Money & Banking / Payment processors

IlyesP

IlyesP

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Hey BHW,

Running a small online service (TikTok/IG growth), billing through Stripe. Currently facing two issues:

1. Too much money flowing through my personal French bank account — Stripe → French bank → Google Ads = all visible to tax authorities. I want to cut France out of the loop.
2. No company / no SIRET — I'm a solo operator, not incorporated. Most business accounts require registration.

What I need:
- Receive Stripe SEPA payouts (EUR)
- Pay Google Ads monthly (around €200-300/day)
- No French IBAN — don't want French authorities seeing the flows
- No company registration (no SIRET, no LTD, no LLC)
- Preferably free or low monthly fee
- Virtual card (or physical) to pay Google Ads
- Decent limits (€5k-10k/month minimum)

Any recommendations from people who've done this? Specifically looking for something that:
- Doesn't share data automatically with French tax authorities (non-CRS or non-EU)
- Accepts Stripe payouts directly
- Lets me pay Google Ads without issues

Thanks!
 
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That's not the point.
 
To be honest you can't avoid the crs and via dac 7 and dac 8 directive the payment processors that participate on crs will report all income influx into your account not just the balance on the end of the year like banks........ Maybe stealth paypal ? But there are not many options to be honest. Following maybe someone have a better alternative
 
Thanks...
 
IlyesP said:
Hey BHW,

Running a small online service (TikTok/IG growth), billing through Stripe. Currently facing two issues:

1. Too much money flowing through my personal French bank account — Stripe → French bank → Google Ads = all visible to tax authorities. I want to cut France out of the loop.
2. No company / no SIRET — I'm a solo operator, not incorporated. Most business accounts require registration.

What I need:
- Receive Stripe SEPA payouts (EUR)
- Pay Google Ads monthly (around €200-300/day)
- No French IBAN — don't want French authorities seeing the flows
- No company registration (no SIRET, no LTD, no LLC)
- Preferably free or low monthly fee
- Virtual card (or physical) to pay Google Ads
- Decent limits (€5k-10k/month minimum)

Any recommendations from people who've done this? Specifically looking for something that:
- Doesn't share data automatically with French tax authorities (non-CRS or non-EU)
- Accepts Stripe payouts directly
- Lets me pay Google Ads without issues

Thanks!
Click to expand...
Do you have an option to move from stripe direct to crypto
Then ads

Or from stripe to an off-shore account
Then via crypto for some services
 
medialounge said:
Do you have an option to move from stripe direct to crypto
Then ads

Or from stripe to an off-shore account
Then via crypto for some services
Click to expand...
i think you can transfer funds from stripe only to bank accounts...
 
To be completely honest with you, that 'no-company, non-CRS, high-limit, all-in-one' dream account you’re looking for? It simply doesn't exist anymore in 2026. Anyone telling you they can pull that off is either a scammer or a shady platform waiting to rug pull your funds.

You’re spending €300 a day on Google Ads—that’s around €10k a month. At that scale, if you try using an unregistered personal card or some sketchy virtual card, Google’s 'Suspicious Payments' trigger is going to insta-ban your account. Your chances of a successful appeal are practically zero, and they’ll blacklist your domain right along with it.
 
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