How a Non-US Business Receives Stripe and Shopify Payouts in USD (2026): Routing-Number Rules Explained
Stripe and Shopify will pay a business outside the US in dollars, but only into an account that fits their payout rules. Your Stripe account, or your Shopify store and plan, has to allow USD payouts to a US bank. The receiving account then needs a nine-digit routing number that takes ACH, and it should accept a debit when refunds outrun sales.
A Dutch online store is a common case. Shopify Payments pays it in euros by default and in dollars only on the Advanced or Shopify Plus plan, while a Stripe account registered in the Netherlands can send USD to a bank in Europe or the US. Either way, the store still needs an account that can receive those dollars.
Slash, a financial platform for businesses, runs the Slash Global Account³. It gives a business abroad a US account and routing number with no US entity, and Stripe, Shopify and Amazon payouts into it are supported uses, subject to eligibility and compliance.
Key Takeaways
- A Stripe account in the Netherlands, the UK or elsewhere in the EU can pay USD out to a US bank, with a 1% fee when funds settle in dollars and a $250 minimum payout.
- Shopify Payments pays a Dutch or UK store in dollars only on the Advanced or Shopify Plus plan, and a UAE store can receive USD only into a UAE bank.
- Stripe requires a payout account that accepts both credits and debits, and Shopify's rules for US stores turn away accounts that take only wires.
- The Slash Global Account gives businesses in over 130 countries a US account and routing number for Stripe, Shopify and Amazon payouts, subject to eligibility and compliance, with the balance held in USDC.
- Payoneer receiving accounts can't be debited, so Stripe marks one invalid after a failed debit, while Airwallex's US-based USD Global Account supports ACH direct debits.
What Do Stripe and Shopify Require Before They Pay Out in USD?
Two things come before the routing number. Your business needs a Stripe or Shopify Payments account at home, and that account has to be able to send dollars to a US bank.
Stripe accounts are opened in the business's primary country. To open one somewhere else, Stripe asks for a legal entity, a tax ID, a physical address and a bank account in that country, so a US Stripe account needs a US-registered business. Pakistan, Bangladesh, Egypt, Türkiye and the Philippines are not on Stripe's list of supported countries, and a US routing number does not change that. Stripe pays out to virtual accounts such as Wise as well as banks, though it warns they can see more failed payouts.
Shopify Payments ties the payout currency to the store's country and plan. In the Netherlands it pays out in euros on every plan. On the Advanced or Shopify Plus plan it can also pay USD to a bank in Europe, the UK or the US, with a Multi-Currency Payout fee set by location and plan. A UAE store can take USD payouts only into a UAE bank. A US store needs a full checking account at a US bank that is eligible for ACH, and Shopify lists wire-only accounts, savings accounts, flex-currency accounts and money transfer services as unsupported.
- A routing number that takes ACH. Stripe's US bank form asks for a nine-digit routing number and an account number, and Shopify's rules for US stores require an ACH-eligible account. Some providers issue one number for ACH and another for wires, so copy the one marked for ACH or domestic transfers.
- An account that can be debited. Stripe says a payout account must support both credit and debit transactions, because it debits the bank when refunds push the balance below zero. Shopify debits the bank account to cover a refund shortfall for stores in the Netherlands, the UK, the US and other listed countries, and a European store paid into a non-euro account has its negative balance cleared from future sales instead.
- The exact business name. A payout carries the beneficiary name, and a name that differs from the account holder's is a common reason a deposit comes back.
- Your country on the provider's list. Each account provider sets its own country list, and its routing number may take ACH in fewer of those countries.
1. Slash: A US Routing Number for Platform Payouts, With No US Entity
The Global Account lets a business abroad hold dollars and move them by ACH, wire and stablecoin⁴. Slash's Global Card FAQ tells customers they can get paid by pointing Stripe, Shopify, Amazon or any platform at the account and routing numbers, and those payouts are supported subject to eligibility and compliance. Slash's region pages list the Netherlands, Brazil, the UAE and Nigeria among the countries it accepts.
