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support international / non-US accounts #23

whit537 opened this Issue · 439 comments

Right now Balanced only supports merchant accounts for US entities. There's a whole world out there. Obviously a big undertaking, but definitely of huge value to Balanced customers.


Would love to know about and potentially use this once available. I am based in The Netherlands. Thanks!






+1 - how can we help ?




+1 as well! We'd use this immediately.




+1 from Italy


+1 from New Zealand.


+1 from France, lot's of innovatives startup in here! We are orphelin of an good payment solution..


+1 from Germany


+1 from France


+1 to accept sellers from Australia utilizing a US based marketplace. Any updates on progress here?


count me in...


We have clients that would like this feature.


+1 India


+1 from Germany :)


+1 for Australia and Canada


+1 for EU


Just for reference, we are waiting for EU support:


+1 Israel




Canada, UK and other european contries would be great.

  • 1 for EU. Starting for the larger markets, specially the ones in the south where there is a lack of good payment solutions, like France or Spain.

+1 UK


+1 Our marketplace is US-based but we need to support international merchants.


Australia would be fantastic. This service looks like a perfect fit for a project for one of our clients, sadly it's probably too late now.


+1 for Canada


+1 for Canada


+1 austria/europe


+1 Ireland


+1 Canada


+1 from Spain!


+1 UK


+6billions (EU especially)


+1 Ireland


+1 from New Zealand. Don't forget us, when you add Australian support.


+1 from Portugal


+1 from Singapore!


+1 for anything (Canada, UK, rest of Europe)
How can we help?


+1 europe / UK


+1 UK


+1 from Canada


Especially interested for India.


+1 armenia


Hey @mahmoudimus @matin @jkwade, what about Payoneer? I learned of them on the Gittip ticket for non-US payouts. I've submitted their inquiry form for Gittip, but it seems like a partnership between Balanced and Payoneer could be really powerful.


Looks like Payoneer is legit:

I see oDesk, Elance, Rent-a-Coder, Veer, etc.


Yes it is legit. I thought it was great until I found out allot of countries like India made it illegal. Check their country list to see if it works for you.

I might be wrong but some marketplaces have since dropped this service.


+1 for Australia and EU






+1 UK.

I run web forums in which we offer classifieds, and have hundreds of sellers and buyers. Most of these sites are in the UK, and I'd love to offer them a better framework for payments than what I currently offer (nothing whatsoever).


+1 UK/EU

@jkwade also reached out to me. how would this help solve things?


+1 for the Netherlands and EU in general


Canada, UK, Australia


+1 from India


+1 for spain


+1 from Israel!


+1 UK/Canada/Australia


+1 UK


@jkwade Just had a convo w/ (wholesale branch of They're next-day in local currency in 90+ countries. Definitely worth talking to. I can proceed with them or Payoneer directly but would much prefer to run it all through Balanced.


@jkwade I agree with whit537 as they offer a unique LFT solution that is fast and cheap. I am in the process of setting up with transfast. So far so good. We got hit by the holidays so there is a bit of delay in getting set up. The set up requirements are pretty straight forward and dealing with them is 1000% better than most financial service companies. They are flexible and easy to deal with, i.e. not bureaucratic. I reviewed the transfast API and it looks to be solid too.


+1 The Netherlands and European Union


+1 UK and +1 Slovenia (both EU)


+1 EU


:+1: US based, would like to run internationally through balanced.


+1 Australia and EU please.


+1 UK. We are desperate for platform like yours.


+1 EU


+1 Canada


I run, a UK-based marketplace, and I'm desperate for a good, affordable payment system designed for marketplaces. I'll sign up the instant you announce EU support.


+1 for Canada -- would love to be a tester as we ramp up


This is newly interesting to Gittip again, as we've been rejected by Payoneer.


I'd be interested in being part of any trial you have in UK/EU.

pud commented

Need to figure out a way to send payments to non-US customers. If not ACH, maybe check or something else temporarily? Check out - that might be a worthwhile integration (they just went public on Nasdaq)


+1 Canada


+1 Australia


+1 Spain


Europe would be a good option to have all though that is not one thing of course, many different countries.


