2Checkout alternative for sellers outside Stripe’s countries
The problem“2Checkout declined me, or holds my funds, and Stripe does not open accounts where I live.”
The best 2Checkout alternative depends on where you live and what you sell. If you sell software, SaaS or digital products from a country Stripe does not serve, AgentaOS is a merchant of record that publishes its fee (4.5% + €0.50 per card sale, 6.0% + €0.50 for cards issued outside the EEA), accepts individuals and pays out to 86 countries. Paddle, FastSpring, PayPro Global, Lemon Squeezy and Dodo Payments are the other merchant-of-record options.
Is 2Checkout a merchant of record?
Only on its top tier. 2Checkout, now part of Verifone, sells three plans. 2Sell and 2Subscribe are payment plans with published fees. Merchant Maverick reports that the merchant-of-record option sits on 2Monetize, “an optional Merchant of Record model for digital goods”, priced by custom quote (Merchant Maverick, updated 20 July 2026). On 2Sell and 2Subscribe, the sales tax and VAT on each sale stay with you.
With a merchant of record, the provider is the official seller. It charges the buyer’s sales tax or VAT, files it, issues the invoice in its own name and handles chargebacks. AgentaOS works this way on every plan.
Payment fees side by side
The fee each provider takes from a card sale. Payment fees only: payout, refund and dispute costs differ by provider and are on each provider’s own page.
| Provider | Fee per card sale | Extra per sale | On a 100 sale (provider’s currency) | Merchant of record |
|---|---|---|---|---|
| 2Checkout 2Sell | 3.5% + $0.35 | +2% cross-border in certain countries | $3.85, or $5.85 with cross-border | No |
| 2Checkout 2Subscribe | 4.5% + $0.45 | +2% cross-border in certain countries | $4.95, or $6.95 with cross-border | No |
| 2Checkout 2Monetize | Custom, not published | Not published | Ask 2Checkout | Optional, digital goods |
| AgentaOS (Pay as you go) | 4.5% + €0.50 | Cards issued outside the EEA: 6.0% + €0.50 in total | €5.00, or €6.50 for a non-EEA card | Yes |
| Paddle | 5% + $0.50 | None for international cards or subscriptions | $5.50 | Yes |
| Lemon Squeezy | 5% + $0.50 | +1.5% international cards, +0.5% subscriptions | $5.50 to $7.50 | Yes |
| Dodo Payments | 4% + $0.40 (US cards) | +1.5% international, +0.5% subscriptions | $4.40 to $6.40 | Yes |
| FastSpring | Not published, quoted by sales | Not published | Ask FastSpring | Yes |
| PayPro Global | Not published on its comparison page | Not published | Ask PayPro Global | Yes |
Sources: 2Checkout tiers as reported by Merchant Maverick, updated 20 July 2026; 2Checkout’s own pricing page blocks automated checks, so confirm there before you choose. AgentaOS from the AgentaOS pricing docs, checked 6 November 2026. Paddle, Lemon Squeezy and Dodo Payments from our fee pages, which link each provider’s own pricing page. AgentaOS charges in euros, the others in US dollars.
If most of your buyers are in the US: a US card is issued outside the EEA, so on AgentaOS it costs 6.0% + €0.50. That is more than 2Subscribe’s 4.5% + $0.45 before the cross-border fee, and AgentaOS also handles the sales tax and VAT, which 2Subscribe leaves with you. If your buyers are mostly in Europe, AgentaOS adds nothing for EEA cards.
The 2Checkout alternatives, in short
- AgentaOS
AgentaOS: Official seller for software, SaaS, digital products and fixed-price service packages. Published fee, individuals and companies accepted, payouts to your own bank in 86 countries on the 1st and 15th of each month, including N. Macedonia, Serbia and Pakistan, where Stripe does not open accounts.
- Paddle
Paddle: 5% + $0.50, no surcharge for international cards or subscriptions. Built for software; its rules prohibit pure services.
- FastSpring
FastSpring: Long-running merchant of record for software companies. Rates come from a sales quote.
- PayPro Global
Merchant of record that markets itself directly to 2Checkout users. Its comparison page lists 70+ payment methods and 140+ currencies but no fee.
- Lemon Squeezy
Lemon Squeezy: 5% + $0.50 plus extras, owned by Stripe. Does not accept services.
- Dodo Payments
Dodo Payments: Lowest headline rate of the merchants of record listed here, 4% + $0.40 on US cards, with extras for international cards and subscriptions.
Not sure who pays out where you live? Which merchant of record pays out to my country.
