# Mollie not available in my country: what can I do?

> Mollie serves companies in the EEA, Switzerland and the UK only, so Serbia and N. Macedonia are not on its list. How to take card payments instead.

**The problem:** "I wanted Mollie so EU buyers could pay by card on my site. My company is in Serbia, and Serbia is not on the list."

Mollie is not available in your country if your company is based in Serbia, N. Macedonia, Albania, Bosnia and Herzegovina, Montenegro, Turkey or Ukraine. Mollie says it offers its services “to companies based within the European Economic Area (EEA), Switzerland or the United Kingdom”, 32 countries in all. To take card payments online from those seven countries, sell a fixed-price product, SaaS plan or package through a merchant of record such as AgentaOS: the buyer pays by card, AgentaOS is the official seller and adds VAT, and you get paid to your own bank.

## What are the key facts?

- **Mollie:** “We offer our services to companies based within the European Economic Area (EEA), Switzerland or the United Kingdom.” ([Mollie Support](https://help.mollie.com/hc/en-us/articles/115002116105-Can-I-use-Mollie-s-services-in-my-country), read 9 November 2026)
- **The list:** 32 countries. Serbia, N. Macedonia, Albania, Bosnia and Herzegovina, Montenegro, Turkey and Ukraine are not on it.
- **Bank account:** “To sign up with Mollie, you must have an IBAN or UK bank account.” (same page)
- **AgentaOS:** 4.5% + €0.50 per sale, +1.5% on cards issued outside the EEA, no monthly fee ([pricing](https://agentaos.ai/pricing), [every fee](https://agentaos.ai/merchant-of-record-fees)).
- **Payouts:** to your own bank in 86 countries, in EUR or USD, on the 1st and 15th ([countries](https://agentaos.ai/countries)).

## Who is this for?

Your company is based in a country Mollie does not list. You sell online to buyers in the EU and elsewhere, for example a €49 template, a fixed brand kit or a monthly SaaS plan, and you hoped Mollie would let them pay you by card.

## What does Mollie say about where it works?

Mollie’s support page (read 9 November 2026): “We offer our services to companies based within the European Economic Area (EEA), Switzerland or the United Kingdom. The full list includes:” Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, The Netherlands, Norway, Poland, Portugal, Romania, Slovenia, Slovakia, Spain, Sweden, Switzerland and the United Kingdom ([Mollie Support](https://help.mollie.com/hc/en-us/articles/115002116105-Can-I-use-Mollie-s-services-in-my-country)). That is 32 countries.

The same page adds: “To sign up with Mollie, you must have an IBAN or UK bank account.”

None of Serbia, N. Macedonia, Albania, Bosnia and Herzegovina, Montenegro, Turkey or Ukraine is on the list, so a company based there cannot open a Mollie account today.

## Should I open a company in the EEA to qualify?

Some sellers consider it. Mollie’s rule is about where the company is based, so it would mean a real company in a listed country, with its own bookkeeping and filings there. We compare that route with the others in [Can I open a Stripe account in another country?](https://agentaos.ai/answers/can-i-open-a-stripe-account-in-another-country)

## Is Mollie available in Serbia, N. Macedonia and nearby countries?

|Country|On Mollie’s list|AgentaOS payout route|
|[Serbia](https://agentaos.ai/countries/serbia)|Not listed|EUR by SEPA, or USD by Swift|
|[N. Macedonia](https://agentaos.ai/countries/north-macedonia)|Not listed|EUR by SEPA, or USD by Swift|
|[Albania](https://agentaos.ai/countries/albania)|Not listed|EUR by SEPA, or USD by Swift|
|[Bosnia and Herzegovina](https://agentaos.ai/countries/bosnia-and-herzegovina)|Not listed|EUR or USD by Swift|
|[Montenegro](https://agentaos.ai/countries/montenegro)|Not listed|EUR by SEPA, or USD by Swift|
|[Turkey](https://agentaos.ai/countries/turkey)|Not listed|EUR or USD by Swift|
|[Ukraine](https://agentaos.ai/countries/ukraine)|Not listed|EUR or USD by Swift|
|[Kosovo](https://agentaos.ai/countries/kosovo)|Not listed|EUR or USD by Swift (individuals only today)|

“Not listed”: not among the 32 countries on Mollie’s [support page](https://help.mollie.com/hc/en-us/articles/115002116105-Can-I-use-Mollie-s-services-in-my-country), read 9 November 2026. Payout routes: each country guide, linked in the first column.

