# Ko-fi Stripe Not Available? Sell Your Downloads Anyway (2026)

> Ko-fi says Stripe and PayPal are its only payment options. If neither works where you live, here is how to keep selling your downloads. Checked Nov 2026.

Source: https://agentaos.ai/answers/ko-fi-stripe-not-available (canonical HTML page). Publisher: AgentaOS.

# Ko-fi says Stripe is not available in my country. How do I keep selling?

**The problem** "I sell patterns and presets on my Ko-fi Shop. Stripe is not available in my country, and my PayPal can only send money."

**If Ko-fi's Stripe is not available in your country and PayPal cannot receive money there, Ko-fi cannot pay you, because those are its only two options.** You can still sell your downloads from your own page through a merchant of record, which takes the card payment as the official seller and pays you in EUR or USD. AgentaOS can sell your digital downloads, digital products and subscriptions; it cannot take tips, donations, commissions or other custom work for one client.

What Ko-fi says

## What does Ko-fi say if *Stripe is not in my country*?

Ko-fi's help article "Can I use Stripe in my country?" says three things (read 12 November 2026):

- "Creators in over 40 countries can use Stripe to accept payments from all around the world."
- "If Stripe isn't in your country yet, you can still use PayPal to accept payments."
- "Right now, Stripe and PayPal are our only payment options."

So Ko-fi without PayPal works only where Stripe works, and Ko-fi without Stripe works only where PayPal can receive.

Stripe's own [global availability page](https://stripe.com/global), opened 12 November 2026, does not list Serbia, Bosnia and Herzegovina, N. Macedonia, Montenegro, Albania, Pakistan, Ukraine, Egypt or Turkey. Full list: [which countries Stripe does not support](https://agentaos.ai/answers/which-countries-does-stripe-not-support).

In [our PayPal check](https://agentaos.ai/answers/paypal-cannot-receive-money-in-my-country) (6 October 2026), PayPal could not receive money in places including N. Macedonia, Montenegro, Kosovo, Pakistan, Bangladesh, Turkey and Ukraine. There, neither Ko-fi route can pay you.

What you can move

## What can a Ko-fi creator sell *through AgentaOS*?

A Ko-fi Shop alternative only helps if it accepts what you sell. Each row quotes the AgentaOS [Acceptable Use Policy](https://agentaos.ai/acceptable-use) or [Terms](https://agentaos.ai/terms), section 5.

| What you sell on Ko-fi | Through AgentaOS? | The exact rule |
|---|---|---|
| Digital downloads: patterns, presets, templates, ebooks | Yes | "digital products such as templates, tools, plugins, ebooks, and downloads" |
| Memberships that deliver digital content (a monthly pattern, a new preset pack) | Yes, as a subscription | "online courses, memberships, and digital content" and "subscriptions and access rights to digital services" |
| Memberships that only give access to a community | No | "standalone community access" |
| Tips and donations | No | "offerings with no bona fide digital Product, such as standalone community access, sponsorships, or donations" |
| Commissions (custom art or work made for one buyer) | No | "custom or per-client-scoped work, ever" |
| Physical goods (prints, yarn kits, stickers) | No | "physical goods or anything shipped" |

**Honestly:** if most of your Ko-fi income is tips or commissions, AgentaOS does not fit that part.

Step by step

## How do I move my Ko-fi downloads, *step by step*?

1. **Check what you sell.** Use the table above: digital downloads and memberships that deliver digital content can move; tips, donations, commissions, community-only memberships and physical goods cannot.

2. **Check your country.** Open your [country guide](https://agentaos.ai/countries) to see how you get paid, in which currency, and what your bank needs.

3. **Create a free account.** Sign up as an individual or a company. There is no monthly subscription.

4. **Recreate your products.** Same names, same files, same prices. For memberships, set the same monthly plan.

5. **Share the new links.** Put each checkout link where your buyers find you: your website, bio, emails or posts.

6. **Move members before they renew.** Email each member the new link and ask them to subscribe once before their next renewal.

