Revolut Business not available in my country: what can I do?
The problem“I wanted Revolut Business so buyers could pay by card on my site. My company is registered in Serbia. Revolut says my country is not supported yet.”
Revolut Business is not available in your country if your company is registered in Serbia, N. Macedonia, Albania, Bosnia and Herzegovina, Montenegro, Turkey or Ukraine. Revolut says the company “must be registered and able to prove its physical presence in the United Kingdom or the EEA”, and without a Business account you cannot open a Revolut Merchant account for card payments. To take card payments online from those 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?
- Revolut Business: “the company must be registered and able to prove its physical presence in the United Kingdom or the EEA” (Revolut help, read 9 November 2026). The same page also lists companies registered in the United States.
- Revolut Merchant account (card payments): you need “a verified, active Revolut Business account”, opened in one of 33 listed countries (Revolut help).
- Serbia, N. Macedonia, Albania, Bosnia and Herzegovina, Montenegro, Turkey and Ukraine are not in the EEA and not on either list.
- AgentaOS: 4.5% + €0.50 per sale, +1.5% on cards issued outside the EEA, no monthly fee (pricing, every fee).
- Payouts: to your own bank in 86 countries, in EUR or USD, on the 1st and 15th (countries).
Who is this for?
You live in a country Revolut Business does not serve yet, or your company is registered there. You sell online, for example a €49 template, a fixed brand kit or a monthly SaaS plan, and you hoped Revolut Business would let buyers pay you by card.
What does Revolut say about who can open an account?
Revolut’s help pages (read 9 November 2026) set three rules.
1. Where the company is registered. “To apply for a Revolut Business account, the company must be registered and able to prove its physical presence in the United Kingdom or the EEA. Additionally, the person who applies for a Business account must reside in a supported country” (Revolut help, eligible countries).
2. Where the applicant lives. For a UK or EEA company, Revolut lists the United Kingdom, the EEA, the United States, Australia, Singapore and India, plus some territories (same page). None of the seven countries above is named.
3. Card payments need a second account. “To open a Merchant account, you’ll need to have a verified, active Revolut Business account.” And “your Business account must be opened in one of the following countries: Australia, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, New Zealand, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Singapore, Spain, Sweden, and the United Kingdom” (Revolut help, Merchant account).
A personal account is not an option either. Revolut’s sign-up list for personal accounts covers Australia, Brazil, the EEA, Japan, New Zealand, Singapore, Switzerland, the United Kingdom and the United States, with Mexico on a waiting list. None of the seven is on it.
Revolut does take applications from other countries: “If your country isn’t supported yet, you can still apply. We’ll add your application to our prioritised waiting list and notify you as soon as our services become available.” (Revolut help)
Should I open a company in the EEA to qualify?
Some sellers consider it. Read Revolut’s rule first: the company must be “able to prove its physical presence” there, and the person who applies must live in a supported country (Revolut help). A company abroad also comes with its own bookkeeping and filings in that country. We compare that route with the others in Can I open a Stripe account in another country?
Is Revolut Business available in Serbia, N. Macedonia and nearby countries?
| Country | Revolut Business | Revolut Merchant account | AgentaOS payout route |
|---|---|---|---|
| Serbia | Not available | Not available | EUR by SEPA, or USD by Swift |
| N. Macedonia | Not available | Not available | EUR by SEPA, or USD by Swift |
| Albania | Not available | Not available | EUR by SEPA, or USD by Swift |
| Bosnia and Herzegovina | Not available | Not available | EUR or USD by Swift |
| Montenegro | Not available | Not available | EUR by SEPA, or USD by Swift |
| Turkey | Not available | Not available | EUR or USD by Swift |
| Ukraine | Not available | Not available | EUR or USD by Swift |
| Kosovo | Not available | Not available | EUR or USD by Swift (individuals only today) |
“Not available” means Revolut does not open accounts for companies registered in that country today. Sources: Revolut on Business accounts and Merchant accounts, read 9 November 2026. AgentaOS 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 |
How do I take card payments without Revolut Business, step by step?
- Check your country. Open your country guide. It shows who can sell and the payout route. In Kosovo, individuals only today.
- Join Revolut’s waiting list if you want. Revolut says you “can still apply” and it will notify you when its services become available (Revolut help). You can do that and still sell in the meantime.
- Open a EUR or USD account at your own bank. It must be in your own name. 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).
- Add your product and share the checkout link. 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.
Checklist: before your first card payment
- ✓My country is on the countries list
- ✓I have a EUR or USD account in my own name at my 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?
- You have a UK or EEA company and want a business account. Revolut Business is built for that. If your country is among its 33 Merchant account countries, it may cover your card payments too.
- You want a bank account. AgentaOS is not one. You still need your own bank account for payouts.
- You take payments in person. We do not offer card terminals.
- You sell physical goods. Not allowed (Terms).
- You quote custom work per client, or bill by the hour. Not allowed. Only fixed-price packages, once approved.
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Related questions
Is Revolut Business available in Serbia or N. Macedonia?
No. Revolut says the company "must be registered and able to prove its physical presence in the United Kingdom or the EEA". Serbia and N. Macedonia are not in the EEA, so a company registered there cannot open Revolut Business today.
Can I accept card payments with Revolut Business?
Only with a Revolut Merchant account on top. Revolut says you need "a verified, active Revolut Business account", opened in one of 33 listed countries. Without a Business account there is no Merchant account.
Which countries can open a Revolut Merchant account?
Revolut lists 33: the United Kingdom, Australia, New Zealand, Singapore and 29 European countries. Serbia, N. Macedonia, Albania, Bosnia and Herzegovina, Montenegro, Turkey and Ukraine are not on the list (read 9 November 2026).
What happens if I apply from a country Revolut Business does not serve yet?
Revolut says: "If your country isn't supported yet, you can still apply. We'll add your application to our prioritised waiting list and notify you as soon as our services become available."
How can I take card payments online without Revolut Business?
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.
What lands in your bank?
Enter your price. See what you keep after the payment fee, in euros or dollars.
€0 account, no cardSell as an individual or a company