+10 France


+1 from Norway.


+1 Canada


+1 Canada


+1 from USA... but still!


+1 UK and Europe


Is there a summary page of which payment processors that you have tried (failed/what)?


+1 from France


+1 for Canada / Australia / United Kingdom / France


+1 for Switzerland, EU and the Middle East


+1 for the EU and Switzerland


+1 for the UK


+1 for Canada. :)


+1 for Colombia. Maybe could be as "easy" as let us use something like They have a virtual US Bank account and work now with paypal.


+1 for Greece!

Balanced member

Who here wants support for a marketplace that is located outside the US vs. support for a US based marketplace to pay sellers outside the US?


@matin US based and pay merchants outside the US.


+1 for US-based marketplace to pay sellers in Canada


+1 support for marketplace outside the US.


+1 for UAE


+1 for UK

Balanced member

@alexykot payouts to UK for a US-based marketplace, or are you working on a marketplace in the UK?


@matin We are the same as @alexykot, ideally we'd like both. We're based in Australia but would also like to serve buyers and sellers in US and EU.


Support for IAT

Balanced member

This issue is being broken up by moving requests for non-US based marketplaces to issue #294.


+1 for payouts to international sellers


+1 for payouts to international accounts/sellers.


+1 US-based marketplace for merchants anywhere in the world


+1 for this.
Would be very useful for

@tonylampada tonylampada referenced this issue in freedomsponsors/

Investigate Stripe and Bitcoin #10


+1 for Canada/Euro


+1 Canada


+1 Brazil


+1 Belarus says hi


+1 Canada


+1 for China


+1 for Australia


+1 Italy


+1 Israel


+1 for the UK


+1 Japan


+1 for EU


+1 for Canada


+1 From New Zealand


+1 Sweden


+1 India


+1 for Brazil. One of the biggest online markets in the world, we still don't have a decent payments solution.


+1 for EU


Is setting up Payouts for non-US entities easier than setting up Processing?


Marketplace legal entity in US, but international merchants.
+1 for New Zealand merchants
+1 for merchants with bank accounts at international banks like HSBC (i.e. non-local banks, if that makes it easier)


It's been 6 months since the last round of funding was received with the goal of international expansion (

Are there any suggestions or timeframes before an EU launch (or just one in the UK)? :)

Balanced member

@jaapvannes Are you referring to us supporting US based marketplaces paying outside the US or marketplaces based outside of the US?

GitHub says you're in the Netherlands, so I assume you're building a marketplace out in Europe. We're working on US marketplaces being able to pay outside of the US, but there's no timeline for supporting international marketplaces at the moment.

Balanced member

@taylorbrooks depends on your definition of easier. You don't have to deal with Visa/MasterCard rules, but you have to work through country specific requirements.


@matin I know you can't give us any firm timelines, but what kind of time period are we talking about for US marketplaces being able to pay outside of the US? e.g. <= 3 months, 6 months, 12 months? Thanks.


@matin Aha, I really thought that you guys were planning to take the whole gig abroad. Wow, that's a big disappointment. You don't know halve the hassle we have to go through in Europe to provide peer-to-peer payments with escrowing funds... Anyway, grow fast in the US, attract more funding and cross the ocean, I know a dozen companies in the Netherlands alone that would loooove to use your payment solution! ;)

Balanced member

@qwallace I wish the answer was that simple. It's something we are and have been actively working on.

I don't feel comfortable giving a timeline because it's always taken longer than we expected when working with banks and through compliance/regulation.

Marketplaces are by nature cross-border, and it's critical for us to support international payouts.

Trust me, I know how frustrating it is to get such a fuzzy answer from a partner. I wish I could give you something more concrete.


+1 for Canada


+1 for Singapore


+1 for Norway :)


+1 Finland


+1 for German speaking countries (Germany, Switzerland and Austria) and English speaking countries (UK, Ireland)


+1 Australia


+1 Belgium (EU)


+1 Australia please!