Before you move

## What should you check before you move your downloads? A *checklist*
- **Your country.** Find your country guide and confirm the payout route: [country guides](https://agentaos.ai/countries).
- **What you sell.** Match each product to the table above.
- **Individual or company.** AgentaOS accepts both. You do not need a company to start.
- **Where your buyers are.** Cards issued outside the EEA add 1.5% to the fee.
- **Payout currency.** Payouts go to your own bank in EUR or USD. Check which your bank receives.
- **Existing members.** Members of a moved membership sign up again at the new link.

The wrong choice

## When is AgentaOS the *wrong choice*?

- **Most of your income is tips or donations.** Not allowed: "offerings with no bona fide digital Product, such as standalone community access, sponsorships, or donations" ([acceptable use](https://agentaos.ai/acceptable-use)).
- **You sell commissions.** Custom art or work made for one buyer is "custom or per-client-scoped work, ever" ([Terms, section 5](https://agentaos.ai/terms)).
- **Your membership only gives access to a community.** "standalone community access" is not allowed ([acceptable use](https://agentaos.ai/acceptable-use)).
- **You sell prints, yarn kits or stickers.** "physical goods or anything shipped" are not allowed ([Terms, section 5](https://agentaos.ai/terms)).

Where AgentaOS fits

## Where does *AgentaOS* fit for a Ko-fi creator?

AgentaOS is a [merchant of record](https://agentaos.ai/answers/what-is-a-merchant-of-record): the official seller to your buyer. It takes the card payment, charges and pays the VAT or sales tax, and pays you. You need no Stripe or PayPal account.

You pay 4.5% + €0.50 per sale with no monthly fee ([pricing](https://agentaos.ai/pricing)). Cards issued outside the EEA add 1.5%, so 6.0% + €0.50 in total ([pricing docs](https://docs.agentaos.ai/mor/pricing)). On a €10 pattern, tax included, that is €0.95 for a card from the EEA and €1.10 for a card from outside it. The free plan includes a store with 1 product ([pricing](https://agentaos.ai/pricing)).

Selling on Payhip too? Read the [Payhip alternative](https://agentaos.ai/payhip-alternative) page.

Questions

## Related *questions*

### Can I use Ko-fi if Stripe is not available in my country?

Yes, if PayPal can receive money there. Ko-fi's help says: "If Stripe isn't in your country yet, you can still use PayPal to accept payments." If PayPal is send-only or missing where you live, Ko-fi has no other way to pay you.

### Can I use Ko-fi without PayPal?

Only through Stripe. Ko-fi says: "Right now, Stripe and PayPal are our only payment options." If Stripe does not serve your country either, sell your downloads from your own checkout through a merchant of record.

### Can AgentaOS take Ko-fi tips or donations?

No. The Acceptable Use Policy excludes "offerings with no bona fide digital Product, such as standalone community access, sponsorships, or donations". AgentaOS sells the downloads and content subscriptions, not tips.

### Can I sell Ko-fi commissions through AgentaOS?

No. The Terms exclude "custom or per-client-scoped work, ever". A commission is made for one buyer. Ready-made patterns, presets, templates and ebooks are allowed.

### What does AgentaOS charge on a download sale?

4.5% + €0.50 per sale, with no monthly fee. Cards issued outside the EEA add 1.5%, so 6.0% + €0.50 in total. AgentaOS is the merchant of record, so it handles the VAT or sales tax as the seller.

Keep reading

## Related

[Which countries does Stripe not support?](https://agentaos.ai/answers/which-countries-does-stripe-not-support)[PayPal cannot receive money in my country](https://agentaos.ai/answers/paypal-cannot-receive-money-in-my-country)[What is a merchant of record?](https://agentaos.ai/answers/what-is-a-merchant-of-record)[Payhip alternative](https://agentaos.ai/payhip-alternative)[Ko-fi: Can I use Stripe in my country?](https://help.ko-fi.com/hc/en-us/articles/360009265834-Can-I-use-Stripe-in-my-country)[Stripe global availability](https://stripe.com/global)[AgentaOS Acceptable Use Policy](https://agentaos.ai/acceptable-use)[AgentaOS Terms](https://agentaos.ai/terms)[AgentaOS pricing](https://agentaos.ai/pricing)[AgentaOS pricing docs](https://docs.agentaos.ai/mor/pricing)