Amazon KDP payment options by country: what if my bank location is not listed?
The problem“My ebook is finished, but when I add my bank in KDP my country is not in the list and the only payment method I can pick is a check.”
KDP says it "provides different payment methods based on your bank's location", and on 10 November 2026 its page of Amazon KDP payment options by country showed 25 bank locations, with Serbia, N. Macedonia, Albania, Bosnia and Herzegovina, Montenegro, Turkey, Ukraine and Moldova not among them (KDP Payment Options, opened 10 November 2026). For a location that is not listed, KDP says: "We likely don't support direct deposit or wire transfer to your accounts in your bank's location." Its table for those locations shows check only. KDP also accepts accounts from the payment providers on its own participating list, which names Payoneer and Wise, for authors who are eligible to use one. And if your ebook is not in KDP Select, you can sell the same ebook from your own page through a merchant of record that pays out to your bank.
What does KDP offer for each bank location?
KDP has three payment methods: direct deposit, wire transfer and check. Which one you get depends on where your bank account is. In KDP's own words (all from KDP Payment Options, opened 10 November 2026):
- "KDP provides different payment methods based on your bank's location. Alternative payment methods such as Amazon Payments or PayPal, are not available options at this time."
- "KDP encourages authors to use direct deposit, because it usually has no minimum payment threshold, is the fastest, secure way to receive your royalty payments, and is environmentally friendly."
- "Checks have minimum payment thresholds and take longer to receive than electronic methods."
On 10 November 2026 the page listed 25 bank locations:
- Americas: United States, Canada, Mexico, Brazil.
- Africa: South Africa, Egypt, Morocco, Tunisia, Kenya, Nigeria.
- Asia and Oceania: India, Japan, Australia, New Zealand, Hong Kong, Malaysia, Singapore, Thailand, Indonesia, Philippines, Pakistan, Israel, Jordan.
- Europe: European Union (with Poland and Sweden shown separately inside it), United Kingdom.
After those comes a group called "Other". KDP writes: "Don't see your bank account's location? We likely don't support direct deposit or wire transfer to your accounts in your bank's location." The table under it shows check only: USD for most Amazon stores, GBP for Amazon.co.uk and CAD for Amazon.ca. For Amazon.pl and Amazon.se it shows no method at all. That is why some authors see KDP check payment only.
KDP payment in Serbia and nearby countries: is my bank location listed?
No. None of the nine countries below had its own entry on KDP's page on 10 November 2026, so a bank account there falls under "Other".
| Country | KDP bank location listed | AgentaOS payout |
|---|---|---|
| Serbia | No, not listed | Yes: EUR by SEPA, or USD by Swift |
| N. Macedonia | No, not listed | Yes: EUR by SEPA, or USD by Swift |
| Albania | No, not listed | Yes: EUR by SEPA, or USD by Swift |
| Bosnia and Herzegovina | No, not listed | Yes: EUR or USD by Swift |
| Montenegro | No, not listed | Yes: EUR by SEPA, or USD by Swift |
| Kosovo | No, not listed | Yes: EUR or USD by Swift (individuals only today) |
| Turkey | No, not listed | Yes: EUR or USD by Swift |
| Ukraine | No, not listed | Yes: EUR or USD by Swift |
| Moldova | No, not listed | Yes: EUR by SEPA, or USD by Swift |
KDP column from KDP Payment Options, opened 10 November 2026. AgentaOS column from each country guide. Lists change. Check yours before you decide.
The "European Union" entry does not cover them either. KDP keeps a separate list, Countries w/ EFT, headed "Current list of supported countries for EFT in Euros (€)". On 10 November 2026 it had 42 entries, and none of the countries in the table was on it.
The two columns answer different questions. The KDP column is about royalties for books sold on Amazon. The AgentaOS column is about sales you make from your own page. One does not replace the other.
What does KDP's Payment Service Provider rule mean for Payoneer and Wise?
Is a "KDP Payoneer" or Wise account allowed? KDP has a rule for that. Its page Payment Service Provider Program Updates (opened 10 November 2026) says: "Amazon's Payment Service Provider Program limits the types of bank accounts that we accept for the disbursement of KDP royalties". It adds: "As of August 1, 2026, we have stopped making payments to KDP accounts that are using a PSP that is not participating in the Payment Service Provider Program, or have not completed the know-your-customer verification (KYC) with their participating PSP."
The same page has a list headed "Participating PSPs". On 10 November 2026 that list named both Payoneer and Wise.
Three limits to know:
- KDP decides who may use a provider. Its FAQ says: "You are not eligible to use a PSP if you receive an email notification from KDP informing you that only accounts opened directly with deposit-taking banks are allowed."
- The provider must serve your country. Our own check on 6 October 2026 found Payoneer accounts in Serbia and N. Macedonia. Payoneer publishes no full country list, so confirm in its sign-up form (our Payoneer page). On Wise's list of countries where you can hold money, read 8 November 2026, N. Macedonia is included and Serbia, Albania and Turkey are not (our Wise page). Our pages do not cover the other countries, so ask the provider.
- The bank location still matters. KDP's pages do not say which location a provider account counts as. Ask the provider which country its account details are in, then look for that location on KDP's list.
