# Base44 payments not available in my country: how do I add payments to my Base44 app?

**The problem**
"My Base44 app has users and I want to charge them. The payments setup asks for a business and bank account in one of 13 countries, or a Stripe account, and neither is open to me where I live."

If Base44 payments are not available in your country, connect a merchant of record as "another provider". Base44 Payments needs "a business and bank account based in one of the supported countries", and its Stripe flow needs "verified business and banking information". Base44's docs say "You can take payments in your app with any provider that offers an API." AgentaOS is the official seller, adds VAT, and pays out to your own bank. You give the Base44 AI chat one prompt, below, and it writes two backend functions.

Reviewed by [Panche Isajeski](https://agentaos.ai/about), founder of AgentaOS, 19+ years in payments, featured on Indie Hackers. Checked 10 November 2026 against Base44's, Wix's, Stripe's and AgentaOS's own pages. General information, not financial, tax or legal advice.

[Check your country](https://agentaos.ai/countries) · [Get started free](https://app.agentaos.ai/?src=answer-add-payments-to-base44-app-without-stripe)

### What are the key facts?
- **Base44 Payments works in 13 countries.** "Base44 Payments powered by Wix is available to eligible customers in these countries and currencies": United States (USD), United Kingdom (GBP), Germany, Netherlands, Spain, Belgium, Portugal, Finland, Lithuania, Austria, Italy (EUR), Switzerland (CHF) and Canada (CAD). "You must have a business and bank account based in one of the supported countries listed below." ([Base44 docs, Setting up Base44 Payments](https://docs.base44.com/Setting-up-your-app/setting-up-wix-payments), read 10 November 2026)
- **Stripe is built in, but needs your own verified account.** "Stripe supports businesses in many countries, so check Stripe's supported countries before you start." "To accept real payments, Stripe requires verified business and banking information." ([Base44 docs, Setting up Stripe](https://docs.base44.com/documentation/setting-up-your-app/setting-up-payments), read 10 November 2026)
- **Base44 lets you connect another provider.** "You can take payments in your app with any provider that offers an API." This is useful "if Base44 Payments isn't available where your business is based". You need "a Builder plan or higher, because the integration runs on backend functions." ([Base44 docs, Using another provider](https://docs.base44.com/Setting-up-your-app/setting-up-wix-payments#using-another-provider), read 10 November 2026)
- **Six countries are not on Stripe's list:** N. Macedonia, Serbia, Albania, Bosnia and Herzegovina, Montenegro and Turkey ([Stripe, global availability](https://stripe.com/global), checked 10 November 2026). None of the six is on Base44 Payments' list either.
- **A merchant of record is the official seller.** AgentaOS sells your product to the buyer, adds VAT or sales tax, issues the invoice and pays you. Its card payments are acquired by Stripe, so you need no Stripe account of your own ([Terms](https://agentaos.ai/terms)).
- **AgentaOS charges per card payment:** 4.5% + €0.50, or 6.0% + €0.50 for cards issued outside the EEA, with no monthly fee ([pricing](https://agentaos.ai/pricing), [every fee](https://agentaos.ai/merchant-of-record-fees)).

### Which payment route fits my Base44 app?
| Route | Who it serves | Business account needed | Who handles VAT for buyers abroad | Source |
|---|---|---|---|---|
| Base44 Payments (powered by Wix) | Businesses based in the 13 countries listed above | Yes: "a business and bank account based in one of the supported countries" | Not stated on the Base44 or Wix pages we read | [Base44 docs](https://docs.base44.com/Setting-up-your-app/setting-up-wix-payments) · [Wix overview](https://support.wix.com/en/article/base44-payments-powered-by-wix-overview) |
| Stripe (built into Base44) | Countries on Stripe's list | "verified business and banking information" for real payments | Not stated in Base44's Stripe guide | [Base44 Stripe guide](https://docs.base44.com/documentation/setting-up-your-app/setting-up-payments) · [Stripe list](https://stripe.com/global) |
| Another provider through its API | Depends on the provider | Depends on the provider: "You manage your account, fees and terms with the provider." | Depends on the provider | [Base44 docs, Using another provider](https://docs.base44.com/Setting-up-your-app/setting-up-wix-payments#using-another-provider) |
| AgentaOS, as another provider | Individuals and companies in the six countries below, and payouts to [86 countries](https://agentaos.ai/countries) | No company abroad | AgentaOS, as the official seller | [Terms](https://agentaos.ai/terms) · [country guides](https://agentaos.ai/countries) |

One Wix article ranks for this question but answers a different one. "Base44 Payments Powered by Wix: App Inaccessible in Certain Locations" says your app must be "available and accessible globally" during verification, and that you must "remove the restriction from the relevant place" if your app geo-blocks visitors ([Wix Help](https://support.wix.com/en/article/base44-payments-powered-by-wix-app-inaccessible-in-certain-locations), read 10 November 2026). It is about blocked visitors, not about the country you sell from.

