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Stripe doesn't take Ecuadorian businesses. A US company can apply for US Stripe; ask about the CFC rules and the remittance tax first.
From Ecuador · The Americas
For Ecuadorian founders who need Stripe, sell into the US as a US vendor or raise from US investors. Stripe doesn't take Ecuadorian businesses, so a US company is a common route, and Mercury serves founders living here. Ecuador uses the dollar, but money sent abroad still pays 5%, so read that section first.
Launch + Wyoming filing; the tax return is separate.Checked by Saais Patel, compliance reviewer.
At a glance
Mercury takes applications from founders living in Ecuador. Wise gives no USD account details there.
The banks, in detailYou can form a US company while living in Ecuador, without an SSN or a US visit, and founders here can apply to Mercury, which decides each application. Wise gives no USD account details to them. Launch starts at $351.40 in Wyoming, including our plan and state filing fee. Stripe doesn't take Ecuadorian businesses, so a US company is a common route to it. The Ecuadorian points: money sent abroad pays 5%, the CFC rules reach a low-taxed company you own, and work done here can be taxed here.
Before you form
Wyoming LLC
Owner-run business with US Stripe, after advice.
Delaware C-Corp
Raising from US investors.
Both charges are the state's, before our plan, optional services and your advisers' fees. Wyoming sets a minimum yearly charge, and Delaware's franchise tax depends on how it's calculated. Staff, stock or premises in another state can bring obligations there. An S-corporation isn't an option, because nonresident aliens can't hold its shares.
Prepare the information
You don't need an Ecuadorian company to form a US company. The EIN is the US company's tax ID. Send identity documents through a secure request, and only the ones asked for.
How it works
The state approves the company, the IRS issues the EIN and each provider approves its own account. In Ecuador, your tax adviser handles the SRI; we don't file there.
You and your tax adviser
Decide whether you need a US company at all, how the CFC rules treat it, and what the remittance tax costs you.
You leave this stage with: A structure and tax plan that fits Ecuador's rules.
You choose; BaseAcross checks
We check the proposed name and provide the registered agent in the formation state. The registered office is for legal papers, not your operating address.
You leave this stage with: Confirmed filing details and a registered agent.
BaseAcross files; the state approves
We submit the formation filing and send you the state's documents once it's approved. The company exists from that approval.
You leave this stage with: State-approved formation documents.
BaseAcross
We draft the LLC Operating Agreement or corporate bylaws. Check every name and share against your passport before you sign.
You leave this stage with: Operating documents for your records, your bank and US providers.
BaseAcross prepares; the IRS issues
The EIN is a separate application after formation. Without an SSN or ITIN, it goes on Form SS-4 rather than the IRS's online tool.
You leave this stage with: The IRS's EIN confirmation once it's issued.
You apply; the providers review
Start with Mercury, which serves founders living in Ecuador. Wise gives no USD account details there. Use the same names, addresses and business description everywhere.
You leave this stage with: An approved account, if a provider accepts the application.
You, your US preparer and your tax adviser
Keep the company's books, a record of where the work is done, and every transfer abroad. Put Form 5472 and your Ecuadorian return on one calendar.
You leave this stage with: A yearly calendar with someone responsible for each filing.
Plan the wait
Published service estimates and prerequisites for a Wyoming company from Ecuador
These are service estimates, not promised completion dates. The IRS and each provider set their own processing times. Names or addresses that differ between documents slow every stage.
What it costs
Charged in US dollars, with the Wyoming state fee passed on at cost. Where you live changes which bank we introduce you to, not the price.
What a Wyoming LLC costs from Ecuador, line by line, and what to budget for outside our plans.
Included in both plans
The registered agent renews with the plan. Operate adds its published business tools and bookkeeping. Neither plan files your tax returns in either country.
Launch
To start, before optional extras
$351.40
OperateBilled yearly
To start, before optional extras
$2,490.40
Optional extras are priced before you order, such as filing ahead of our next batch for $39. See full pricing.
$149 service fee / year
Optional on both plans. The state's charge is separate, and a reminder alone doesn't file the report.
State filing serviceArrange separately
You or your accountant handle Form 5472 and any other US returns on Launch and Operate. Ask the preparer for their scope and fee.
Federal filing responsibilitiesQuote from your tax adviser
The CFC rules, the remittance tax and any permanent establishment depend on your circumstances.
Published in full pricing
Check domain renewals and when Launch's email, phone and site trials end. Operate includes its stated tools while subscribed.
