Georgia and Armenia: Accepting International Payments for Relocated Teams and Local Businesses

Tbilisi and Yerevan have become home to a large number of IT companies, freelancers and relocated teams working for clients abroad. Banking is accessible, but Stripe doesn't onboard businesses based in Georgia or Armenia, and receiving card payments from foreign customers usually means a local acquiring agreement with its own requirements.

What teams use

• Bank transfers for B2B invoices — reliable, slower for small amounts.
• Foreign entities (US LLC, Estonian OÜ) to access Stripe — adds cost and accounting.
• Stablecoins — clients in tech often pay USDT or USDC.
• Card-to-crypto checkout — the client pays by card through a provider licensed in their country; the team receives USDC.

Why it fits small teams

No company documents to get started, no percentage fees, and payments arrive in a wallet the team controls. For agencies with many clients, wallet groups (Pro) let you route different clients or projects to different wallets.

Getting started

1. Create a free Vulta account — email only, no company documents.
2. Add a USDC (Polygon) wallet for card payments, plus any crypto wallets you want (USDT on TRON is popular and cheap).
3. Create a payment link: Card only for mainstream buyers, Card + Crypto for everyone.

Vulta takes 0% of payments; plans are Free, Pro ($20/month) and Max ($49/month). Always check how your local rules treat income received in digital assets and declare it for tax as required.

Frequently asked questions

Do I need a Georgian or Armenian company?

No company is required to use Vulta. If you do have one, you can still use it for your accounting.

Can I route payments from different clients to different wallets?

Yes. Wallet groups on Pro let you assign wallets per client or project.

Is a foreign LLC still worth it?

If you specifically need Stripe or a US bank, possibly. If you just need clients to pay by card or crypto, it adds cost you may not need.

Can my team members access the dashboard?

Team seats are part of the Business plan.