+1 from Germany


+1 We like to enable all our coworking space customers worldwide to use Balanced as an easy way to accept credit payments without hassle and pay them out. check to learn more about our service.


+1 Romania/EU


+1 from China


+1 from Germany


+1 for Canada


+1 for Norway


+1.0 :+1: for the UK!


+1 India and SE Asia.


+1 Australia


+1 even though I'm in the US.


+1 for Canada.


+1 from Mexico


+1 for EU - Especially NL and Germany.


+1 Canada




+1 Brazil

@prayagupd prayagupd referenced this issue in prayagupd/birthdayforest-web

International Payment to be accepted in NEPAL? #1


+1 Italy, please!


+1 For Europe. We're a Stockholm-based crowd-funding startup expanding throughout Europe on a very fast pace and we're in desperate need of a better payment solution.


Lots of people here wishing for international services. I am one of them too, but I don't want balanced to be available in a certain country, but everywhere. Internet is everywhere, it has no borders, tend to not understand why businesses do (yeah, I know legal stuff, but still).
Obviously any gradual coverage would be perfect, go for it!


+1 from Australia


+1 from Canada.


+1 from Ireland, UK & AUS


+1 Canada


+1 from France


+1 In US - Have some very exciting international opportunities on the plate and would love to be able to process through balanced


+1 What NiBu said above this.


+1 Canada


+1 Australia


+1 Denmark

Balanced member

@nimri we're making progress on this front, but it's been much slower than anyone at Balanced would like. Some of the challenges we're running to surround compliance, risk, and accounting for cross-currency.

I'll post updates as we make progress.


+1 AU


+91 India


+1 for Mexico


+1 from Italy.






+1 for Australia.


:+1: for France!


+1 UK, Canada, Australia, rest of EU and just about everywhere else!


+1 for Canada payouts.





We currently use another payment gateway and merchant account, but we do not yet have the ability to settle in currencies outside USD. I recently learned about balanced, which looks great for our overall use-cases. Knowing that there's a possibility of an easier path towards displaying in other currencies, but more importantly, settling in those currencies is huge, because it would eliminate a ton of work and banking negotiations.


+1 for Australia




+1 EU. Actually it would be fine to allow only accounts denominated in $ (thus no cross currency issues). It would just need to work with bank account in Czech Republic.


+1 Hong Kong or Singapore.


+1 nicaragua and costa rica


+1 UK


:+1: We'd run 160 countries through you if we could...


+1 to costa rica, India, EU.


Central America


+1 for the whole EMEA region


+1,220,800,358 for India :+1:


+1 for Malaysia ... been looking for a good alternative to handle payments online other than what's available right now.


+1 Korea!


+1 for CANADA!!!


+1 Korea!


+1 for Australia
(Braintree is beating you guys to the punch for now.)




+1 for Canada and various African countries (especially Nigeria)


+1 for the UK


+1 for EMEA


Over 9000 for Australia


+1 for India(and eventually the rest of the world as well)




+1 for the Netherlands


+1 South Africa

Our Reserve Bank and exchange control laws are a bit of a problem though.


+1 UK


+1 UK


+1 Australia, UK, Ireland, EU. Gracias.


+1 Australia


+1 Norway


+1 for the Netherlands


+1. You realise nobody is doing this yet AFAIK? Whoever is first is going to make a killing...


+1 UK/Europe


+1 India & Oz


+1 Canada


+1 Malaysia


+1 Israel


+1 for New Zealand


+1 Canada


+1 Belgium


+1 New Zealand, Australia, EU+Switzerland


+1 EU


+1 UK


+1 for Germany, EU


+1 UK




+1 from Chile


+1 France


+1 Australia


All, I request that you please not spam us with +1 comments.

Instead, send an email to and ask them to implement a voting feature.


Oh, didn't know that +1 was the official recommendation from Balanced! In that case, please feel free to +1.
(sorry for the meta-spam).


+1 from germany!


