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

Yes. Mercury explicitly supports foreign founders with a US LLC. You need the Oregon 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 Oregon affect Mercury eligibility?

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

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

Mercury does not check where you live, only that the Oregon entity is validly registered and that the details you enter match Oregon'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 Oregon's $100. Forming in Oregon while working somewhere else usually means paying both states, not one.

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

No. Oregon levies no statewide sales tax, so there is no Oregon permit to hold before your first sale. Where it stops mattering is the state line: a buyer's state can still tax the order once you cross that state's economic-nexus threshold, and being an Oregon LLC does not exempt you from it.

Marketplace Verification

How to pass Mercury verification with an Oregon LLC

What Mercury asks for at signup, and which Oregon 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 Oregon 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 Oregon 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 Oregon LLC, you must provide the company's formation document (in Oregon, 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 Oregon the entity behind that check is an LLC created by filing Articles of Organization, which costs $100. Oregon 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 Oregon 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 Oregon's filing fees and forms. Confirm current platform rules with Mercury, and current filing rules with the Oregon filing office, before you file. Mercury's requirements were last reviewed 2026-07-21, and Oregon's figures on this page come from its own published schedule.

What Mercury requires, and how a Oregon LLC meets each

Requirement	How your Oregon LLC satisfies it
LLC formation documents	Upload the Articles of Organization Oregon 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 Oregon.
Government-issued ID for owner(s)	Provide a government ID for each beneficial owner named in your Oregon filings. Oregon 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 Oregon (your Oregon registered-agent or virtual business address), since a PO box is usually rejected.

Oregon-specific things to watch

Oregon 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. (Oregon's annual report lists the names, titles, and addresses of all members or managers.)

Sales tax: none in Oregon

Oregon has no statewide sales tax, so there is no Oregon sales-tax registration to complete before you start taking payments through Mercury. That is a Oregon exemption and nothing more: once your sales into another state cross that state's economic-nexus threshold, you owe its tax on those orders no matter that your LLC is a Oregon one.

Oregon has no sales tax and no economic nexus law. You never owe Oregon sales tax regardless of how much you sell there. Oregon's lack of sales tax drives significant cross-border shopping from neighboring Washington and California. However, Oregon does have a Corporate Activity Tax (CAT) on businesses with more than $1M in Oregon gross receipts.

How to verify your Oregon LLC on Mercury

LLC formation documents. Upload the Articles of Organization Oregon 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 Oregon.
Government-issued ID for owner(s). Provide a government ID for each beneficial owner named in your Oregon filings. Oregon 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 Oregon (your Oregon registered-agent or virtual business address), since a PO box is usually rejected.

Non-US founders with Oregon LLCs

Mercury explicitly supports non-US founders who have formed a US LLC, Oregon 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 Oregon 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 Oregon 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 Oregon issues Articles of Organization; Mercury accepts it the same as any other state's.
: Oregon charges $100 to file Articles of Organization, and that is the state's fee to create the LLC. Oregon 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 $100 filing fee and Oregon's ongoing obligations are the real cost of getting verified as a Oregon entity.
: Mercury does not check where you live, only that the Oregon entity is validly registered and that the details you enter match Oregon'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 Oregon's $100. Forming in Oregon while working somewhere else usually means paying both states, not one.
: No. Oregon levies no statewide sales tax, so there is no Oregon permit to hold before your first sale. Where it stops mattering is the state line: a buyer's state can still tax the order once you cross that state's economic-nexus threshold, and being an Oregon LLC does not exempt you from it.