Can I also sell the ebook from my own page?
Yes, if the ebook is not enrolled in KDP Select. KDP Select is optional, and it has an exclusivity rule. KDP's page KDP Select Enrollment (opened 10 November 2026) says: "Your Kindle eBook must also be exclusive to the Kindle Store for the KDP Select enrollment period". It continues: "During the 90-day enrollment period, the Kindle eBook can only be distributed through KDP and public libraries. However, you can continue to distribute print, video, or other formats of your title elsewhere."
So check your Bookshelf first. If the ebook is in KDP Select, do not sell that ebook anywhere else during the enrollment period. KDP also says an enrolled ebook "is automatically renewed unless you turn off automatic renewal". Whether KDP Select suits your book is your call. Read KDP's own terms for any other rule that applies to you.
If the ebook is not enrolled, you can add a checkout of your own next to your Amazon listing. With AgentaOS you need no company abroad and no Stripe account of your own. AgentaOS is the merchant of record, the official seller. It handles the buyer's VAT or sales tax, the invoice, refunds and chargebacks (facts). Buyers pay by card, and AgentaOS pays out to your own bank account twice a month.
How do I get paid for my ebook outside the US, step by step?
For an author in the Balkans, Turkey or Ukraine with a finished ebook.
- Check KDP's list today. Open KDP Payment Options and look for the country of your bank account. If it is listed, add that account in KDP and stop here.
- See what KDP shows for "Other". If your bank location is not listed, the page shows check, by Amazon store. Read what KDP says about checks before you choose.
- Ask a participating provider. If you prefer an electronic payment from KDP, open KDP's list of participating providers. Ask the provider if it opens accounts in your country and where its account details are located.
- Check KDP Select for this ebook. Open your KDP Bookshelf. If the ebook is enrolled, keep it exclusive for the period, as KDP requires. Go on only with an ebook that is not enrolled.
- Open a EUR or USD account at your own bank. Your country guide shows the route. In Serbia it is EUR by SEPA or USD by Swift. In Turkey and Ukraine it is EUR or USD by Swift.
- Put the checkout link on your own page and test it. Add it to your site, your newsletter and your link in bio. Open the link yourself to see what a reader sees. Declare the income at home and ask a local accountant.
AgentaOS charges 4.5% + 50 cents per sale, with no monthly subscription. Every charge is on the facts page.
What should I check before I sell my ebook direct?
- ✓I looked for my bank location on KDP's Payment Options page today
- ✓I know which payment method KDP shows for my bank location
- ✓My ebook is not enrolled in KDP Select, or its enrollment period has ended
- ✓I own the rights to the book and its cover
- ✓I sell the ebook file only: no paperbacks or print copies
- ✓I have a EUR or USD account at my own bank
- ✓I expect 15% of each sale to be held for 120 days on a new account (Terms, section 9)
- ✓I opened my own checkout link to see what a reader sees
When is AgentaOS the wrong choice?
- Your bank location is on KDP's list. Add that account in KDP. Nothing more is needed to receive your Amazon royalties.
- Your ebook is in KDP Select. KDP requires the ebook to be exclusive to the Kindle Store during the enrollment period.
- You want to sell paperbacks or print copies. AgentaOS does not handle physical goods or anything shipped.
- You want AgentaOS to receive your Amazon royalties. It cannot. AgentaOS only pays out sales made through its own checkout.
- You need someone to bring you readers. AgentaOS takes payments, handles tax and pays out. It is not a marketplace and does not bring buyers (facts).
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Related questions
Does Amazon KDP pay by bank transfer to Serbia?
Serbia was not among the 25 bank locations on KDP's Payment Options page on 10 November 2026. For an unlisted location, KDP says it likely does not support direct deposit or wire transfer, and its table shows check.
Why does KDP only offer me a check?
KDP sets payment methods by your bank's location. If that location is not on its list, the table under "Other" shows check only. KDP says checks have minimum payment thresholds and take longer to receive than electronic methods.
Can I use Payoneer or Wise for KDP royalties?
Both names were on KDP's list of participating payment service providers on 10 November 2026. KDP decides who is eligible to use a provider, and the provider must finish its identity check. Ask the provider if it serves your country.
Can I sell my ebook on my own site and on Amazon?
Only if the ebook is not enrolled in KDP Select. KDP says an enrolled Kindle eBook "can only be distributed through KDP and public libraries" during the 90-day enrollment period. Print and other formats can be distributed elsewhere.
Can I sell paperbacks through AgentaOS?
No. AgentaOS handles ebooks and other digital files only. It does not handle physical goods or anything shipped, so no paperbacks or print copies. Buyers pay by card, and AgentaOS pays out to your own bank account.
What lands in your bank?
Enter your price. See what you keep after the payment fee, in euros or dollars.
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Related
Sources: KDP, KDP Payment Options · KDP, Countries w/ EFT · KDP, Payment Service Provider Program Updates · KDP, Payment Service Provider Program FAQ · KDP, KDP Select Enrollment · AgentaOS facts · AgentaOS Terms · AgentaOS country guides. KDP pages opened 10 November 2026.