Which Merchant of Record pays out to my country?
It depends on the country, and the lists change. In North Macedonia, Serbia, Albania and Bosnia most pay out. In Montenegro Lemon Squeezy, Polar and Gumroad do not, and in Kosovo only AgentaOS and Paddle accept sellers. Dodo stopped taking new sellers from Bangladesh, Egypt and Nigeria in March 2026.
Who pays out where
Yes means the provider’s own page lists the country for sellers or payouts.
Swipe the table sideways to see every provider →
| Seller in | AgentaOS | Paddle | Lemon Squeezy | Polar | Creem | Dodo | Gumroad | Stripe | PayPal |
|---|---|---|---|---|---|---|---|---|---|
| North Macedonia | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No | No |
| Serbia | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No | Yes |
| Albania | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No | Yes |
| Bosnia and Herzegovina | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No | Limited |
| Montenegro | Yes | Yes | No | No | Yes | Yes | No | No | No |
| Kosovo | Yes | Yes | No | No | No | No | No | No | No |
| Pakistan | Yes | Yes | Yes | Yes | Limited | No | Yes | No | No |
| Bangladesh | Yes | Yes | Yes | Yes | Limited | No | Yes | No | No |
| Egypt | Yes | Yes | Yes | Yes | Yes | No | Yes | No | Yes |
| Nigeria | Yes | Yes | Yes | Yes | Yes | No | Yes | Limited | Limited |
Checked 6 October 2026 on each provider’s own country page; tap a cell for the source. Paddle is built for software, and Paddle and Lemon Squeezy do not allow services like coaching or consulting. Stripe and PayPal shown for comparison: Stripe means opening your own account, PayPal means receiving money.
Before you pick one
Check what you sell. Paddle is built for software companies, and both Paddle and Lemon Squeezy prohibit services such as coaching, consulting or design. Selling services or done-for-you packages needs another provider.
Check how the money arrives. Some providers fall back to PayPal where they have no bank route, and PayPal cannot receive money in North Macedonia, Montenegro or Kosovo.
Check the fee on the payout, not only on the sale. A Swift transfer can cost €5 to €35. See each country guide for what lands in your account.
Related questions
Is Stripe a Merchant of Record?
Stripe itself is a payment processor: you are the seller. Its own Merchant of Record product, Managed Payments, is open only to businesses in 35 locations, none of the countries above, and excludes services like consulting and coaching.
Which is cheapest?
Compare the full cost, including payout and transfer fees. Our calculator shows what lands in your bank.
Know what to charge before you launch
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Related
Sources: Paddle supported countries · Lemon Squeezy supported countries · Polar supported countries · Creem supported countries · Dodo accepted countries · Gumroad getting paid