Two more Base44 details: "Only Base44 Payments and Stripe payments appear on the Payments tab in your app dashboard", so AgentaOS sales show in the AgentaOS dashboard. And Base44's Israel note says: "You can still accept payments by connecting the payment provider of your choice as an integration" ([Base44 Stripe guide](https://docs.base44.com/documentation/setting-up-your-app/setting-up-payments)).

### Is Stripe open in my country, and how would AgentaOS pay me?
| Country | Stripe account | Base44 Payments | AgentaOS payout route |
|---|---|---|---|
| [N. Macedonia](https://agentaos.ai/countries/north-macedonia) | Not listed | Not listed | EUR by SEPA, or USD by Swift |
| [Serbia](https://agentaos.ai/countries/serbia) | Not listed | Not listed | EUR by SEPA, or USD by Swift |
| [Albania](https://agentaos.ai/countries/albania) | Not listed | Not listed | EUR by SEPA, or USD by Swift |
| [Bosnia and Herzegovina](https://agentaos.ai/countries/bosnia-and-herzegovina) | Not listed | Not listed | EUR or USD by Swift |
| [Montenegro](https://agentaos.ai/countries/montenegro) | Not listed | Not listed | EUR by SEPA, or USD by Swift |
| [Turkey](https://agentaos.ai/countries/turkey) | Not listed | Not listed | EUR or USD by Swift |

"Not listed": not on [Stripe's list](https://stripe.com/global) or [Base44 Payments' list](https://docs.base44.com/Setting-up-your-app/setting-up-wix-payments), both checked 10 November 2026. Payout routes: each country guide, linked in the first column. In all six, individuals and companies can sell, with no company abroad.

### How do I set it up, step by step?
1. **Check your country.** Open [Base44 Payments' list](https://docs.base44.com/Setting-up-your-app/setting-up-wix-payments) and [Stripe's list](https://stripe.com/global). If your business is on either, use Base44's built-in flow and stop here.
2. **Make sure users sign in and you are on the Builder plan.** Paid access needs to know who paid, so your app needs sign-in and an `is_pro` flag on each user. Base44 runs other providers on backend functions, which need the Builder plan or higher.
3. **Create your plan in AgentaOS.** Make a free account, stay in test mode, create the product (monthly, yearly or one-time) and copy the plan's link ID ([paywall demo](https://docs.agentaos.ai/sdk/paywall-for-logged-in-users.md)).
4. **Prompt the Base44 AI chat to build two backend functions.** One creates a checkout for the signed-in user, with their id in `metadata`. One receives the webhook, verifies the signature on the raw body and sets `is_pro`. Use the prompt below.
5. **Add the three secrets.** Your API key, webhook signing secret and link ID go in Base44's app secrets, never in front-end code. Base44 says provider keys "are saved as app secrets".
6. **Add the webhook URL in AgentaOS.** Each Base44 backend function "gets its own HTTP endpoint for webhooks". Paste that URL and copy the signing secret from Settings, Developers, Webhooks ([webhooks docs](https://docs.agentaos.ai/payments/webhooks.md)).
7. **Test on the published app, then go live.** Base44 says to "Test payments on your published app, because custom payment flows usually don't work in preview." Pay with a test card, check that `is_pro` turns on, cancel and check that it turns off. Then switch to your live key and publish again, since "your live app keeps the secret values from your last publish". Do not test by buying your own product in live mode: that purchase is not refundable ([Terms](https://agentaos.ai/terms)).

