# Which payment gateway works in Albania for WooCommerce or your website?

> Which payment gateway works in Albania for WooCommerce or your website: a local gateway such as Paysera, licensed by the Bank of Albania, or a merchant of record that also takes individuals. Stripe is not available. Fees, setup and who handles VAT.

Source: https://agentaos.ai/answers/payment-gateway-albania (canonical HTML page). Publisher: AgentaOS.

**The problem:** “I want to take card payments on my website or WooCommerce store in Albania. Stripe is not available. What do I use?”

Stripe is not available in Albania, but you have options. Local gateways: Paysera holds an electronic money licence from the Bank of Albania that covers a payment gateway for online stores; you stay the seller, so VAT for buyers abroad is yours. Kordiva offers a Stripe-powered store for registered businesses and sole traders and lists Albania among its markets. A merchant of record like AgentaOS, the merchant of record for AI agents, is the legal seller: you, or your AI agent in Claude, ChatGPT or Cursor, create the products and checkout; it takes individuals and companies, charges each buyer’s VAT, sells one-time products, subscriptions and services, and pays you to your own bank in Albania in EUR or USD, twice a month.

Written by Panche Isajeski, founder of AgentaOS (one of the options below). Checked 24 October 2026 on each provider’s own page.

## Every option in Albania

| Option | Who can use it | Who handles VAT abroad | Fees (as published) | WooCommerce |
|---|---|---|---|---|
| Paysera Albania | Businesses with a Paysera account and a working website | You | Set by Paysera | Ask Paysera |
| Kordiva Business Commerce | Registered businesses and sole traders (Kordiva lists North Macedonia, Serbia, Bosnia and Herzegovina, Albania) | You | From $5/month; Basic plan estimates 4.9% + $0.30 per card sale including Stripe processing | Checkout Links, storefront or API |
| AgentaOS (merchant of record) | Individuals and companies; digital products, subscriptions and services | AgentaOS | 4.5% + €0.50 per sale (+1.5% international cards); Pro €49/month: 4% + €0.40 | Buy link as a WooCommerce External product or a Button block; no plugin |
| Stripe | Not available for sellers based in Albania | – | – | – |

## How do I add it to WooCommerce?

1. **A local gateway.** Open a business account with a licensed provider such as Paysera and ask for its e-commerce gateway and the integration it supports for WooCommerce.
2. **AgentaOS on WooCommerce.** Create the product in AgentaOS, copy its buyer link, and in WooCommerce add a product with Product data set to External/Affiliate product and the buyer link as Product URL. The sale, invoice and buyer VAT happen on the AgentaOS checkout. Full WordPress and WooCommerce steps.

## Which one should I pick?

- **Registered business selling to buyers in Albania, paid in lek:** A local licensed gateway such as Paysera.
- **Registered business that wants a hosted store with Stripe-powered payments:** Kordiva Business Commerce.
- **Building with AI tools, or selling an AI app with credits or subscriptions:** AgentaOS: your AI agent sets up products, checkouts and subscriptions for you over MCP in Claude, ChatGPT or Cursor, and credits or usage plans work out of the box.
- **Individual, or selling digital products, subscriptions or services to buyers abroad:** A merchant of record such as AgentaOS, so you do not register for VAT in other countries.

## Building your product with AI?

- **Build the product with your AI agent:** the AgentaOS skills (github.com/AgentaOS/skills) teach Claude Code, Cursor or Codex to add checkout, subscriptions, webhooks and login: `npx skills add AgentaOS/skills`.
- **Start from a ready app:** the Next.js starter (github.com/AgentaOS/agentaos-nextjs-template) has two plans, a one-time product, an account page and verified webhooks, ready to deploy.
- **Let the agent run your store:** connect the AgentaOS MCP server to Claude, ChatGPT or Cursor; your agent creates products, checkout links and subscriptions and takes you live.

## Related questions

### Is Stripe available in Albania?

No. Albania is not on Stripe’s list of supported countries, so a business based there cannot open its own Stripe account. Merchants of record like AgentaOS work without one.

### Is there a WooCommerce payment plugin for Albania?

WooCommerce has no built-in gateway for Albanian sellers. Local providers such as Paysera offer e-commerce gateways to registered businesses; ask them for their WooCommerce integration. Without one, you can sell from WooCommerce with a merchant of record’s buy link set as an External/Affiliate product.

### Can I accept card payments online as an individual in Albania?

Yes, through a merchant of record, which is the legal seller of each sale; AgentaOS takes individuals for digital products, subscriptions and services. Bank gateways need a registered business.

### Who pays VAT for buyers in other countries?

With a bank or regional gateway you are the seller, so foreign VAT rules are yours. With a merchant of record, it charges and files the buyer’s VAT or sales tax.

### Can my AI agent set up payments for me in Albania?

Yes, with AgentaOS. Connect the AgentaOS MCP server (hosted at mcp.agentaos.ai) to Claude, ChatGPT or Cursor and your agent can create products, checkout links and subscriptions for you; you approve the connection once. Bank gateways need forms and contracts filled in by you.

### How does AgentaOS pay me?

AgentaOS pays you to your own bank in Albania in EUR or USD, twice a month. The first payout comes 14 days after each sale, from €50 or $50.

Sources: [Stripe supported countries](https://stripe.com/global), [Paysera Albania e-money licence](https://paysera.lt/v2/en-LT/blog/paysera-albania-emi), [Kordiva pricing](https://kordiva.com/en/pricing/), [AgentaOS supported countries](https://docs.agentaos.ai/mor/supported-countries), checked 24 October 2026.