Can you sell online from Pakistan and get paid?
Yes. From Pakistan you can sell digital products, courses, SaaS and services to buyers in 190+ countries, as an individual, and get paid to your own personal bank account in Pakistan, twice a month. Stripe does not accept sellers based in Pakistan. Without Stripe or PayPal, you sell through a merchant of record that pays out to Pakistan. Which ones do.
Also work from Pakistan: Paddle, Lemon Squeezy, Polar, Gumroad. Do not: Stripe, PayPal, Dodo Payments. See the table.
Selling from Pakistan, in facts
- Who can sell
- Individuals; bank payouts go to personal accounts only supported countries
- How you get paid
- To your own personal bank account in Pakistan, by local bank transfer. supported countries
- Payout currency
- EUR or USD, to a USD or EUR account at your bank, in your own name (personal accounts only) 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 Pakistan. 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 Pakistan
The usual names, checked one by one.
| Provider | Sellers in Pakistan? | 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 | Pakistan is not on Stripe's list for payments; Stripe marks it "Payments not supported yet". Stripe’s page |
| PayPalWallet and card payments | No | Pakistan is not on PayPal's list of countries. PayPal’s page |
| PaddleMerchant of Record | Yes | Built for software companies, anywhere outside its unsupported list. Pure services such as coaching or consulting are not allowed. Paddle’s page |
| Lemon SqueezyMerchant of Record | Yes | Pakistan is on its bank payout list. Lemon Squeezy’s page |
| PolarMerchant of Record | Yes | Pakistan is on its payout list (Stripe Connect Express). Polar’s page |
| CreemMerchant of Record | Limited | Listed with bank partner restrictions, such as personal accounts only. Creem’s page |
| Dodo PaymentsMerchant of Record | No | Pakistan is not on its accepted countries. Dodo Payments’s page |
| GumroadMerchant of Record | Yes | Bank payouts in PKR. Gumroad’s page |
| PayoneerReceive money from clients | Yes | Works in Pakistan, with real-time withdrawals to HBL. Payoneer’s page |
| WiseReceive money from clients | Limited | You can register and send money, but Pakistan is not on the list for holding a balance. 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 Pakistan: answers
Which merchant of record works in Pakistan?
By their own country lists, checked 6 October 2026, Paddle, Lemon Squeezy, Polar, Gumroad and AgentaOS accept sellers in Pakistan. Creem works only partly: Listed with bank partner restrictions, such as personal accounts only. Dodo Payments 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.
How do I sell digital products from Pakistan without Stripe or PayPal?
Through a merchant of record that pays out to Pakistan. It is the seller on every sale, takes the card payment and handles foreign VAT and sales tax, then pays you. AgentaOS pays to your own personal bank account in Pakistan, twice a month. Paddle, Lemon Squeezy, Polar and Gumroad also list Pakistan for payouts (see the table above). Dodo Payments does not: Pakistan is not on its accepted countries list for merchants (checked 20 October 2026). Stripe and PayPal do not accept sellers based in Pakistan.
Can I sell online from Pakistan 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 Pakistan?
To your own personal bank account in Pakistan, 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 USD or EUR account at your bank, in your own name (personal accounts only). No currency conversion happens inside a payout.
Is Stripe available in Pakistan?
No. Stripe does not open accounts for businesses based in Pakistan, so sellers there use a Merchant of Record like AgentaOS, or open a company abroad. Stripe’s country list.
Can I get paid to a business account in Pakistan?
Not yet. Our banking partner pays personal bank accounts in your own name in Pakistan, not business accounts. Supported countries.
How much tax do I pay on IT or freelance export income in Pakistan?
Under section 154A, export proceeds from software, IT or IT-enabled services are taxed at 0.25% for exporters registered with the Pakistan Software Export Board (tax years 2024 to 2029), and 1% otherwise. FBR withholding tax card, Finance Act 2026. Check with your tax adviser how it applies to you.
Does PayPal work in Pakistan?
No. Pakistan is not on PayPal’s list of countries. PayPal worldwide.
General questions: when is my first payout? · what does it cost? · who handles VAT? · do I need a company?
Start selling from Pakistan
€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