Which systeme.io payment gateway works in my country?
Systeme.io’s Payments help lists these gateways, with where each one says it works.
| Gateway | Where it works (its own page) | systeme.io’s guide |
|---|---|---|
| Stripe | Global page omits Serbia, Bosnia and Herzegovina, N. Macedonia, Montenegro, Albania, Kosovo, Pakistan, Egypt | “any supported Stripe country” (guide) |
| PayPal | Check its own country list | “PayPal Business account” (guide) |
| Mollie | Check its own country list | “a European (EU) account” (guide) |
| GoCardless | Listed countries: Europe, Australia, Canada, New Zealand, South Africa, US | Collects from the countries you configure (guide) |
| Razorpay | Check its own country list | “must be registered in India (IN)” (guide) |
| Flutterwave | Check its own country list | “must be registered in an African country” (guide) |
| Mercado Pago | Docs: Argentina, Brazil, Chile, Colombia, Mexico, Peru, Uruguay | Buyers in AR, BR, CL, CO, MX (guide) |
| Xendit | “Indonesia, Philippines, Malaysia, Thailand, and Vietnam” (docs) | Registered in Indonesia or the Philippines (guide) |
| Square | Check its own country list | Registered in “the US, Canada, Australia, the UK, France, Ireland, Spain, or Japan” (guide) |
| Secure and Pay | Check its own country list | EUR, GBP, USD; location not stated (guide) |
iDEAL, Bancontact, Multibanco and Klarna run through Stripe.
What this means. In N. Macedonia, Montenegro, Kosovo or Pakistan, no row fits: Stripe omits them, and in our PayPal check (6 October 2026) PayPal could not receive in any of them. In Serbia, PayPal could. In Egypt, Flutterwave may fit, because systeme.io accepts Flutterwave accounts registered in an African country; check Flutterwave’s own country list first. More: Mollie not available, where Stripe does not work.
How do I use systeme.io without Stripe?
- Confirm no gateway fits. If one does, use it.
- Create the product in AgentaOS. Products > New product, price in EUR or USD, One-time or Subscription (docs). Subscription unlocks in live mode once your business is verified.
- Send buyers back. Under After payment, click “+ Redirect buyers after payment” and set the Success URL to your systeme.io thank-you page.
- Point the buy button to your link. Set “Action when button clicked” to “Open URL” and paste the link (guide). The guide uses this for its own order form and does not mention outside URLs, so test on a draft page.
- Give access by hand. Assets > Courses, select the course, “Add student”, enter name and email, pick “Full access”, save. Systeme.io “automatically emails the student their login credentials” (guide).
- Or enroll with a tag. A “Tag added” automation rule enrolls every contact who gets the tag (guide). Tag each buyer by hand. Enrollment from a payment webhook is unverified today.
- Buy it yourself once. Check the thank-you page and access email.
What should you check first? A checklist
- ✓Your country. Confirm your payout route in the country guides.
- ✓What you sell. The Acceptable Use Policy allows “online courses, memberships, and digital content”. Coaching needs approval as a Service Package.
- ✓Individual or company. Both accepted.
- ✓Payout currency. EUR or USD, to your own bank.
When is AgentaOS the wrong choice?
- You sell physical goods, or custom work quoted per client.Not allowed: software, digital products, subscriptions and fixed-price service packages are (Terms, section 5).
- You need someone to bring you buyers.AgentaOS takes payments, handles tax and pays out. It is not a marketplace and does not bring buyers (facts).
- You need all the cash on day one.New accounts start with 15% of each sale held for 120 days (Terms, section 9).
Where does AgentaOS fit for a systeme.io seller?
AgentaOS is a merchant of record: the official seller to your buyer. It takes the card payment, handles the VAT or sales tax, and pays you, with no Stripe or PayPal account. Systeme.io keeps the pages, emails and course area.
You pay 4.5% + €0.50 per sale with no monthly fee (pricing). Cards issued outside the EEA add 1.5%, so 6.0% + €0.50 in total (pricing docs). On a €49 course, tax included: €2.71 with an EEA card, €3.44 with a non-EEA card.
Other platforms: platform payments not available.
Related questions
Can I use systeme.io without Stripe?
Yes. Systeme.io also lists PayPal, Mollie, GoCardless, Razorpay, Flutterwave, Mercado Pago, Xendit, Square and Secure and Pay. Each works only where it serves sellers. If none fits, link the buy button to an outside checkout.
Why is my systeme.io PayPal not receiving payments?
Systeme.io names wrong IPN settings, a delay of “up to 72 hours”, or a webhook PayPal failed to send. A send-only PayPal account, as in N. Macedonia and Montenegro in our check, cannot receive at all.
Which systeme.io payment gateway works in the Balkans or Pakistan?
For N. Macedonia, Montenegro, Kosovo and Pakistan, none in our check: Stripe does not list them and PayPal could not receive there. In Serbia, PayPal could receive. Elsewhere, check each gateway’s own country list.
Will my buyer get course access automatically?
Not with an outside checkout. You add the student in Assets > Courses, or add a tag that a “Tag added” rule turns into enrollment. Systeme.io then emails the login.
What does AgentaOS charge on a course sale?
4.5% + €0.50 per sale, with no monthly fee. Cards issued outside the EEA add 1.5%, so 6.0% + €0.50 in total. On a €49 course that is €2.71 or €3.44.
Related
Sources (opened 12 November 2026): systeme.io Payments help · systeme.io Stripe guide · systeme.io PayPal guide · systeme.io PayPal payments not appearing · systeme.io linking funnel pages · systeme.io add a student · systeme.io course access methods · Stripe global availability · GoCardless countries · Xendit getting started · Mercado Pago developer docs · AgentaOS Acceptable Use Policy · AgentaOS pricing · AgentaOS pricing docs · AgentaOS payment links
General information, not financial, tax or legal advice. Ask a local accountant about your own registration.