+1 Argentina


+1 Brazil


+1 UK


+1 Hong Kong


+1 Sweden


+1 UK


+1 Chile, Georgia




+1 EUR


+1 Costa Rica


+1 (Canada, Australia, EU, and then everywhere else :) -- US based marketplace)


+1 for Canada


+1 UK


+1 for EU


+1 for EU


+1 for Japan.


+1 for EU / Portugal


+1 for Canada, Australia, the UK, and the EU. We're a US-based crowdfunding site, but we have interested campaign builders in these countries who can't run campaigns with us because they'd need a US bank account to accept contributions.




+1 This is huge! Would you be supporting Germany?


+1 Australia

  • 1 Canada, Israel, etc.

+1 United Arab Emirates?


+1 for Malaysia


+1 No country restrictions!


+1 for EU / France


+1 Romania/EU yeah right!


+1 for Turkey


+1 EU / Poland


+1 EU / UK, Poland


+1 Japan


+1 Israel


+1 Spain/UK


+1 Mexico!


+1 UK


+1 Colombia!


+1 Australia


+1 Italy


+1 Canada


+1 India


+1 Bangladesh


+1 uk


+1 for EUR/GBP/PLN




+1 for Greece :+1:


+1 for Germany


+1 for EU / France


+1 for France


:+1: for EU / France


+1 for Austria / EU


+1 Brazil


+1 Romania/EU


+1 Ukraine
+1 Russia


+1 Canada


+1 on AUD, EUR, GBP and CAD. We move tens of millions of dollars and International is a disaster. We generally collect and disburse in the same currency so fx is not important to us. We want to move from a CAD bank account to another CAD bank account, just like US ACH.




+1 Brazil


+2 Singapore and Hong Kong


+1 Australia


+1 for Canada


+1 for China, UK, South Korea


+1 for Spain


UK +1


+1 Canada



C'on guys! go for it, waiting from Catalonia (Spain by now)


+1 pls asap


+1 Greece :D


+1 Caribbean (Jamaica)


+1 Singapore


+1 UK


+1 Chile


+1 Israel


+1 Sweden


+1 Poland, Germany


+1 EU / Denmark


+1 France


+1 for being able to move money to a seller in Canada


+1 Spain


+1 for France. Can we have any indication of when this might happen?


@csprotte we're not willing to commit to a timeline for anything with regulatory barriers.


+1 Spain


+1 Sweden


+1 Sweden




+1 Canada :D


+1 UK


+1 for Canada!


I really need this feature to consider using balanced as my marketplace payment processor.


+1 for Turkey


We've added Bitcoin support:
In the immediate term only US-based customers will be able to make bitcoin payments (via coinbase), but this is one step towards a broader non-USD currency offering...


@dmacquart nice!
It certainly is a big step forward... thanks for the update!


Here are @matin's (Balanced CEO) thoughts on the Coinbase partnership and why we're starting to explore bitcoin:

Follow our progress on supporting different crypocurrencies on #204. @steveklabnik's comment in particular sheds light on our proposed timeline to leave private beta.


i thought my +1 was for merchant accounts for non-US entities and not non-USD currency offering


@choonkeat it is. Just mentioning anything that's relevant.


+1 for India please


@choonkeat I don't think you understand what Balanced needs to do to accept merchant accounts for non-US entities, hence your passive aggressiveness.

Each country (or region; compromised of smaller markets/countries) is designated separately by Visa and Mastercard. For Balanced to accept payments in any country or region, they will first need to incorporate as a company there. Then they need to find a merchant acquirer that can service that region to offer processing capabilities to Balanced. Each region has different regulations. Also, Visa and Mastercard have different pricing models for different countries / regions. There is no other way to go abouts opening up in a new market but to register a new company and set up a small, local office there.

I've went through this process for the Middle East and I can tell you, it is not an easy one. Balanced will need to have enough bandwidth to juggle all these markets alongside their current main U.S market. Global expansion will certainly not come overnight.


@nayefc Interesting overview but sounds too excessive to me but again I have no experience so I wouldn't know.

Perhaps @steveklabnik could expand a little bit about the hurdles @balanced is facing here.