Plans, trials and add-onsThe $309 Launch renewal example is the $249 plan renewal plus Wyoming's $60 minimum license tax. Wyoming charges the greater of that minimum or 0.0002 of the company's assets located and employed in the state, and paying online can add a processor fee. The Operate example uses the same minimum.
Prices are in US dollars. Paying from Ecuador by card, check whether the remittance tax applies to the payment.
Use the first-year cost calculator to compare plans and optional tools. Then add your tax adviser's fees, US return preparation and the remittance tax to that budget.
Launch
To start
$351.40
$249 our fee + $102.40 Wyoming fee
Renews from $309 a year
OperateBilled yearly
To start
$2,490.40
$2,388 our fee + $102.40 Wyoming fee
Renews from $2,448 a year
Included in both plans
What changes because you live here
1 of 4: The tax treaty
The tax treaty
There's no US–Ecuador income tax treaty.
US-source dividends, interest and royalties paid to you are withheld at 30% unless a US exemption applies. Pay for work you do in Ecuador generally isn't US-source income, so nothing is withheld on it.
How Ecuador sees it
The permanent establishment rule, the CFC rules, the remittance tax and the rates come from PwC's summary. They run alongside the US steps below.
You, at 25% or more
A CFC since 2024; some income goes on your return.
The company, with your tax adviser
A permanent establishment, taxed at 25%.
Worked example
This is an illustration, not a quote. Which income the CFC rules attribute, and when the remittance tax exempts a transfer, are for your tax adviser.
You send US$10,000 from your Ecuadorian bank to fund your new Wyoming LLC. The remittance tax at 5% is US$500.
The LLC makes US$80,000 of profit from work you do in Quito. A fixed place here can be a permanent establishment, taxed at 25%: US$20,000.
The LLC pays no US tax, so it's below the 15% line, and the CFC rules can put some of its income on your return.
Ecuador uses the US dollar, so the example is in dollars.
What Ecuador expects
Ecuador taxes residents on income from abroad, has CFC rules since 2024, and charges 5% on money transferred abroad.
Ecuador goes by incorporation, but a foreign company with a place or fixed centre here, where it develops all or part of its activities, has a permanent establishment. Corporate tax is generally 25%.
Since 1 January 2024, a foreign company with an Ecuadorian-resident owner of 25% or more, taxed below 15%, is a CFC. Some of its income goes on the owner's return.
Ecuador's remittance tax takes 5% of money transferred abroad, including from foreign bank accounts. The 5% rate came back on 1 April 2024.
Residents are taxed on income generated abroad too, at progressive rates up to 37% in 2026. A temporary residency regime since 2024 taxes some new residents on Ecuadorian income only, for five years.
You're resident after more than 183 days here in a fiscal year, or in 12 months across two.
On the record
We form US companies. We aren't Ecuadorian tax advisers. These are the rules as they're generally published, they change, and how they apply to you depends on details this page can't know. Take this list to a tax adviser in Ecuador before you order, and we'll tell you what the US forms need.
After formation
A US LLC with one foreign owner is usually a disregarded entity that files Form 5472 with a pro forma Form 1120 when it has reportable transactions with you. Money you put in, take out or are paid for your work can count even in a year without sales. The IRS penalty for not filing starts at $25,000.
For a calendar-year company, the return is usually due 15 April, and Form 7004 requests an extension before then. A C-Corp, or an LLC with more than one owner, files different returns.
Form 5472 and the pro forma 1120Keep the registered agent active and track the state's yearly charge. In Ecuador, declare income from abroad and any CFC income, and keep records of money sent abroad for the remittance tax.
US-created companies are exempt from BOI reporting under FinCEN's current rule, effective 14 August 2026. Banks and payment providers still verify who owns the company.
| Task | Who handles it | Where the responsibility ends |
|---|---|---|
| Formation and EIN application | BaseAcross prepares and submits | The state approves formation; the IRS issues the EIN. |
| Bank and payment applications | You, with our guidance | The provider verifies the information and decides. |
| Ecuadorian returns and the remittance tax | You and your tax adviser | We provide the US company records they need. |
| Annual state filing | You, or our optional filing service | Reminders are included; managed filing and the state charge are separate. |
| US federal returns | You and your US tax preparer | Launch and Operate remind you; they don't file the return. |
Prepare the conversation
Bring the owners, where each lives, the operating agreement, where the work will be done and the business activity. Each question is also in Spanish.
Download the checklist for your tax adviser (.txt)Does working from Ecuador give my US LLC a permanent establishment here, taxed at 25%?
¿Trabajar desde Ecuador le da a mi LLC estadounidense un establecimiento permanente aquí, gravado al 25 %?
Is my US LLC a CFC under the 2024 rules, and which of its income is attributed to me?
