Is Sellfy a merchant of record, and what are the alternatives?
No. Sellfy’s own help page says “Sellfy is not considered the Merchant of Record” and that Sellfy “only offers integrations with Stripe and PayPal checkout at the moment.” Here is what that means next to a merchant of record.
| Sellfy | Merchant of record (AgentaOS) | |
|---|---|---|
| Who is the seller to your buyer | You | AgentaOS |
| Who collects and files VAT and sales tax | You, with Sellfy’s tools | AgentaOS |
| Payment account you need | Your own Stripe or PayPal | None; payouts to your own bank in EUR or USD, twice a month |
| Who processes refunds | Your Stripe or PayPal (“Sellfy does not directly process transactions or refunds”) | AgentaOS, as the seller; you can refund from the dashboard |
| Digital products and subscriptions | Yes | Yes |
| Physical goods and print-on-demand | Yes | No |
| Fixed-price service packages | Check Sellfy’s site | Yes, once approved |
| Storefront | Yes, Sellfy store | Checkout links, or a hosted Agenta Store |
| Fee | Sellfy plan, plus your Stripe or PayPal fees | 4.5% + 50 cents per sale, no monthly subscription |
Sources: Sellfy docs, merchant of record, Sellfy docs, how to get paid, read 12 November 2026; AgentaOS Terms, AgentaOS facts, pricing. “Check Sellfy’s site” means we did not verify it.
Honestly: if your own Stripe or PayPal works where you live and you are fine filing VAT yourself, Sellfy works. A merchant of record is worth it when you want the platform to be the seller, or when Stripe and PayPal cannot pay you.
How do I move from Sellfy, step by step?
- Check what you sell. Digital products, software, subscriptions and approved fixed-price service packages can move. Physical goods, print-on-demand, custom per-client work, tips and donations cannot (acceptable use).
- Check your country. Open your country guide to see how you get paid, in which currency, and what your bank needs.
- Create a free account. Sign up as an individual or a company. There is no monthly subscription.
- Recreate your products. Same names, same files, same prices. For subscriptions, set the same monthly or yearly plans.
- Swap your buy links. Replace each Sellfy “Buy” button on your site, bio or emails with the new checkout link. If you have no website, an Agenta Store gives you a store page.
- Keep Sellfy until your subscribers move. Leave your Sellfy store live until the last subscription renews there. Email each subscriber the new link and ask them to subscribe once before their next renewal.
- Close the old store and your tax setup. Once all sales run through the new checkout, ask your accountant what to close or file for the sales you made as the seller on Sellfy.
What should I check first? A checklist
- ✓Every product is digital, software, a subscription or a fixed-price package
- ✓You have a bank account in your name that takes EUR or USD
- ✓Your country is on the country list
- ✓A list of your products with prices, files and descriptions
- ✓A list of active subscribers with their renewal dates
- ✓Every place a Sellfy link appears: website, bio, emails, social posts
- ✓Your past Sellfy sales reports, downloaded, for your accountant
- ✓A short email to subscribers explaining the new link
- ✓Tax for past sales, asked of a local accountant
What if Stripe or PayPal cannot pay you?
Sellfy takes no payment itself, so your store can only take money if your own Stripe or PayPal account can receive it. Stripe does not open accounts in 37 of the 85 countries we track, including Albania, Serbia, N. Macedonia, Montenegro, Kosovo, Bosnia and Herzegovina and Pakistan (Stripe supported countries, re-checked 11 November 2026).
PayPal could not receive money in 11 of the 85 countries we checked, including N. Macedonia, Montenegro, Kosovo and Pakistan (PayPal can’t receive money, checked 6 October 2026). In those four, neither route works, so a Sellfy store there has no way to take a payment.
With a merchant of record, you connect no Stripe or PayPal account. AgentaOS is the legal seller, takes the card payment, handles the buyer’s VAT, invoices, refunds and chargebacks (Terms, section 2), and pays you out to your own bank.
When is a merchant of record the wrong choice?
- Physical goods or print-on-demand.AgentaOS cannot sell anything shipped (Terms, section 5). Stay on Sellfy or pick a store that ships.
- Custom or per-client work.Anything quoted per client or sold by the hour cannot be sold through AgentaOS. Invoice it yourself by bank transfer.
- Your Stripe or PayPal already works and VAT is under control.Then Sellfy does the job, and moving buys you little. Other merchants of record (Gumroad, Paddle, Lemon Squeezy, Polar, Dodo Payments, Creem) are listed on Gumroad alternatives; check each one’s own page.
Where does AgentaOS fit?
If you sell digital products or software from a country where Stripe or PayPal cannot pay you, AgentaOS is the seller, handles the buyer’s VAT and sales tax, and pays out to your own bank. If you ship anything, it is the wrong tool.
Related questions
Is Sellfy a merchant of record?
No. Sellfy’s own help page says “Sellfy is not considered the Merchant of Record.” You are the seller, so collecting and filing VAT and sales tax is your job, with Sellfy’s tools for EU VAT calculation and sales reports.
Can I use Sellfy without Stripe or PayPal?
No. Sellfy’s help page says it “only offers integrations with Stripe and PayPal checkout at the moment.” If neither can receive money in your country, your Sellfy store cannot take payments.
Which Sellfy alternatives are there in 2026?
It depends on what you sell. For physical goods or print-on-demand, a store that ships. For digital products, software or subscriptions, a merchant of record such as AgentaOS, Gumroad, Paddle, Lemon Squeezy, Polar, Dodo Payments or Creem. Check each one’s own page.
Can I sell print-on-demand or physical products on AgentaOS?
No. AgentaOS’s Terms do not allow physical goods or anything shipped. If you sell merch or print-on-demand, stay on Sellfy or use a store that ships.
What does AgentaOS charge?
4.5% + 50 cents per sale, with no monthly subscription, as listed on our pricing page. The full fee details are on our facts page.
Related
Sources: Sellfy docs, Why isn’t Sellfy the Merchant of Record? · Sellfy docs, How to get paid · AgentaOS Terms · AgentaOS acceptable use · AgentaOS facts · AgentaOS pricing · Stripe supported countries · PayPal can’t receive money · Gumroad alternatives
General information, not financial, tax or legal advice. Ask a local accountant about your own registration.