Why sellers look for a 2Checkout alternative
The reasons people post are declines, held funds and price quotes they cannot get. These are individual reports, not proof of what is typical:
- A founder on Indie Hackers wrote that they were rejected by 2Checkout after about two weeks of back-and-forth, and planned to apply to Paddle next.
- One G2 reviewer reported a six-year account closed with funds held for 180 days (G2 reviews).
- Merchant Maverick lists “frequent reports of held funds” as a con and notes that 2Checkout runs a rolling reserve (source).
2Checkout does accept individuals: its signup has an “Individual or Sole proprietorship” option that asks for your national ID and proof of address (2Checkout docs). A decline is usually about the product, the risk review or missing documents, and 2Checkout is the only one who can tell you which.
What AgentaOS does not take
Check this before you move. AgentaOS is the official seller, so what you sell becomes what we sell. Under our Acceptable Use Policy and Terms, we do not take:
- Physical goodsor anything that needs shipping.
- Custom or per-client workwhere the scope or deliverable is agreed separately with each client, such as bespoke websites, apps or agency projects.
- Time-based workwhose main value is your hours, such as consulting or coaching sold by the hour.
Services qualify only as a fixed-price package: the same deliverable, price and delivery time for every buyer, set in advance, and approved for your account. “Website audit, 20-page PDF, 5 working days” works. “Design work, price on request” does not. How to price a package.
How to switch from 2Checkout in 7 steps
- Check that your product fits. Software, SaaS, digital products, courses and memberships fit most merchants of record. Services fit AgentaOS only as fixed-price packages; Paddle and Lemon Squeezy do not take pure services.
- Check that the provider pays out to your country. Pick your country on the country checker and confirm the currency (EUR or USD) and the route to your bank.
- Work out your real fee from where your buyers are. Split last quarter’s sales by card country. US and UK cards are outside the EEA, so use 6.0% + €0.50 for those on AgentaOS and 4.5% + €0.50 for EEA cards. Compare with the table above.
- List what you have in 2Checkout. Write down each product, price, billing period, trial, discount code and active subscriber with their next renewal date.
- Sign up and verify. On AgentaOS you sign up as an individual or a company, verify your identity and bank account, and create your products. Setup costs €0.
- Move your subscribers. Plan for each subscriber to enter their card once on your new checkout link before their next renewal. Ask 2Checkout support whether it can transfer saved cards; we have not confirmed that it does.
- Run both until the last renewal moves. Swap the buy buttons on your site, keep 2Checkout open for the remaining renewals and any refunds, then close it. Keep each payout statement and self-billed invoice for your accountant.
Checklist before you leave 2Checkout
- ✓My product is software, SaaS, a digital product or a fixed-price service package
- ✓Nothing I sell is shipped, quoted per client or billed by the hour
- ✓The new provider pays out to my country and my bank’s currency
- ✓I know what share of my buyers pay with cards from outside the EEA
- ✓I have my products, prices, trials and discount codes written down
- ✓I have every active subscriber and their next renewal date
- ✓I have checked when 2Checkout releases any reserve it holds
- ✓My accountant knows the new provider will be the seller on buyer invoices
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Common questions
Is 2Checkout a merchant of record?
Only on 2Monetize. Merchant Maverick reports that 2Monetize offers an optional merchant-of-record model for digital goods, at custom pricing. On 2Sell and 2Subscribe, you remain the seller and handle sales tax and VAT yourself.
How much does 2Checkout cost?
Per Merchant Maverick (updated 20 July 2026): 2Sell is 3.5% + $0.35 per sale and 2Subscribe is 4.5% + $0.45, plus a 2% cross-border fee in certain countries. 2Monetize is custom pricing and not published.
Why was my 2Checkout account declined?
Only 2Checkout can tell you. Public reports cite the product category, missing documents or give no reason. 2Checkout does accept individuals, so ask its support which part of your application failed before you apply elsewhere.
Can I sell on AgentaOS without a company?
Yes. AgentaOS accepts individuals as well as companies, and pays out to your own bank in 86 countries, including N. Macedonia, Serbia and Pakistan, where Stripe does not open accounts.
What does AgentaOS cost per sale?
On Pay as you go, 4.5% + €0.50 per card sale, with no monthly fee. Cards issued outside the EEA, including US and UK cards, cost 6.0% + €0.50 in total. AgentaOS is the official seller and handles sales tax and VAT.
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Related
Sources, checked 6 November 2026: Merchant Maverick 2Checkout review · 2Checkout: activate your account · PayPro Global vs 2Checkout · AgentaOS pricing docs · AgentaOS Terms · Acceptable Use Policy. Providers change prices without notice; check each source before relying on these figures.