## What does a €49 template leave you?

A buyer pays €49 for your template. With a German card, Germany is in the EEA, so no card surcharge applies. With a card issued outside the EEA, for example in the US, the percentage is 4.5% + 1.5% = 6%.

||EEA card (Germany)|Card from outside the EEA (US)|
|Percentage|4.5%|4.5% + 1.5% = 6%|
|Percentage fee|€2.205|€2.94|
|Fixed fee|€0.50|€0.50|
|Total fee|€2.705, about €2.71|€3.44|
|You get|€46.295, about €46.30|€45.56|

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)). On a new account, up to 15% of each sale is held for 120 days and then released ([Terms](https://agentaos.ai/terms)). On this sale, that is up to €7.35.

## How do I take card payments without Mollie, step by step?

- **Check your country.** Open [your country guide](https://agentaos.ai/countries). It shows who can sell and the payout route. In Kosovo, individuals only today.
- **Open a EUR or USD account at your own bank.** AgentaOS is not a bank account. Payouts go to yours.
- **Make what you sell fixed-price.** A digital product, a SaaS plan, or a package with a set scope and price, the same for every buyer.
- **Create your free account and verify.** As an individual or a company. No company abroad is needed. Service packages are approved per account ([Terms](https://agentaos.ai/terms)).
- **Add your product and copy the checkout link.** Put the link on your site, in an email or in your bio.
- **The buyer pays.** By card, Apple Pay or Google Pay. AgentaOS is the official seller: it adds VAT or sales tax for the buyer, issues the invoice and handles refunds.
- **Deliver, then get paid.** Payouts run on the 1st and 15th, from €50 or $50. The first payout comes 14 days after the sale. Then [declare the income at home](https://agentaos.ai/answers/how-to-declare-merchant-of-record-payouts).

## Checklist: before your first card payment

- ✓**My country is on the [countries list](https://agentaos.ai/countries)
- ✓**I have a EUR or USD account at my own bank
- ✓**I sell a digital product, a SaaS plan or a fixed-price package, not physical goods, custom per-client work or hourly work
- ✓**I know the fee: 4.5% + €0.50 per sale, +1.5% on cards issued outside the EEA
- ✓**I expect up to 15% of each sale to be held for 120 days on a new account
- ✓**I know the payout days: the 1st and 15th, from €50 or $50
- ✓**My accountant knows about income from abroad

## When is AgentaOS the wrong choice?

- **Your company is in one of the 32 listed countries and you want your own payment processor.** Mollie is built for that.
- **You sell physical goods.** Not allowed ([Terms](https://agentaos.ai/terms)). A local gateway fits better: see [Bosnia and Herzegovina](https://agentaos.ai/answers/payment-gateway-bosnia-and-herzegovina) or [Albania](https://agentaos.ai/answers/payment-gateway-albania).
- **You quote custom work per client, or bill by the hour.** Not allowed. Only fixed-price packages, once approved.
- **You take payments in person.** We do not offer card terminals.

## Related questions

### Is Mollie available in Serbia or N. Macedonia?

No. Mollie says it offers its services "to companies based within the European Economic Area (EEA), Switzerland or the United Kingdom". Serbia and N. Macedonia are not on its list of 32 countries.

### Which countries does Mollie support?

Mollie's support page lists 32: the 30 countries of the EEA, plus Switzerland and the United Kingdom (read 9 November 2026).

### Do I need an EU bank account for Mollie?

Mollie says: "To sign up with Mollie, you must have an IBAN or UK bank account." It also requires the company to be based in one of its listed countries.

### Is Mollie available in Turkey or Ukraine?

No. Neither country is on Mollie's list, which covers the EEA, Switzerland and the United Kingdom.

### How can I take card payments from EU buyers without Mollie?

Sell a fixed-price product, SaaS plan or package through a merchant of record such as AgentaOS. The buyer pays by card, AgentaOS is the official seller and adds VAT, and you get paid to your own bank in EUR or USD on the 1st and 15th.

Reviewed by Panche Isajeski, founder of AgentaOS. Checked 9 November 2026.

https://agentaos.ai/answers/mollie-not-available-in-my-country