Which Merchant of Record pays out to my country?
The problem“I signed up, built my checkout, and then found out they can’t pay me where I live.”
Check the payout country list before you build. In our check of 85 payout countries, Polar could not pay out in 11, Dodo would not onboard new sellers in 8, and Lemon Squeezy had no route at all in 5. In Kosovo, only AgentaOS and Paddle (software only) accept sellers.
How often does a platform not pay out?
“Merchant accounts are supported only where KYC documentation is issued in the countries listed”
Source: Dodo Payments docs
Who pays out where?
Yes means the provider’s own page lists the country for sellers or payouts.
Swipe the table sideways to see every provider →
| Seller in | AgentaOS | Paddle | Lemon Squeezy | Polar | Creem | Dodo | Gumroad | Stripe | PayPal |
|---|---|---|---|---|---|---|---|---|---|
| North Macedonia | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No | No |
| Serbia | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No | Yes |
| Albania | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No | Yes |
| Bosnia and Herzegovina | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No | Limited |
| Montenegro | Yes | Yes | No | No | Yes | Yes | No | No | No |
| Kosovo | Yes | Yes | No | No | No | No | No | No | No |
| Pakistan | Yes | Yes | Yes | Yes | Limited | No | Yes | No | No |
| Bangladesh | Yes | Yes | Yes | Yes | Limited | No | Yes | No | No |
| Egypt | Yes | Yes | Yes | Yes | Yes | No | Yes | No | Yes |
| Nigeria | Yes | Yes | Yes | Yes | Yes | No | Yes | Limited | Limited |
Checked 6 October 2026 on each provider’s own country page; tap a cell for the source. Paddle is built for software, and Paddle and Lemon Squeezy do not allow services like coaching or consulting. Stripe and PayPal shown for comparison: Stripe means opening your own account, PayPal means receiving money.
What else should I check?
- Picking only on the headline feeA Swift payout can cost €5 to €35, and PayPal-only payouts are always in USD.
- Ignoring what you sellPaddle is built for software; Paddle and Lemon Squeezy prohibit services.
Where does AgentaOS fit?
AgentaOS pays out to 86 countries by local bank, Swift or stablecoin wallet. Check yours.
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AgentaOS (2026). Which merchant of record pays out to my country (85 countries). https://agentaos.ai/answers/which-merchant-of-record-pays-out-to-my-country<a href="https://agentaos.ai/answers/which-merchant-of-record-pays-out-to-my-country">Which merchant of record pays out to my country (85 countries), AgentaOS</a>Change how you sell. Grow revenue 4×.
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Related questions
Is Stripe a Merchant of Record?
Not when used directly. Its Managed Payments product is open only in 35 locations, none in the Balkans, South Asia or Africa.
Can you sell from your country?
Pick your country. See how you get paid, what it costs and which platforms work there.
86 countries, checked 6 October 2026No company needed