@adambenayoun Balanced already has the hard part in-place: the backend finance ops. Adding another country/region is more of a logistical challenge: registering company, opening up office, signing a deal, complying with that country's regulations, all of which all costs a lot of money. Then finally, plugging that into the current backend finance ops. Another challenge would be settlements, specially in countries without a cheap automated switch between them such as ACH (yes ACH sucks but it's cheap and has APIs on top of it, which you'll appreciate once you see other countries that have nothing like that for public access; only for banks). I know the EU has one between them. The most logical and feasible initial expansion would be to Canada. Similar regulations, ACH works there, and depending on the acquirer, the same acquirer may support the US and Canada at the same time as per Visa & Mastercard.

In terms of software, changes would be minimal so that won't be too difficult. It could be that the cost is too much for Balanced at this time, unless they're actively working to expand to another country now.

I'm hoping @steveklabnik could elaborate more on this.


@nayefc Thanks for the detailed answer. I would love to hear @balanced side of the story - I think if they were communicating better on this - there would be less frustration on that part. When as a company you bring yourself to that level of transparency (github issues), you have to be super open in term of communication when a certain request gains traction.


@adambenayoun Yes of course, that's the best part about Balanced! Just to clarify, I wasn't giving any side of Balanced's story. I was talking in general and giving some background with regards to any credit card payments firm wanting to expand globally.


@nayefc That was totally clear - I know that you were giving your 2 cents on the matter. I was wondering if this is what @balanced had to deal with - hence why I wanted @steveklabnik to weigh in.

Again - thanks a lot for taking the time to give some glimpse into the regulatory issues one could face when wanting to expand internationally, I certainly learned something new!


+300000000000000. I would really love to used Balanced for my business. I need the escrowing and bitcoin payments features. Netherlands here by the way.


We've been meaning to fully blog about this, but I will say for now that @nayefc has gotten the biggest pieces down.


@steveklabnik I'll be seeing you at Etsy tonight :)


When as a company you bring yourself to that level of transparency (github issues), you have to be super open in term of communication when a certain request gains traction.

This makes no sense at all, @adambenayoun. That the issue ostensibly gains a certain level of traction doesn't necessarily mean that it aligns perfectly with current business objectives. You may well have vested interest in this issue, and it's unfortunate if your needs can't be met just now, but that doesn't mean the company "has to be super open in terms of communication." The mechanics involved in this issue are manifold, and there's a very real possibility that Balanced is simply not in a position where they can provide a meaningful response. Ask yourself; would you rather have incomplete information right now, or accurate information later?

Patience is a virtue, and unfortunately in very short supply on the internet. I'm sure Balanced will respond appropriately when possible.

Disclaimer: I have nothing to do with Balanced. I admire their guts, and would like to be a customer when Sweden is a supported market. Till then, I'm monitoring their progress with patience.


@mstade Let me start by saying that this was in no way critical of Balanced in any way, I think they are already way more open than any other companies I know (including mine) so kudos to them for being able to have that level of openness and I'm looking forward becoming a customer once they can handle international payouts (This is the only thing that stop me from using them right now).

I for myself would have appreciated a little bit more information on the subject. I think what @nayefc contributed to this discussion is enough for me at this stage, at least to comprehend the level of time Balanced has to invest in this. It would have been great to get some sort of timeframe and I completely get it when @steveklabnik mentions he cannot provide any sort of timeline for anything that has regulatory barriers - that wouldn't make sense and would just frustrate us more if that didn't happen.

I have patience but if there's anything I can do to speed up the process - I'll do it - including asking questions or proposing alternatives in term of launching earlier (I've done that in the past), maybe you think I'm out of the line here, I'd like to view it as another potential customer who really want to work with Balanced ;)


Thanks @adambenayoun for clarifying. As well, let me apologize if my reply came off as a confrontation; it was not my intent! I can certainly identify with your point of view, and I too would love to know the intricacies of what this feature entails (because I'm a total nerd) but that knowledge wouldn't do much other than satisfy my curiosity. There's value to that as well, I suppose.

