How do I accept Apple Pay on my website without Stripe in my country?
The problem“My buyers ask for the Apple Pay button. Every guide starts with 'connect Stripe', and Stripe does not open accounts in my country.”
If you want to accept Apple Pay on your website without Stripe, you need another payment provider that supports it, because you cannot switch it on yourself. Apple says "Merchants in any country or region can accept payments with Apple Pay, as long as their payment service provider supports Apple Pay." Apple's provider menu, checked 10 November 2026, has no entry for Serbia, N. Macedonia, Albania or Bosnia and Herzegovina. For digital products, software and fixed-price service packages, the route that works is a checkout run by a merchant of record that shows Apple Pay and Google Pay and pays out to your country, with no Stripe account of your own. Physical products are different: ask a local payment gateway or your bank, and this page is not for you.
Can I switch Apple Pay on for my website myself?
No. Apple does not take the payment. A payment provider does, and Apple Pay is a button on that provider's checkout. Apple says: "The most popular e-commerce platforms and payment service providers support Apple Pay in apps and on the web. Using an Apple Pay SDK or JavaScript API from a payment provider is the quickest and most reliable way to support Apple Pay in your app or on your website." (Apple, Payment Platforms).
Building it yourself does not remove the provider. When a buyer pays, your site gets an encrypted payment token, and Apple says "the token needs to be passed to the payment service provider for processing" (Apple, Planning for Apple Pay).
So the real question is not "Stripe or nothing". It is "which provider that supports Apple Pay will open an account for a business in my country?"
Which payment providers does Apple list for my country?
Apple keeps a list under "Payment Service Providers" with a "Select your Country or Region" menu. It describes the list this way: "The following solution providers have demonstrated, in at least one of their payment solutions, the ability to support the transaction types and business models supported by Apple Pay for all applicable payment networks in the respective countries or regions."
On 10 November 2026 the menu showed:
- Not in the menu: Serbia, N. Macedonia, Albania, Bosnia and Herzegovina, Turkey
- In the menu: Montenegro, Bulgaria, Croatia, Slovenia, Greece, Romania, Hungary, Ukraine and Georgia, among others
- Montenegro: CellPoint Digital, emerchantpay, NORBr, Nuvei, Payrails, Worldline (WL Saferpay), Worldpay
A missing country means Apple lists no provider for it. It does not prove that no bank or gateway there offers Apple Pay, so ask yours. We did not check whether any of the seven providers opens accounts for small sellers in Montenegro.
Apple's second tab, "E-Commerce Platforms", is not sorted by country. It names BigCommerce, Shopify, Squarespace, Stripe, Wix, WooCommerce and others. A platform on that tab still has to offer payments in your country; for Wix, see Wix Payments not available in my country.
Is Google Pay different from Apple Pay?
Same idea, with no country menu. Google says "The Google Pay API is now available worldwide" and "Google Pay works with your existing payments processing stack and can be implemented with a few lines of code." (Google Pay for Payments).
It also comes through a provider: "We've partnered with many Payments Service Providers (PSPs) around the world to make Google Pay integrations simple." Google's advice to sellers is "Ask your PSP about Google Pay today." Its "Participating processors" list is one long alphabetical list that includes Stripe, Adyen, Nuvei and Worldpay. It does not say which processor serves which country.
On cost, Google says: "Google doesn't charge any additional fees to accept Google Pay. Standard processing fees from your payment provider still apply."
Which route fits me?
| Route | Who takes payment | Works in N. Macedonia or Serbia? | Catch | Source |
|---|---|---|---|---|
| A Stripe account of your own | Stripe | No: neither country is on Stripe's list | Needs Stripe in your country | Stripe |
| A provider from Apple's country menu | That provider | No entry: Apple's menu lists neither country | Apple lists seven providers for Montenegro and none for N. Macedonia or Serbia | Apple |
| Your bank or a local payment gateway | The bank or gateway | Ask them; we did not verify any | Works only if "their payment service provider supports Apple Pay" | Apple |
| Build it yourself with Apple's and Google's APIs | The provider you connect | Only if that provider serves your country | A developer job, and you still need the provider | Apple · Google |
| Merchant of record (AgentaOS) checkout | AgentaOS, as the legal seller | Yes, individuals and companies, paid to your own bank in EUR or USD in 86 countries | Digital products and service packages only; "Cards, Apple Pay and Google Pay are acquired by Stripe", with no Stripe account of your own | Facts · Terms |
All checked 10 November 2026. Lists change; check yours on Apple's and Stripe's own pages.