¿Mi LLC estadounidense es una sociedad extranjera controlada según las reglas de 2024, y qué rentas se me atribuyen?
When does the 5% remittance tax apply to money I send to or from the US company?
¿Cuándo se aplica el ISD del 5 % al dinero que envío a la empresa estadounidense o desde ella?
Do I qualify for the temporary tax residency regime?
¿Califico para el régimen de residencia fiscal temporal?
How are dividends from the US company taxed, and how do I declare them?
¿Cómo tributan los dividendos de la empresa estadounidense y cómo los declaro?
How does Ecuador class my US LLC: as a company or as transparent?
¿Cómo califica Ecuador a mi LLC estadounidense: como sociedad o como entidad transparente?
How should I keep records for the US return and my Ecuadorian return?
¿Cómo debo llevar los registros para la declaración en Estados Unidos y mi declaración ante el SRI?
Questions
If yours is not here, email us at hello@baseacross.com before you order.
Yes. US law doesn't require an LLC's owners to be US citizens or residents, and formation, the EIN and the bank applications all happen remotely. The Ecuadorian questions are the CFC rules, the remittance tax and where the work is done.
Not for free. Ecuador's remittance tax takes 5% of money transferred abroad, including from foreign bank accounts, and the 5% rate came back on 1 April 2024. Using the same currency saves the exchange, not the tax.
It can. Ecuador goes by incorporation, but a foreign company with a place or fixed centre here, where it develops its activities, has a permanent establishment. Corporate tax is generally 25%.
They can. Since 1 January 2024, a foreign company with an Ecuadorian-resident owner of 25% or more, taxed below 15%, is a CFC, and some of its income goes on your return. An LLC that pays no US tax of its own would be below 15%.
As part of your income. Residents are taxed on income generated abroad too, at progressive rates up to 37% in 2026, with a credit for tax paid abroad.
Since January 2024, some people without previous Ecuadorian tax residence pay tax only on Ecuadorian-source income, for five years. Whether you qualify is for your tax adviser.
Launch starts at $351.40: $249 for the plan plus $102.40 for the Wyoming filing. The plan and Wyoming's minimum yearly charge then total $309 a year. Your tax adviser's fees, US return preparation and Ecuadorian filings are separate. Wyoming's license tax can be more than its $60 minimum.
A Wyoming LLC suits an owner-run business that needs Stripe or sells to US customers, once you know how the CFC rules treat it. A Delaware C-Corp suits raising from US investors. Nonresident aliens can't hold shares in an S-corporation.
Yes. Without an SSN or ITIN, the application goes on Form SS-4 instead of the IRS's online tool. We prepare it after the company is formed, and the IRS issues the number.
Each stage has its own clock. Wyoming's published turnaround is same day once a complete filing is accepted. Our ordinary EIN estimate is six to eight weeks after the application, or two to three weeks with the $199 expedited option. Banks, payment providers and Stripe each set their own review times. These are estimates, not promises.
Usually you can apply. Ecuador isn't on Mercury's list of countries it doesn't serve, and the list goes by where you live. Mercury still reviews each company and can decline.
Not for USD account details. Ecuador isn't on Wise's list of places where people can hold money, so Wise gives none to founders living here. Mercury is the one to check first.
For Stripe itself, usually yes. Stripe doesn't list Ecuador among the countries it supports. A US LLC with an EIN and a US bank account can apply for a US Stripe account, and Stripe can decline.
Generally not. Pay for work you do in Ecuador is generally not US-source income, so a US company with no US office or staff often owes no US income tax on it. A single-owner LLC still files Form 5472 with a pro forma Form 1120 when it has reportable transactions with you.
No. There's no US–Ecuador income tax treaty in force. US-source dividends, interest and royalties paid to you are withheld at 30% unless a US exemption applies.
On Launch and Operate, we add deadlines and reminders; you or your accountant file the federal returns. Managed annual state compliance is an optional $149 service fee a year, with the state's charge separate. Your Ecuadorian returns are for you and your tax adviser.
US-created companies are exempt under FinCEN's current BOI rule, effective 14 August 2026. A company formed outside the US and registered to do business there is a different case. Banks still collect ownership details for their own checks.
Sources and editorial scope
Prepared by the BaseAcross team and reviewed by Saais Patel, compliance reviewer. Sources checked . This is general formation information, with source links for the tax and banking context. An individual tax or legal review remains with your qualified advisers.
The permanent establishment rule, the CFC rules, the remittance tax, the rates and residence come from PwC's Worldwide Tax Summaries. Confirm the current position with your tax adviser before acting.
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