Can you sell online from China and get paid?
Yes. From China you can sell digital products, courses, SaaS and services to buyers in 190+ countries, as an individual or a company, and get paid in CNY to a bank in mainland China (businesses) or through a card or wallet network (people), twice a month. Stripe does not accept sellers based in China. 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 China.
Also work from China: Paddle, Dodo Payments. Do not: Stripe, Polar. See the table.
Money from abroad in China
What sellers here ask about money from abroad.
How much foreign currency can an individual in China convert each year?
Individuals in China have an annual foreign exchange purchase quota equivalent to USD 50,000 per person, used through normal bank channels. Amounts above the quota need supporting documents showing genuine need. SAFE
Is income from foreign clients taxed in China?
Residents are generally taxed on worldwide income. Comprehensive income, including personal service fees, is taxed at progressive rates from 3% to 45%. Business income of individual businesses is taxed at 5% to 35%. PwC Tax Summaries
General information, not tax or legal advice. Check with a local accountant.
Selling from China, in facts
- Who can sell
- Individuals and companies verification docs
- How you get paid
- A business is paid to a CNY account at a bank in mainland China; a person through a card or wallet network, with a cap per payout. supported countries
- Payout currency
- CNY for businesses, from your EUR or USD balance; people are paid through a card or wallet network, with a cap per payout supported countries
- 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
- Transfer cost
- Passed through at cost and shown before you request a payout. Your bank may ask for the contract and invoice. supported countries
- Tax on your sales
- Charged, filed and paid by us as the seller tax docs
- Your income tax
- Yours to declare in China. 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 China
The usual names, checked one by one.
| Provider | Sellers in China? | 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 | China site offers receiving and business tools. 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 | Limited | Supported, marked with transfer limits. 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 China: answers
Which merchant of record works in China?
By their own country lists, checked 6 October 2026, Paddle, Dodo Payments and AgentaOS accept sellers in China. Lemon Squeezy works only partly: Not on the bank payout list, PayPal payouts only. Creem works only partly: Supported, marked with transfer limits. 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 China 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 China?
A business is paid to a CNY account at a bank in mainland China; a person through a card or wallet network, with a cap per payout. Payouts run on the 1st and the 15th of each month, in EUR or USD.
What do I need to get paid in China?
A business needs a CNY account at a bank in mainland China and a transfer reason on file; the bank can ask for the contract and the invoice. A person is paid through a card or wallet network, with a cap on each payout.
Is Stripe available in China?
No. Stripe does not open accounts for businesses based in China, so sellers there use a Merchant of Record like AgentaOS, or open a company abroad. Stripe’s country list.
Does PayPal work in China?
Yes. China site offers receiving and business tools. PayPal.
How much foreign currency can an individual in China convert each year?
Individuals in China have an annual foreign exchange purchase quota equivalent to USD 50,000 per person, used through normal bank channels. Amounts above the quota need supporting documents showing genuine need.
Is income from foreign clients taxed in China?
Residents are generally taxed on worldwide income. Comprehensive income, including personal service fees, is taxed at progressive rates from 3% to 45%. Business income of individual businesses is taxed at 5% to 35%.
General questions: when is my first payout? · what does it cost? · who handles VAT? · do I need a company?
Start selling from China
€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