We checked 85 countries against the public country lists of 9 payment providers: Stripe, PayPal, Paddle, Lemon Squeezy, Polar, Creem, Dodo Payments, Gumroad and Wise. Every cell has a note taken from that provider's own list, and the check date is in the file (6 Oct 2026).
Stripe does not support 37 of the 85. That includes Serbia, North Macedonia, Albania, Bosnia and Herzegovina, Kosovo, Montenegro, Moldova, Ukraine, Georgia, Turkey, Egypt, Morocco, Pakistan, Bangladesh, Nepal, Sri Lanka, Vietnam, the Philippines, South Korea, Taiwan, Argentina, Chile, Colombia, Peru and Uruguay.
Who pays out in those 37 countries
| Provider | Yes | Limited | No |
|---|---|---|---|
| Paddle | 37 | 0 | 0 |
| Dodo Payments | 31 | 0 | 6 |
| Creem | 29 | 7 | 1 |
| Lemon Squeezy | 28 | 4 | 5 |
| Polar | 28 | 0 | 9 |
| Gumroad | 28 | 4 | 5 |
| PayPal | 27 | 0 | 10 |
| Wise | 17 | 20 | 0 |
"Limited" usually means PayPal payouts only, or an account that can send but not hold money. Paddle's "yes" means the country is not on Paddle's unsupported list; Paddle still reviews every business.
What this means if you are in one of them
- A merchant of record is the usual route. It sells to your customer in its own name, handles VAT and sales tax, and pays you out. You do not need a Stripe account or a company abroad.
- Check the payout, not the checkout. Most providers can charge a card anywhere. The question is whether they can send money to a bank in your country, in which currency, and with what minimum.
- Compare the real cost. Per-sale fees range from about 3.9% to 10% plus fixed fees, and some add currency conversion and payout fees on top.
The data
- CSV and notes: Hugging Face and Kaggle
- Free to reuse with a credit. If a cell is wrong, tell me and I will fix it in the next monthly check.
Disclosure: I build AgentaOS, a merchant of record that pays out to banks in these countries. The table above includes our competitors as they are; several of them cover more countries than people expect.
Top comments (7)
'Check the payout, not the checkout' is the line most country-coverage debates skip. Charging a card is nearly universal; landing the money in a local bank account is where the matrix actually collapses. The Wise row is the one I'd flag for readers: 20 'limited' with zero 'no' suggests Wise covers the receiving side almost everywhere but not as a merchant rail, which is a different product than the merchant-of-record columns above it. Also good that the check date is in the file, since provider country lists drift monthly and a stale coverage table is worse than none.
Useful dataset. One nuance from living in Turkey: "Stripe not available" means you can't open your own Stripe account, but platforms built on Stripe Connect Express can still pay out to individuals there. Buy Me a Coffee onboarded me in Turkey through Stripe Express, paying out in TRY to a local bank (USD settlement wasn't offered). For my SaaS I went the other route and used a UK company for Stripe. A column for "via Connect platforms" could be worth adding.
"Check the payout, not the checkout" is the line I'd put at the top. Founders in Serbia or North Macedonia usually find out the hard way, after the first sale is sitting somewhere they can't withdraw it. Did the payout minimums differ much between Paddle and Lemon Squeezy for those countries? That number tends to matter more than the percentage when you're doing a handful of sales a month.
the paddle footnote is the one i'd want people to read twice: 37 of 37 "yes" only means the country isn't on the unsupported list, the business review is still a separate gate. same with the 3.9% to 10% range, at small volume the fixed fee per sale probably matters more than the percentage. does the csv note whether each provider onboards individuals or needs a registered company? in a lot of those 37 that seems to be where people actually get stuck.
On the UK-company route jeemmo mentioned: the Ltd sorts out Stripe, but the business account behind it has its own residence rule, and it bites in exactly these 37 countries. Revolut Business asks that at least one director or beneficial owner lives in the UK, the EEA or Switzerland. A sole director in Turkey, Serbia or Georgia doesn't meet that, so I'd pick the bank before paying the formation agent.
Who takes a UK company with directors abroad, each provider quoted: https://banxta.app/en/countries/united-kingdom/owners-in/abroad?utm_source=devto&utm_medium=comment&utm_campaign=oct27&utm_content=stripe-37-countries
The distinction between country coverage and actual onboarding is valuable. Another useful column might be the payout currency and whether the account can accept a locally held business account for each country. That would help founders compare the full route from checkout to usable funds, rather than coverage alone. How often do you plan to refresh the provider lists?
Great dataset, thanks for publishing the country list. A pattern we see a lot: founders in the unsupported countries can often charge customers fine through a merchant of record, but the hard part is the last step, getting payouts into an account they actually control. Worth adding a column for which payout rails each option supports (local bank, EUR or GBP IBAN, crypto), since that is usually where people get stuck.