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

Yes. Mercury explicitly supports foreign founders with a US LLC. You need the Texas formation document (the Certificate of Formation), 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 Texas affect Mercury eligibility?

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

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

Mercury does not check where you live, only that the Texas entity is validly registered and that the details you enter match Texas'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 Texas's $300. Forming in Texas while working somewhere else usually means paying both states, not one.

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

Probably yes. Texas charges a 6.25% 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 Texas, or once you cross its remote-seller threshold of $500,000 in sales in the previous 12-month period.

Mercury asks for "Articles of Organization". Texas gave me a Certificate of Formation. Which do I upload?

Upload the Certificate of Formation. Texas does not issue a document called Articles of Organization; the Certificate of Formation is the same instrument under the name Texas uses for it, and it is what Mercury means by a formation or business-registration document.

Marketplace Verification

How to pass Mercury verification with a Texas LLC

What Mercury asks for at signup, and which Texas 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 Texas LLC is generally eligible for Mercury verification — you will need to provide your Certificate of Formation, EIN, beneficial-owner ID, and a valid US business address. Nothing about forming in Texas 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 Texas LLC, you must provide the company's formation document (in Texas, the Certificate of Formation), 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 Texas the entity behind that check is an LLC created by filing a Certificate of Formation, which costs $300. Texas 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 Texas 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 Texas's filing fees and forms. Confirm current platform rules with Mercury, and current filing rules with the Texas filing office, before you file. Mercury's requirements were last reviewed 2026-07-21, and Texas's figures on this page come from its own published schedule.

What Mercury requires, and how a Texas LLC meets each

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

Texas-specific things to watch

Texas 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. (The Certificate of Formation (Form 205) must name at least one governing person (member or manager), a public record; the annual Public Information Report also discloses management.)
Texas issues a Certificate of Formation rather than "Articles of Organization." When Mercury asks for "formation documents," upload your Certificate of Formation.
Budget for Texas's ongoing LLC costs before projecting your Mercury margins: Texas imposes a franchise tax; LLCs under the no-tax-due threshold ($2,650,000 total revenue for 2026-27 reports) owe $0 but must still file an annual Public Information Report.
Mercury payouts flow through to your personal return, and Texas won't tax them under a personal income tax: Texas levies no personal income tax.

Texas sales tax & nexus rules for Mercury sellers

Texas charges a 6.25% 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 Texas (an in-state location, inventory, or employees), or once you cross Texas's remote-seller economic-nexus threshold of $500,000 in sales in the previous 12-month period.

Texas has one of the highest nexus thresholds at $500,000, giving smaller remote sellers significant breathing room. There is no transaction count. Texas's 6.25% state rate can be supplemented by up to 2% in local taxes (many cities are at the 8.25% cap). Texas broadly taxes SaaS and digital services. Register through the Texas Comptroller of Public Accounts.

How to verify your Texas LLC on Mercury

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

Non-US founders with Texas LLCs

Mercury explicitly supports non-US founders who have formed a US LLC, Texas 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 Texas 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 Texas formation document (the Certificate of Formation), 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 Texas issues a Certificate of Formation; Mercury accepts it the same as any other state's.
: Texas charges $300 to file a Certificate of Formation, and that is the state's fee to create the LLC. Texas 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 $300 filing fee and Texas's ongoing obligations are the real cost of getting verified as a Texas entity.
: Mercury does not check where you live, only that the Texas entity is validly registered and that the details you enter match Texas'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 Texas's $300. Forming in Texas while working somewhere else usually means paying both states, not one.
: Probably yes. Texas charges a 6.25% 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 Texas, or once you cross its remote-seller threshold of $500,000 in sales in the previous 12-month period.
: Upload the Certificate of Formation. Texas does not issue a document called Articles of Organization; the Certificate of Formation is the same instrument under the name Texas uses for it, and it is what Mercury means by a formation or business-registration document.