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

> Which payment gateway works in Kosovo for WooCommerce or your website: a bank e-commerce gateway such as Raiffeisen Bank Kosovo, which has its own WooCommerce plugin, 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-kosovo (canonical HTML page). Publisher: AgentaOS.

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

Stripe is not available in Kosovo, but you have options. Bank gateways: Raiffeisen Bank Kosovo offers an e-commerce gateway with its own WooCommerce plugin, and TEB and ProCredit also offer online card acceptance to businesses. With a bank gateway you stay the seller, so VAT for buyers abroad is yours. 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 a stablecoin wallet in EURC or USDC, twice a month; bank payouts to Kosovo are not available yet.

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 Kosovo

| Option | Who can use it | Who handles VAT abroad | Fees (as published) | WooCommerce |
|---|---|---|---|---|
| Raiffeisen Bank Kosovo e-commerce | Businesses with a Raiffeisen e-commerce contract | You | Set in your bank contract | Raiffeisen Payment Gateway plugin |
| TEB, ProCredit e-commerce | Businesses with a merchant contract | You | Set in your bank contract | Ask the bank |
| 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 Kosovo | – | – | – |

## How do I add it to WooCommerce?

1. **Raiffeisen on WooCommerce.** Sign an e-commerce agreement with Raiffeisen Bank Kosovo, then install the Raiffeisen Payment Gateway plugin from the WordPress plugin directory and connect it with the details the bank gives you.
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 Kosovo, paid to a Kosovo bank account:** A bank gateway such as Raiffeisen Bank Kosovo.
- **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 Kosovo?

No. Kosovo 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 Kosovo?

Yes. Raiffeisen Bank Kosovo has its own WooCommerce plugin, the Raiffeisen Payment Gateway, for businesses with its e-commerce contract. Without a bank contract, 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 Kosovo?

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 Kosovo?

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 a stablecoin wallet in EURC or USDC, twice a month; bank payouts to Kosovo are not available yet. The first payout comes 14 days after each sale, from €50 or $50.

Sources: [Stripe supported countries](https://stripe.com/global), [Raiffeisen Bank Kosovo e-commerce](https://www.raiffeisen-kosovo.com/en/business/pranimi-i-pagesave/raiffeisen-e-commerce.html), [TEB Kosovo online payments](https://teb-kos.com/?p=6653), [ProCredit Kosovo e-commerce](https://www.procreditbank-kos.com/eng/business-clients/services/e-commerce), [AgentaOS supported countries](https://docs.agentaos.ai/mor/supported-countries), checked 24 October 2026.