Can a non-US founder open a Mercury account with a Florida LLC?

Yes. Mercury explicitly supports foreign founders with a US LLC. You need the Florida formation document (the Articles of Organization), the IRS EIN letter, a non-US passport for identity, and a US business address. No US SSN or residency is required.

Does forming in Florida affect Mercury eligibility?

No. Mercury accepts LLCs from all US states and territories. The formation document name varies by state, and Florida issues Articles of Organization; Mercury accepts it the same as any other state's.

I do not live in Florida. Can I still use a Florida LLC on Mercury?

Mercury does not check where you live, only that the Florida entity is validly registered and that the details you enter match Florida's record. The catch is not Mercury, it is the state you actually operate from: states require an out-of-state LLC to register as a foreign LLC before it transacts business there, which is a second filing and a second fee on top of Florida's $125. Forming in Florida while working somewhere else usually means paying both states, not one.

Do I need a Florida sales-tax permit before my first sale through Mercury?

Probably yes. Florida charges a 6% state rate, and payments taken through Mercury are not covered by marketplace-facilitator laws, so you collect and remit yourself. Register before your first taxable sale if you have physical presence in Florida, or once you cross its remote-seller threshold of $100,000 in sales in the previous calendar year.

Marketplace Verification

How to pass Mercury verification with a Florida LLC

What Mercury asks for at signup, and which Florida LLC documents satisfy each requirement.

By Edmond Hui · Last updated: August 4, 2026

Edmond Hui · Founder, MyStateLLC

Edmond Hui is a software engineer and serial entrepreneur based in New York who has founded multiple online businesses across e-commerce, media, and information publishing. Before transitioning into tech, he spent years as a commercial real estate professional closing deals totaling over 100,000 square feet, giving him firsthand experience with business formation and entity structuring. He built MyStateLLC to provide the free, state-specific LLC guidance he wished existed when forming his own companies.

A Florida LLC is generally eligible for Mercury verification — you will need to provide your Articles of Organization, EIN, beneficial-owner ID, and a valid US business address. Nothing about forming in Florida blocks approval, and nothing about it guarantees approval either: the final call is Mercury's.

Mercury is a fintech banking platform whose deposits are held at FDIC-member partner banks (currently Choice Financial Group and Column N.A., Members FDIC), making it popular with startups and small businesses including those with non-US founders. To open a Mercury account for a Florida LLC, you must provide the company's formation document (in Florida, the Articles of Organization), an IRS-issued EIN confirmation, a government ID for the beneficial owner(s), and a physical US address. Mercury supports all US-state LLC types and is commonly used by foreign founders who have formed a US LLC, since it does not require founders to be US citizens or residents.

In Florida the entity behind that check is an LLC created by filing Articles of Organization, which costs $125. Florida does not publish a processing time for LLC filings, so treat state approval as the open-ended step in your timeline rather than the Mercury review. Because Florida names a member or manager on a routine public filing, the owner name Mercury asks you to confirm is already a matter of public record.

Not legal advice: Verification requirements change, and so do Florida's filing fees and forms. Confirm current platform rules with Mercury, and current filing rules with the Florida filing office, before you file. Mercury's requirements were last reviewed 2026-07-21, and Florida's figures on this page come from its own published schedule.

What Mercury requires, and how a Florida LLC meets each

Requirement	How your Florida LLC satisfies it
LLC formation documents	Upload the Articles of Organization Florida returned to you, stamped and approved.
IRS EIN confirmation letter	Provide your federal EIN (free from the IRS; non-US founders without an SSN must apply via Form SS-4 by fax or phone rather than the online tool) — independent of Florida.
Government-issued ID for owner(s)	Provide a government ID for each beneficial owner named in your Florida filings. Florida names a member or manager on a routine public filing, so at least one name already matches state records.
US business address	Use a US street address registered to the LLC in Florida (your Florida registered-agent or virtual business address), since a PO box is usually rejected.

Florida-specific things to watch

Florida names a member or manager on a routine public filing, so Mercury's beneficial-owner check will line up with public state records — you still upload a government ID for each owner. (An authorized person signs the Articles, and the annual report lists managers/authorized members on Sunbiz, so management is a public record.)
Mercury payouts flow through to your personal return, and Florida won't tax them under a personal income tax: Florida levies no personal income tax.

Florida sales tax & nexus rules for Mercury sellers

Florida charges a 6% state sales-tax rate. Payments through Mercury are not covered by marketplace-facilitator laws — you collect and remit yourself. Registration is required before your first taxable sale if you have physical presence in Florida (an in-state location, inventory, or employees), or once you cross Florida's remote-seller economic-nexus threshold of $100,000 in sales in the previous calendar year.

Florida was one of the last major states to enact economic nexus, doing so on July 1, 2021. There is no transaction count threshold — only the $100,000 dollar threshold applies. Florida does not tax most services, making it simpler for consulting and SaaS businesses. The state has no personal income tax, which makes it popular for LLC formation.

How to verify your Florida LLC on Mercury

LLC formation documents. Upload the Articles of Organization Florida returned to you, stamped and approved.
IRS EIN confirmation letter. Provide your federal EIN (free from the IRS; non-US founders without an SSN must apply via Form SS-4 by fax or phone rather than the online tool) — independent of Florida.
Government-issued ID for owner(s). Provide a government ID for each beneficial owner named in your Florida filings. Florida names a member or manager on a routine public filing, so at least one name already matches state records.
US business address. Use a US street address registered to the LLC in Florida (your Florida registered-agent or virtual business address), since a PO box is usually rejected.

Non-US founders with Florida LLCs

Mercury explicitly supports non-US founders who have formed a US LLC, Florida included. A non-US passport is accepted for identity verification. The entity must be formed and registered in the United States, and a US business address is required, which a Florida registered agent address satisfies. No US Social Security Number is needed from the founder.

Frequently Asked Questions

: Yes. Mercury explicitly supports foreign founders with a US LLC. You need the Florida formation document (the Articles of Organization), the IRS EIN letter, a non-US passport for identity, and a US business address. No US SSN or residency is required.
: No. Mercury accepts LLCs from all US states and territories. The formation document name varies by state, and Florida issues Articles of Organization; Mercury accepts it the same as any other state's.
: Florida charges $125 to file Articles of Organization, and that is the state's fee to create the LLC. Florida does not publish a processing time for LLC filings, so treat state approval as the open-ended step in your timeline rather than the Mercury review. Mercury charges nothing for verification itself, so the $125 filing fee and Florida's ongoing obligations are the real cost of getting verified as a Florida entity.
: Mercury does not check where you live, only that the Florida entity is validly registered and that the details you enter match Florida's record. The catch is not Mercury, it is the state you actually operate from: states require an out-of-state LLC to register as a foreign LLC before it transacts business there, which is a second filing and a second fee on top of Florida's $125. Forming in Florida while working somewhere else usually means paying both states, not one.
: Probably yes. Florida charges a 6% state rate, and payments taken through Mercury are not covered by marketplace-facilitator laws, so you collect and remit yourself. Register before your first taxable sale if you have physical presence in Florida, or once you cross its remote-seller threshold of $100,000 in sales in the previous calendar year.