parallel. Merchant processing underwriting and placement: 2–4 weeks. Most engagements process their first live transaction within 6 weeks of signing the engagement letter.
How much does it cost?
Setup engagement: USD $4,000 to $12,000 depending on complexity (vertical risk, multi-entity, custom settlement requirements). Ongoing processing rates meet or beat what Stripe publishes for US-resident-owned businesses — we are not the premium-priced option, we are the durable one. Mexican-owned operators typically save 80–200 basis points versus the elevated rates aggregators quote them, because we underwrite the operator, not the passport. Full pricing model shared on the strategy call after we see the questionnaire.
I already sell on Amazon US and Mercado Libre. Do I need this?
If 100% of your US revenue is through Amazon, you can repatriate via Amazon's payout structure (with the FX hit Amazon takes on the conversion). Most established Mexican brands selling on Amazon also want direct-to-consumer through Shopify or BigCommerce — to capture customer data, build brand equity, and reduce platform dependency. The moment you go direct, you need US merchant processing in your own name. Our package supports the hybrid model: Amazon FBA stays where it is, direct-to-consumer gets its own US payment rail under your Wyoming LLC. Common configuration for the operators we onboard.
Why not just use Stripe Mexico?
Stripe Mexico processes MXN-denominated transactions for Mexican-domiciled businesses selling to Mexican customers. That is a useful product but a different product. If you are selling to US customers in USD and want to capture the consumer base, brand authority, and pricing flexibility of US-domestic positioning, you need a US-domiciled entity and US merchant processing. Stripe US for foreign-owned LLCs is the same instability we cover in the China page: terminations without warning, funds held 90–180 days, reinstatement rare. Our processing is underwritten by humans, durable through volume spikes, and priced at or below Stripe.
What about IVA and US sales tax — who handles compliance?
Sales tax compliance is a separate workstream from payments. We route to a US sales-tax specialist (typically TaxJar, Avalara, or a CPA in our network) during setup so registrations and filings are in place before your first US transaction. IVA (Mexican VAT) on your Mexican operating entity is independent of the US LLC and stays with your Mexican accountant. The US LLC is a separate tax animal: if it operates as a disregarded entity (default for single-member foreign-owned LLCs), there is no entity-level US income tax, but Form 5472 must be filed annually to report transactions between you and the LLC. Our network includes a US-Mexico cross-border tax specialist who handles this for our clients on an ongoing basis.
My business is in a higher-risk vertical — supplements, kratom, peptides, CBD. Can you still place me?
Usually, yes. High-risk processing is a specific subset of acquirers and a specific underwriting posture, not a euphemism for "we will charge you 8%." We place supplement brands with structure-function claims, nutraceuticals, kratom, CBD-derivative products, and continuity-billing models regularly. The economics differ — reserve requirements (typically 5–10% rolling for 6 months), category-specific rates, mandatory chargeback prevention tooling — but the rails are durable and the volume runs cleanly. If your specific category does not fit our book, we tell you before the engagement starts.
I am part of a nearshoring expansion — Mexican manufacturing operation that just won US contracts. What changes?
Nearshoring brings B2B card and ACH volume into a Mexican-owned LLC. The package is the same (Wyoming LLC, EIN, US address, US banking, merchant processing, settlement corridor) but the merchant account underwriting is different. B2B card volume qualifies for commercial-card interchange optimization (Level 2 / Level 3 enrichment) which recovers 30–80 basis points on commercial card transactions. ACH origination volume needs an NACHA-compliant origination relationship — we structure that as part of the package for nearshoring clients. The setup engagement is at the upper end of our range ($8K–12K) but the recurring savings on commercial volume make it back inside the first 90 days for most operators.
What does the engagement actually look like week by week?
Week 1: pre-screening questionnaire → 45-minute strategy call → engagement letter signed. Week 2: Wyoming LLC formed, EIN application filed, US address activated, in-house banking onboarding initiated. Week 3: banking live, merchant account underwriting package assembled and submitted on our internal rails. Week 4: merchant account placed, cross-border settlement corridor activated — USD in, MXN out to your home bank. Week 5: gateway integration, descriptor finalization, soft launch with a controlled volume cap. Week 6 onward: scale-up, monitoring, ongoing optimization. You stay in Mexico. We handle every US-side touchpoint, in-house, end to end.
Engagement · Mexico → US

Tell us about your operation.

A short pre-screening — your vertical, your volume, your home bank, your timeline. We respond within one business day with a clear next step.

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