Can you sell online from India and get paid?
Yes. From India 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 India in EUR or USD, twice a month. Without your own Stripe account, you sell through a merchant of record: it is the seller on each sale and handles VAT and sales tax abroad, so you do not need a company outside India. Which ones work from India.
Also work from India: Paddle, Polar, Creem, Dodo Payments, Gumroad. See the table.
Money from abroad in India
What sellers here ask about money from abroad.
How long do I have to bring export earnings into India?
From 1 October 2026, services exporters must realise and repatriate the full value within nine months of the invoice date, or twelve months if invoiced or settled in rupees. A monthly Export Declaration Form is filed with the bank within 30 days of the month end. TaxUpdate (RBI amendment)
Can I keep my foreign earnings in dollars?
Resident individuals and companies can open an EEFC account and credit 100% of foreign exchange earnings. It is a current account with no interest, and each month's accruals must be converted to rupees by the end of the next month, net of approved uses. RBI
Is there a simplified tax option for freelance professionals?
Section 44ADA lets resident individuals in specified professions, including technical consultancy, declare 50% of gross receipts as income. The limit is Rs 50 lakh a year, or Rs 75 lakh if cash receipts are at most 5% of total receipts. Income Tax Department
General information, not tax or legal advice. Check with a local accountant.
Selling from India, in facts
- Who can sell
- Individuals and companies verification docs
- How you get paid
- To your own bank account in India, 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 India. 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 India
The usual names, checked one by one.
| Provider | Sellers in India? | 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 | Limited | Listed as "Preview" on Stripe global page. 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 | Bank payouts need Stripe pre-approval (invite-only), else PayPal payouts. Lemon Squeezy’s page |
| PolarMerchant of Record | Yes | On the Stripe Connect Express payout 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 | Yes | Bank payouts in INR. Gumroad’s page |
| WiseReceive money from clients | Limited | Can hold money only when travelling overseas. 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 India: answers
Which merchant of record works in India?
By their own country lists, checked 6 October 2026, Paddle, Polar, Creem, Dodo Payments, Gumroad and AgentaOS accept sellers in India. Lemon Squeezy works only partly: bank payouts need Stripe pre-approval, which is invite-only, otherwise it pays out by PayPal. They differ in how you get paid: Gumroad pays to an Indian bank in INR, Creem pays to a local bank, Polar pays through Stripe Connect Express, and AgentaOS pays EUR or USD to your own bank twice a month. Compare them in the table above; each row links to the provider’s own page.
Do I need a company to sell abroad from India?
Not with a merchant of record. It sells to the buyer in its own name and handles VAT and sales tax, so you can start as an individual. You still report your income in India: see the questions below on bringing export earnings home and the presumptive tax option.
Can I sell online from India 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 India?
To your own bank account in India, 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.
Does PayPal work in India?
Yes. Local PayPal site offers request money and business payments. PayPal.
Is there a limit on payouts to India?
Our banking partner caps payouts to India at 1.5 million INR per working day. If your balance is above the cap, ask us before the payout window. Supported countries.
Is Stripe available in India?
Only in a limited form: Listed as "Preview" on Stripe global page. Stripe’s country list.
How long do I have to bring export earnings into India?
From 1 October 2026, services exporters must realise and repatriate the full value within nine months of the invoice date, or twelve months if invoiced or settled in rupees. A monthly Export Declaration Form is filed with the bank within 30 days of the month end.
Can I keep my foreign earnings in dollars?
Resident individuals and companies can open an EEFC account and credit 100% of foreign exchange earnings. It is a current account with no interest, and each month's accruals must be converted to rupees by the end of the next month, net of approved uses.
Is there a simplified tax option for freelance professionals?
Section 44ADA lets resident individuals in specified professions, including technical consultancy, declare 50% of gross receipts as income. The limit is Rs 50 lakh a year, or Rs 75 lakh if cash receipts are at most 5% of total receipts.
General questions: when is my first payout? · what does it cost? · who handles VAT? · do I need a company?
Start selling from India
€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