What the Global Account Does for a Store Paid by Stripe or Shopify
- One routing number for ACH and wires. The help center describes an ABA routing number for domestic ACH and wire transfers, plus a unique account number.
- Deposits matched to your business name. The beneficiary name has to match the business name on the account exactly, and Slash support traces returned deposits through in-app chat.
- Dollars out by ACH or domestic wire. Pay US suppliers by ACH in one to three business days, or by wire the same or next business day.
- Stablecoin transfers on the same balance. Send and receive USDC and USDT across supported networks, near-instant once confirmed on-chain.
- A card that spends the payouts. The Slash Global Card is a Visa issued through Rain with per-card limits. It takes a separate application, and Rain sets its own country list.
Ethan Chriss, Head of Global Accounts at Slash, describes the problem for a Dutch Shopify store paid out in dollars. "If you're a Dutch e-commerce company and you're operating through Shopify, Shopify does payouts in U.S. dollars," he said. "If you don't have a U.S. dollar-denominated account to do payouts in, that's a problem."
The balance is held in USDC. It is not a bank deposit and is not FDIC insured, Slash does not custody it, and digital-asset transfers can be irreversible.
What It Costs
The Global Account has its own application, separate from Slash's US plans, and the help center lists the documents it needs. Fees vary by transfer method and plan, and converting between stablecoins and dollars carries a 1.5% platform conversion fee.
Ask the sales team what an incoming ACH payout costs at your monthly volume before you compare providers.
2. Stripe's Own Routes: Multi-Currency Settlement at a 1% Fee, in Listed Countries
A seller whose Stripe account is based in a multi-currency settlement location can keep dollars as dollars. Stripe offers it in the UAE, Australia, Switzerland, the EU, the UK, Hong Kong, Liechtenstein, Norway, Singapore and the US. You add a USD bank account in Payout settings, and USD charges settle and pay out to it without conversion. An EU or UK Stripe account can use a USD bank in Europe, the UK or the US. Stripe charges 1% when funds settle in the extra currency, and an EU or UK account pays USD out once the balance reaches $250.
The country rules are narrower outside Europe. An Australian Stripe account can pay USD to a bank in Australia or the US, while accounts in the UAE and Singapore can send USD only to a local bank.
Where Stripe doesn't operate, its own answer is Stripe Atlas, which forms a Delaware C corp or LLC for $500, then charges $100 a year for the registered agent after the first year. For a store that only needs its payouts in dollars, a US company adds a registered agent, US tax filings and a second set of books.
3. Wise Business: USD Account Details, Unavailable in Nigeria, Pakistan and the UAE
Wise's help center explains how to link a Wise account to Stripe, and USD is among the currencies it says work. When refunds or disputes push a Stripe balance negative, Stripe tries a direct debit from the linked Wise account, and Wise notes that this debit won't work for NZD.
Wise's USD account details come with a routing number and an account number, and they take ACH and domestic wires from the US and Swift from abroad. ACH is generally free to receive, with a small fee for businesses based in the Netherlands or Canada, and each incoming wire or Swift payment costs 6.11 USD. ACH usually arrives within hours and can take up to four working days, and receiving limits start from 20 million USD.
The limit is geography. Wise won't issue USD account details to a business whose address is in Nigeria, Pakistan, Bangladesh, Türkiye or the UAE, among other countries, so a store there needs a different account for its dollar payouts.
4. Payoneer: USD Receiving Accounts That Can't Be Debited
Payoneer's receiving accounts give USD details that a platform pays by ACH, and its pricing page lists 1% with a $1.00 minimum for receiving into an account whose currency isn't your local one. An annual account fee of $29.95 applies when the account receives less than $6,000 in any 12 consecutive months.
Debits are the catch for a Stripe store. Payoneer's FAQ says receiving accounts can only receive payments and cannot be debited. When Stripe tries to debit one after refunds outrun sales, the debit fails, Stripe marks the account invalid and asks for new bank details. Payoneer's advice is to avoid a negative Stripe balance, and to request a replacement receiving account if Stripe blocks one.