You raise a very good question however, that I too would like explored. What – if anything – can customers that would like to use Balanced in a unsupported country do to help make that happen?


@mstade That piece of content would satisfy our curiosity, educate us on how hard it is to make that happen (and probably set the right expectations) and would be a great piece of content in term of content marketing.


hey @adambenayoun, co-founder of Balanced here. As @steveklabnik we'll be blogging on this in the near future, but in the meantime, I think @nayefc nails the main points. But 100% agree there's some useful content we can put out into the world about this, even if only at a high-level.


@jkwade - thanks for the clarification. What @nayefc described is CRAZY :ghost: (!) but very interesting :) Looking forward reading that blog post from @steveklabnik


feels responsible for the shitstorm. to clarify, i'd never thought nor imply that what @balanced needs to do is easy. i wasn't expressing impatience either. @steveklabnik's response sufficed. cheers


No idea why you think there's a shitstorm? We're just celebrating Balanced's attempt in breaking the regulatory walls!


+1 Israel


+1 US based, global marketplace and would like to run globally through Balanced. This thread has been informative. I wish I didn't have to rely on other options for the time being.


@coryarmbrecht If I may ask, for a global marketplace, what other options would you recommend? We are currently looking for options other than PayPal.


Yes, Balanced or Stripe would have been great but they do not support international payouts yet which is what we are looking for. PayPal is the only common solution I see on other global platforms like AirBnB and Elance.


+1 from NZ


+1 for UK, Canada


+1 for Chile and Argentina


+1 for HK, SG. There's a real gap in the market for this in Asia and first in would take it all! Only real options at the moment are PayPal or old school Payment Gateways ; (


+1 from Norway.


+1 Canada


+1 Malasya and other SEA countries


+1 France


+1 for Canada, or no more maple syrup for you :p


+1 US based marketplace for international non US support please!


+1 Canada


+1m Greece

@seanlinsley seanlinsley referenced this issue in gratipay/

Allow Connecting Canadian Bank Account #2179


+1 from Austria


Related: we are officially starting work on foreign currency support, which is a precursor to this issue. I've updated the text of #100 to reflect the requirements of this feature, and you can check to track the progress. Feedback very welcome.


+1 EU/Germany


+1 Norway


+1 Israel New Shekel


@steveklabnik Hi Steve, Is marketplace payment solution is available in the UK now ? If not what features are available ? Do you know a date when this feature becomes available in the UK ?


Hey @gauravtiwari,

As you can see, this issue is still open, so it hasn't been implemented yet. We don't generally promise a hard date, because they're almost always wrong. Keep your eyes peeled on this ticket!


+1 UK !!!


+1 Thailand and other SEA countries


+1 for Malaysia. Please bring international marketplace support to Malaysia.


+1 from UAE


+1 from Argentina !


+1 Canada


+1 million for Malaysia. Please bring balanced to Malaysia!


+150 for Canada (the number of sellers we could migrate from beanstream)




+1 for Poland (but USD please, I want to exchange myself)


2 years later, what's the progress with this?


+1 Canada


+1 Canada


+1 Philipenes


+1 South Korea


+1 for Australia


+1 for Canada / Australia!


+1 Philippines/Guatemala


+1 for Australia!!


+1 from India


+1 and spare me (us?) from Stripe hell the not-as-pleasant Stripe API.


@danschmidt5189 whats wrong with stripe?


@matejkramny "Stripe Hell" was an exaggeration (amended above), especially with their latest API version which is quite good. Stripe isn't bad; Balanced has just been really, really good:

  • Easier to use/simpler (thoughtful object design; follows JSONAPI pretty closely)
  • Better, more substantive documentation (the API repo is an amazing resource)
  • IRC / email support are extremely responsive, knowledgeable, and organized (really valuable for a production system)

Balanced also has Orders (which afaik Stripe does not yet have), removing a lot of concurrency/locking-related headaches.

Of course, this is purely my opinion, and I'd rather not hijack the thread to compare Stripe/Balanced. :)

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