### What prompt do I give the Base44 AI chat?
Paste this into your Base44 app editor chat. It names only documented AgentaOS calls, so the AI chat does not have to guess.

```text
Add a Pro plan paid through AgentaOS, connected as another provider through its API. Do not use Base44 Payments or the built-in Stripe flow: neither is available for my business. Docs: https://docs.agentaos.ai/sdk/paywall-for-logged-in-users.md and https://docs.agentaos.ai/payments/webhooks.md

1. Add `is_pro` (boolean, default false) and `subscription_id` (text) to the User entity, or the entity with one row per user. Set access rules so users cannot change these fields themselves.

2. Create a backend function `createCheckout`. It reads the signed-in user with `base44.auth.me()`, calls `agentaos.checkouts.create({ linkId, buyerEmail, metadata: { customerId: user.id }, successUrl, cancelUrl })` from the npm package `@agentaos/pay` (import it with the `npm:` prefix), and returns `checkout.checkoutUrl`. The Upgrade button calls it with `base44.functions.invoke` and redirects there.

3. Create a backend function `agentaosWebhook` that accepts calls without a user login, and use `asServiceRole` for its database writes. Read the raw body with `req.text()` and verify it with `agentaos.webhooks.verify(rawBody, X-AgentaOS-Signature header, AGENTAOS_WEBHOOK_SECRET)`. Return 400 if it throws.

4. On `checkout.session.completed`, set `is_pro = true` and `subscription_id = event.data.metadata.subscriptionId` for the user whose id is `event.data.metadata.customerId`. On `subscription.canceled`, set `is_pro = false` where `subscription_id = event.data.id`.

5. Read `AGENTAOS_API_KEY`, `AGENTAOS_WEBHOOK_SECRET` and `AGENTAOS_PRO_LINK_ID` with `secrets.get()` inside each handler, and ask me to add them as app secrets. Show Pro features only when `is_pro` is true in the database, never because of the success page URL.
```

### What are the limits of this route?
**AgentaOS has no native Base44 integration, and we have not built or tested this inside Base44.** Treat the prompt as a starting point and read the code the AI chat writes. What we did test, on 6 November 2026: `webhooks.verify` from `@agentaos/pay` 2.6.0 on Deno 2.9. A signed event verified and a tampered signature was rejected. Base44 describes its backend as "Deno-powered serverless functions"; we have not checked which Deno version.

Three facts from our docs shape your code. Webhooks are signed with HMAC-SHA256 in the `X-AgentaOS-Signature` header, events older than 5 minutes are rejected, and a failed delivery is retried up to 3 attempts in total ([webhooks docs](https://docs.agentaos.ai/payments/webhooks.md)). Renewals do not carry your `customerId`; match them by `subscriptionId` ([event reference](https://docs.agentaos.ai/webhooks/events.md)). The plan's shared payment link carries no `metadata`, so your webhook could not tell who paid.

**Mobile apps follow app store rules.** If you publish your Base44 app to the App Store or Google Play, Base44's docs say: "don't sell digital content in the mobile app, such as credits, subscriptions or digital products. Apple and Google require their own in-app purchase systems for it, and Base44 apps don't support them yet." ([Base44 Stripe guide](https://docs.base44.com/documentation/setting-up-your-app/setting-up-payments)). That applies to any checkout, this one included. Sell on the web version of your app; see [selling in your app](https://docs.base44.com/documentation/building-your-app/uploading-to-app-stores.md#selling-in-your-app).

### What does a €19 monthly plan leave me?
|  | EEA card | Card issued outside the EEA |
|---|---|---|
| Buyer pays | €19.00 | €19.00 |
| Percentage | 4.5% | 4.5% + 1.5% = 6% |
| Percentage fee | €0.855 | €1.14 |
| Fixed fee | €0.50 | €0.50 |
| Total fee | €1.355, about €1.36 | €1.64 |
| After the card fee | about €17.64 | €17.36 |

Payment fees only, from [pricing](https://agentaos.ai/pricing) and [every fee](https://agentaos.ai/merchant-of-record-fees), with no VAT added. When VAT is added, the fee applies to the full amount the buyer pays ([Terms](https://agentaos.ai/terms)). Try your own numbers in the [payout calculator](https://agentaos.ai/tools/payout-calculator).