5. Airwallex: A US-Based USD Account With ACH Debits, in 69 Listed Countries
Airwallex takes businesses registered in 69 listed countries and territories, including Brazil, India, the Netherlands, the Philippines and Vietnam. A business there can open a US-based USD Global Account that receives ACH, Fedwire and SWIFT and can authorize ACH direct debits, the kind Stripe uses to recover a negative balance. FedNow and RTP are also available to eligible customers, subject to approval.
Airwallex tells e-commerce sellers they can use Global Account details for online store payouts from platforms such as Amazon and eBay. It also asks them to check the account's collection capabilities against the store's payout capabilities first, usually with the store's support team.
Coverage is the constraint. Nigeria, Pakistan, the UAE and Türkiye are missing from Airwallex's list and appear on Wise's list of places without USD account details, so neither gives a business there a US routing number.
Side-by-Side Comparison
Provider figures reflect publicly published information as of October 2026 and are subject to change.
How to Choose a USD Account for Stripe and Shopify Payouts
- Check your platform before your bank. Confirm that your Stripe country supports multi-currency settlement, or that your Shopify plan and country allow USD payouts to a US bank. No account fixes a platform that won't pay out in dollars.
- Price the 1% before you settle in USD. A Dutch store settling $30,000 a month in USD pays Stripe 1%, which is $300 a month or $3,600 a year, whichever USD account receives it. Weigh that against what converting to euros would cost you.
- Ask how the account handles a debit. Stripe debits the payout account when refunds outrun sales, Shopify does the same in its listed countries, and Payoneer's receiving accounts refuse those debits. Ask any provider before you link it, and keep a buffer in your Stripe balance if returns are common.
- Confirm the routing number in Pakistan, Bangladesh or Kenya. Slash lists all three countries. The partner country table linked from Slash's help center shows no US ACH or Fedwire for them, so ask what a business there can receive before you apply.
- Copy the details from the dashboard. Paste the routing number, account number and business name exactly as shown, since a typo sends a payout back.
Conclusion
Stripe and Shopify decide first whether your business can be paid in dollars, through Stripe's settlement countries and Shopify's Advanced and Plus plans. The receiving account then needs a routing number that takes ACH and a plan for refunds. Wise withholds USD account details in countries such as Pakistan and Türkiye, Payoneer's receiving accounts can't be debited, and Airwallex accepts businesses from 69 listed countries.
The Slash Global Account reaches countries where Wise and Airwallex both stop, including Nigeria and the UAE. It pairs a US routing number with stablecoin transfers on one USDC balance, and the Slash Global Card spends from it on a separate application.
Talk to the Slash team about receiving Stripe and Shopify payouts into a US account from outside the US.
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FAQs
1. Can I connect the Slash Global Account to Stripe?
Yes. Stripe payouts are a supported use of the Global Account, subject to eligibility and compliance. Your Stripe account has to be one that can pay USD to a US bank, as EU and UK accounts can. Add the routing and account numbers as a USD bank account in Stripe's Payout settings.
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2. Can a Shopify store outside the US get paid into the Slash Global Account?
It can when Shopify allows USD payouts to a US bank for your store, as it does for Dutch and UK stores on the Advanced or Shopify Plus plan. Shopify payouts are a supported use, subject to eligibility and compliance. Add the routing and account numbers as the USD payout account in your Shopify Payments settings.
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3. Which routing number should I give Stripe or Shopify?
Give them the ABA routing number in your Slash dashboard, which the help center describes as the number for domestic ACH and wire transfers. Enter it with your account number and your business name exactly as they appear on the account.
4. Will a business in Pakistan or Bangladesh get a working US routing number?
Not necessarily. Slash's South Asia page lists both countries, but the partner country table linked from its help center shows no US ACH or Fedwire for either, so ask Slash what a business there can receive before applying. Neither country is on Stripe's list of supported countries either.
5. Do I need a US company to receive Stripe payouts in dollars?
Not when your Stripe account is in a multi-currency settlement country such as the Netherlands or the UK, because it can pay USD to a US account like the Slash Global Account. A business that forms a US company can apply for Slash business banking¹ instead.
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