&gt; due to US banking laws (anti terror yadda yadda) it is very difficult to do business on the internet unless you have a bank account in the USA<p>Can you expand on what you mean by this some more?<p>I operated from Australia as a sole trader (similar to single person LLC in the US I believe?) and I&#x27;m now the Director of a Thai Limited Company. In neither case did I have a &quot;US&quot; bank account.<p>With literally one exception in.. 8 years, I&#x27;ve always been paid by clients via bank-to-bank Wire Transfers (the one exception used TransferWise). I&#x27;ve never had any issue with payments not arriving&#x2F;not being processed?<p>In the last 12 months I&#x27;ve been using my Thai bank&#x27;s NYC branch to allow US clients to make an ACH payment, and the NYC branch of my bank then handles the transfer back to Thailand.<p>Are you talking about B2B payments or consumer payments?