Named USD virtual account
Get a dedicated USD account in your company’s name, not a shared or pooled account. Customers, platforms and business partners can identify your company when sending payments.
PCX Startup Offer
USD account for Founders without a US company
Get a named USD virtual account with global payout access — built for startups that need to pay suppliers, contractors and platforms internationally.
- 6 months with no monthly feeThen $25/month, starting automatically after the first 6 months.
- Free to sign upA $20 KYB fee applies when you complete verification. Offer ends 30 June 2027.
- $50,000 in fee-free ACH transfersUS domestic ACH only, within 90 days of account activation. Unused allowance expires.
Who this is for
Built for startups that need a USD account
If your business operates across borders, you should not need a US company to access the payment tools you need.
No US company
You operate from outside the US and need access to a USD account.
Paying US suppliers or contractors
You need to send USD payments to the people and businesses you work with.
Operating across borders
Your business works with customers, suppliers or platforms in different markets.
Need an alternative
You have been declined elsewhere or cannot meet the requirements of a US-based provider.
What you get
A USD account for your business
Get a named USD virtual account designed to help your startup receive, hold and make USD payments.
Global payout access
Send USD payments to suppliers, contractors and business partners across supported markets. Manage your international payouts from the same account, without needing separate payment accounts.
The offer in full
Included
- No monthly fee for the first 6 monthsThen $25/month, automatically, with no action needed to keep the account.
- $50,000 in fee-free ACH transfersUS domestic ACH only, within 90 days of account activation. Unused allowance expires.
Not included
The allowance does not cover:
- Wires
- SWIFT transfers
- Currency conversion
- Local payouts in other markets
Free to sign up. A $20 KYB fee applies when you complete verification. Offer ends 30 June 2027.
How it works
Get started now, Finish when you're ready
Tell us about your business in a short form, then create your account when you’re ready.
- 1
Tell us about your business
Complete a short form about your business. It takes a couple of minutes.
- 2
We get back to you
We review your details and email you a link to create your account. Within 1 business day.
- 3
Create your account
Set up your account with your email and password. It’s free and takes a minute.
- 4
Verify your business
Submit your company details and documents, then pay the $20 verification fee. Most accounts are live within 2 business days.
- 5
Start using your account
Once your account is approved, you can start receiving payments and making payouts.
Eligibility
If you're building
a startup, you
may qualify
Eligibility requirements:
- Startups at any stage are eligible
- No US entity is required to apply.
- No minimum revenue, funding or employee count.
- All applications are subject to normal KYB and AML checks.
FAQs
Frequently Asked Questions
Here are the answers to the questions you’re most likely to have about the offer.
Is it really free?
Signing up is free and there is no monthly fee for the first 6 months, then $25/month. The $20 verification fee is separate and is paid when you complete KYB.
Which transfers are covered?
The $50,000 allowance covers US domestic ACH transfers only, within 90 days of account activation.
What happens after six months?
After the first 6 months with no monthly fee, the account moves to $25/month automatically. You do not need to do anything to keep the account.
What happens if I don't use the full $50,000?
The $50,000 allowance covers US domestic ACH transfers only, within 90 days of account activation. The remainder expires at 90 days and has no cash value.
What is the $20 for?
It is the verification fee paid when you complete the KYB process, not when you sign up. The fee covers the verification required to activate your account.
How long does verification take?
Usually 2 business days. We'll email you when your account is ready, or if we need any further documents — you don't need to keep checking.
Open your named USD account
Apply for the PCXPay Startups Offer. Free to sign up. A $20 KYB fee applies when you complete verification. Offer ends 30 June 2027.