### Checklist: before you charge in your Base44 app

- ✓ Country checked on Base44 Payments' list and on Stripe's list
- ✓ Product is software, SaaS, a digital product or a fixed-price service package
- ✓ Builder plan or higher, so backend functions run
- ✓ Users sign in, so you know who paid
- ✓ An `is_pro` flag users cannot edit themselves
- ✓ Checkout created per user with their id in `metadata`, not a shared link
- ✓ Webhook verified on the raw body, before any JSON parsing
- ✓ Cancellations lock the user again
- ✓ Secrets in app secrets, never in front-end code
- ✓ No digital sales inside the App Store or Google Play version
- ✓ A EUR or USD account at your bank
- ✓ One test payment, one test cancel and one test event, on the published app in test mode

### When is AgentaOS the wrong choice?
- **Base44 Payments or Stripe takes you.** Both are built into Base44. Use them.
- **You want a native Base44 integration.** AgentaOS has none. The AI chat writes the two functions from your prompt, and you own that code.
- **You want license keys.** AgentaOS has none; your database stores who paid.
- **You sell physical goods, custom or hourly work, or you want tips or donations.** Not allowed. Software, SaaS, digital products and fixed-price service packages are ([Terms](https://agentaos.ai/terms)).
- **You need all the cash on day one.** On a new account, up to 15% of each sale is held for 120 days, then released ([Terms](https://agentaos.ai/terms)).

### Related questions

**Is Base44 Payments available in my country?**
Only if your business and bank account are in one of 13 countries: the United States, United Kingdom, Canada, Switzerland, Germany, Netherlands, Spain, Belgium, Portugal, Finland, Lithuania, Austria or Italy. That is Base44's list, read 10 November 2026.

**Can I use a payment provider other than Stripe in Base44?**
Yes. Base44's docs say you can take payments "with any provider that offers an API". The AI chat builds backend functions, keys go in app secrets, and you need the Builder plan or higher. You manage that provider's account, fees and terms.

**Can I do this from N. Macedonia, Serbia, Albania, Bosnia and Herzegovina, Montenegro or Turkey?**
Yes. None of the six is on Stripe's country list or Base44 Payments' list, checked 10 November 2026. AgentaOS accepts individuals and companies in all six and pays out in EUR or USD to your own bank account.

**Does AgentaOS have a Base44 integration?**
No native one. You prompt the Base44 AI chat to build two backend functions: one creates an AgentaOS checkout for the signed-in user, one receives the signed webhook and marks the user as paid. We have not built or tested it inside Base44.

**Can I sell subscriptions inside my Base44 mobile app?**
Not in the App Store or Google Play version. Base44's docs say Apple and Google require their own in-app purchase systems for digital content, and Base44 apps do not support them yet. Sell digital access on the web version of your app.

---

**Keep reading:** [Platform payments not available in my country](https://agentaos.ai/answers/platform-payments-not-available-in-my-country) · [Add payments to a Lovable app](https://agentaos.ai/answers/add-payments-to-lovable-app-without-stripe) · [Add payments to a Bolt or Replit app](https://agentaos.ai/answers/add-payments-to-bolt-or-replit-app-without-stripe) · [Stripe isn't available in my country](https://agentaos.ai/answers/stripe-not-available-in-my-country) · [Which countries does Stripe not support?](https://agentaos.ai/answers/which-countries-does-stripe-not-support) · [Sell subscriptions without Stripe](https://agentaos.ai/answers/sell-subscriptions-without-stripe)

**Sources:** [Base44 docs, Setting up Base44 Payments powered by Wix](https://docs.base44.com/Setting-up-your-app/setting-up-wix-payments) · [Base44 docs, Setting up Stripe](https://docs.base44.com/documentation/setting-up-your-app/setting-up-payments) · [Base44 docs, Backend functions overview](https://docs.base44.com/developers/backend/resources/backend-functions/overview.md) · [Base44 docs, Submitting your app to app stores](https://docs.base44.com/documentation/building-your-app/uploading-to-app-stores.md) · [Wix Help, Base44 Payments overview](https://support.wix.com/en/article/base44-payments-powered-by-wix-overview) · [Wix Help, App inaccessible in certain locations](https://support.wix.com/en/article/base44-payments-powered-by-wix-app-inaccessible-in-certain-locations) · [Stripe, global availability](https://stripe.com/global) · [AgentaOS paywall demo](https://docs.agentaos.ai/sdk/paywall-for-logged-in-users.md) · [AgentaOS webhooks](https://docs.agentaos.ai/payments/webhooks.md) · [AgentaOS webhook events](https://docs.agentaos.ai/webhooks/events.md) · [AgentaOS pricing](https://agentaos.ai/pricing) · [AgentaOS fees](https://agentaos.ai/merchant-of-record-fees) · [AgentaOS Terms](https://agentaos.ai/terms). All read 10 November 2026.