Can you sell online from Ukraine and get paid?
Yes. From Ukraine 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 Ukraine, twice a month. Stripe does not accept sellers based in Ukraine. 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 Ukraine.
Also work from Ukraine: Paddle. Do not: Stripe, PayPal, Lemon Squeezy, Polar, Dodo Payments, Gumroad. See the table.
Money from abroad in Ukraine
What sellers here ask about money from abroad.
What tax does a Ukrainian FOP pay on foreign income?
A group 3 FOP (sole proprietor) pays a 5% single tax on gross income plus a 1% military levy. Foreign currency income is converted to hryvnia at the National Bank of Ukraine rate on the day the money arrives. Monthly social contribution (ESV) is paid separately. buh.ua
How fast must export income reach a Ukrainian bank?
National Bank rules require export proceeds to reach an account at a Ukrainian bank within the settlement deadline, currently 180 calendar days. Money left in payment systems or paid to a personal account risks being taxed as personal income at a much higher rate than the FOP single tax. buh.ua
General information, not tax or legal advice. Check with a local accountant.
Selling from Ukraine, 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 Ukraine, 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 Ukraine. 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 Ukraine
The usual names, checked one by one.
| Provider | Sellers in Ukraine? | 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 | No | Local PayPal site is send-only, no request or business menu. PayPal’s page |
| PaddleMerchant of Record | Yes | Supported, except the occupied regions (Crimea, Donetsk, Luhansk, Kherson and Zaporizhzhia), which are on Paddle’s unsupported list. Paddle’s page |
| Lemon SqueezyMerchant of Record | No | Not on the bank payout list, and PayPal cannot receive there. Lemon Squeezy’s page |
| PolarMerchant of Record | No | Not on the payout countries list. Polar’s page |
| CreemMerchant of Record | Limited | Supported, bank transfer partner restrictions may apply. Creem’s page |
| Dodo PaymentsMerchant of Record | No | Grandfathered only, no new merchants accepted. Dodo Payments’s page |
| GumroadMerchant of Record | No | No bank payouts, and PayPal cannot receive there. Gumroad’s page |
| WiseReceive money from clients | Limited | Can register and send, but cannot hold money. 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 Ukraine: answers
Which merchant of record works in Ukraine?
By their own country lists, checked 6 October 2026, Paddle and AgentaOS accept sellers in Ukraine. Creem works only partly: Supported, bank transfer partner restrictions may apply. Lemon Squeezy, Polar, Dodo Payments and Gumroad do 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 Ukraine 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 Ukraine?
To your own personal bank account in Ukraine, 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 Ukraine?
No. Stripe does not open accounts for businesses based in Ukraine, so sellers there use a Merchant of Record like AgentaOS, or open a company abroad. Stripe’s country list.
Does PayPal work in Ukraine?
No. Local PayPal site is send-only, no request or business menu. PayPal.
What tax does a Ukrainian FOP pay on foreign income?
A group 3 FOP (sole proprietor) pays a 5% single tax on gross income plus a 1% military levy. Foreign currency income is converted to hryvnia at the National Bank of Ukraine rate on the day the money arrives. Monthly social contribution (ESV) is paid separately.
How fast must export income reach a Ukrainian bank?
National Bank rules require export proceeds to reach an account at a Ukrainian bank within the settlement deadline, currently 180 calendar days. Money left in payment systems or paid to a personal account risks being taxed as personal income at a much higher rate than the FOP single tax.
General questions: when is my first payout? · what does it cost? · who handles VAT? · do I need a company?
Start selling from Ukraine
€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