AgentaOS charges 4.5% + €0.50 per card sale, or 6.0% + €0.50 for cards issued outside the EEA, with no monthly fee (facts). AgentaOS is the official seller, so it handles the buyer's VAT or sales tax and the invoice on each sale.
How do I add Apple Pay and Google Pay without a Stripe account, step by step?
- Check your own options. Open Stripe's country list and Apple's provider menu. If your country is on either, start there.
- Ask your bank or gateway. If you already take cards online through one, ask whether it supports Apple Pay and Google Pay for online sales. If you sell physical goods, this is your route. Stop here.
- Confirm what you sell. The route below is for downloads, software, templates, courses and fixed-price service packages.
- Create the product. In AgentaOS, create a product with a name, a price in EUR or USD and the type One-time, then copy its buyer link (payment links docs).
- Put the checkout on your site. Link a Buy button to the buyer link. Or embed it: approve your site under Settings, Developers, then paste one script tag (embedded checkout). On WordPress, use the plugin.
- Test on a real phone. Open the checkout on an iPhone with a card in Apple Wallet, and on an Android phone with Google Pay. "Apple Pay and Google Pay appear on devices that support them" (AgentaOS docs).
- Get paid and declare it. AgentaOS pays out to your own bank in EUR or USD (N. Macedonia, Serbia, Bosnia and Herzegovina, Montenegro, Albania). Declare the income at home; ask a local accountant.
The embedded checkout runs "inline or as a pop-up on your site, in your colours and font, so buyers never leave. Cards, Apple Pay, Google Pay, bank transfer, trials, discount codes, VAT and 3D Secure all work, and we stay the official seller."
Checklist: before you add Apple Pay and Google Pay
- ✓Your country checked on Stripe's list and in Apple's provider menu
- ✓Your bank or gateway asked about Apple Pay and Google Pay online
- ✓You sell digital products or service packages, not physical goods
- ✓A EUR or USD account at your bank
- ✓Product created with a clear name and price, type One-time
- ✓Checkout tested on an iPhone and on an Android phone
- ✓Your accountant told about income from abroad
When is AgentaOS the wrong choice?
If Stripe or a provider in Apple's menu serves your country and you want to be the seller yourself, use it. If you sell physical products, AgentaOS does not support them: ask a local gateway or your bank. If you need a merchant account in your own name, this is not it, because AgentaOS is the seller on each sale. New accounts and service packages start with up to 15% of each sale set aside for 120 days; a service paid now and delivered later can have up to 100% held until delivery plus 120 days (Terms, section 9.2).
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Related questions
Do I need Stripe to accept Apple Pay?
No. You need a payment provider that supports Apple Pay, and Stripe is one of many. Apple says merchants can accept it "as long as their payment service provider supports Apple Pay". The provider must also serve your country.
Can a business in Serbia or N. Macedonia accept Apple Pay online?
Only through a provider that serves it. Apple's provider menu listed neither country on 10 November 2026. Ask your bank or gateway, or sell through a merchant of record whose checkout shows Apple Pay, with no Stripe account of your own.
Does Google Pay cost extra?
Not from Google. It says "Google doesn't charge any additional fees to accept Google Pay. Standard processing fees from your payment provider still apply." Check your provider's own fees.
Will every buyer see the Apple Pay button?
No. The button shows only on devices and cards Apple Pay supports. Apple lists the countries where a buyer can add a card on its support page. Other buyers pay by card on the same checkout.
Can I accept Apple Pay for physical products this way?
No. AgentaOS sells digital products, software and fixed-price service packages only. For physical goods, ask a local payment gateway or your bank whether it supports Apple Pay.
What lands in your bank?
Enter your price. See what you keep after the payment fee, in euros or dollars.
€0 account, no cardSell as an individual or a company
Related
Sources: Apple, Payment Platforms · Apple, Planning for Apple Pay · Apple Support, Countries and regions that support Apple Pay (published 27 Oct 2026) · Google, Google Pay for Payments · Google Pay Help, Countries or regions where you can make payments with Google · Stripe, global availability · AgentaOS facts · AgentaOS payment links · AgentaOS embedded checkout docs · AgentaOS Terms