Can you sell online from Andorra and get paid?
Yes. From Andorra you can sell digital products, courses, SaaS and services to buyers in 190+ countries, as an individual or a company, and get paid to your own bank in Andorra in EUR or USD, twice a month. Stripe does not accept sellers based in Andorra. To sell without your own Stripe account, you use a merchant of record: it is the seller on each sale and handles VAT and sales tax abroad. Which ones work from Andorra.
Also work from Andorra: Paddle, Creem, Dodo Payments. Do not: Stripe, Polar. See the table.
Money from abroad in Andorra
What sellers here ask about money from abroad.
How much income tax does a freelancer in Andorra pay?
Andorra's personal income tax (IRPF) rate is 10%. Residents get a personal minimum exempt of 24,000 euros. A bonus on work and business income halves the tax on the next slice, capped at 800 euros, so income up to 40,000 euros is taxed at an effective 5% above the exempt amount. Govern d'Andorra, IRPF guide
What is the sales tax (IGI) rate in Andorra?
Andorra's general indirect tax (IGI) has a general rate of 4.5%. Other rates are 0% (super-reduced), 1% (reduced), 2.5% (special) and 9.5% (increased, for banking and financial services). Govern d'Andorra e-tramits
General information, not tax or legal advice. Check with a local accountant.
Selling from Andorra, in facts
- Who can sell
- Individuals and companies verification docs
- How you get paid
- To your own bank account in Andorra, by local bank transfer. supported countries
- Payout currency
- EUR or USD, to a EUR or USD account at your bank (a foreign currency account) payout docs
- Payout days
- The 1st and the 15th of each month payout docs
- First payout
- 14 days after each sale, from €50 or $50 payout docs
- Fee per card sale
- 4.5% + €0.50; international cards +1.5% pricing docs
- Payout fee
- 1% of the payout, at least €1 pricing docs
- Local transfer cost
- Very low: a local or SEPA transfer, passed through at cost and shown before you request a payout. supported countries
- Tax on your sales
- Charged, filed and paid by us as the seller tax docs
- Your income tax
- Yours to declare in Andorra. You get a statement and a self-billed invoice per payout. payout docs
From a sale to your account
Example: one month, ten sales of €100.
| Ten sales of €100 | €1,000.00 |
|---|---|
| AgentaOS fee: 4.5% + €0.50 per sale | −€50.00 |
| Payout fee: 1% | −€9.50 |
| Local or SEPA transfer | very low |
| Lands in your bank | about €940.50 |
Try your own numbers in the payout calculator →
International cards +1.5%. On Pro (€49 a month) every card sale is 4.0% + €0.40. EU buyers pay VAT on top, which we file.
Doing it yourself instead? Stripe with a company abroad costs about €6,000 in the first year at €2,000 a month, once you add the company, an accountant, tax filing and about 50 extra hours of your time. See the full comparison.
Who accepts sellers from Andorra
The usual names, checked one by one.
| Provider | Sellers in Andorra? | What their own page says |
|---|---|---|
| AgentaOSMerchant of Record | Yes | Individuals and companies. Paid out twice a month. Supported countries |
| StripeCard payments, you are the seller | No | Not on the Stripe supported countries list. Stripe’s page |
| PayPalWallet and card payments | Yes | Local PayPal site offers request money and business payments. PayPal’s page |
| PaddleMerchant of Record | Yes | Not on the Paddle unsupported countries list. Paddle’s page |
| Lemon SqueezyMerchant of Record | Limited | Not on the bank payout list, PayPal payouts only. Lemon Squeezy’s page |
| PolarMerchant of Record | No | Not on the payout countries list. Polar’s page |
| CreemMerchant of Record | Yes | Supported with local bank payouts. Creem’s page |
| Dodo PaymentsMerchant of Record | Yes | On the accepted countries list. Dodo Payments’s page |
| GumroadMerchant of Record | Limited | No bank payouts, PayPal only (USD, 2% fee). Gumroad’s page |
| WiseReceive money from clients | Yes | On the hold money list. Wise’s page |
Checked on 6 October 2026 against each provider’s own country page. Providers change their lists; follow the source link before you decide.
Selling from Andorra: answers
Which merchant of record works in Andorra?
By their own country lists, checked 6 October 2026, Paddle, Creem, Dodo Payments and AgentaOS accept sellers in Andorra. Lemon Squeezy works only partly: Not on the bank payout list, PayPal payouts only. Gumroad works only partly: No bank payouts, PayPal only (USD, 2% fee). Polar does not. They differ in how you get paid: compare the payout notes in the table above, where each row links to the provider’s own page.
Can I sell online from Andorra as an individual?
Yes. You can open an account as an individual or as a company. AgentaOS is the official seller of your product, so you do not need a company abroad.
How do I get paid in Andorra?
To your own bank account in Andorra, by local bank transfer. Payouts run on the 1st and the 15th of each month, in EUR or USD.
Do I need a EUR or USD account?
Yes. Payouts are paid in the same currency as your balance, EUR or USD, so you need a EUR or USD account at your bank (a foreign currency account). No currency conversion happens inside a payout.
Is Stripe available in Andorra?
No. Stripe does not open accounts for businesses based in Andorra, so sellers there use a Merchant of Record like AgentaOS, or open a company abroad. Stripe’s country list.
Does PayPal work in Andorra?
Yes. Local PayPal site offers request money and business payments. PayPal.
How much income tax does a freelancer in Andorra pay?
Andorra's personal income tax (IRPF) rate is 10%. Residents get a personal minimum exempt of 24,000 euros. A bonus on work and business income halves the tax on the next slice, capped at 800 euros, so income up to 40,000 euros is taxed at an effective 5% above the exempt amount.
What is the sales tax (IGI) rate in Andorra?
Andorra's general indirect tax (IGI) has a general rate of 4.5%. Other rates are 0% (super-reduced), 1% (reduced), 2.5% (special) and 9.5% (increased, for banking and financial services).
General questions: when is my first payout? · what does it cost? · who handles VAT? · do I need a company?
Start selling from Andorra
€0 a month, no card. Individuals and companies. Your first payout on the next 1st or 15th after your sales clear.
Not sure what to charge? Free pricing review