# Supported Countries: Paddle, Lemon Squeezy, Polar, Dodo

> Paddle, Lemon Squeezy, Polar, Creem, Dodo, Gumroad and AgentaOS, checked country by country on each provider’s own page.

Source: https://agentaos.ai/answers/which-merchant-of-record-pays-out-to-my-country (canonical HTML page). Publisher: AgentaOS (Aristokrates OÜ, Estonia).

[Home](https://agentaos.ai/)/[Answers](https://agentaos.ai/answers)/Which MoR pays out

Choosing a platform

# Which Merchant of Record pays out to my country?

**The problem**“I signed up, built my checkout, and then found out they can’t pay me where I live.”

**Check the payout country list before you build.** In our check of 85 payout countries, Polar could not pay out in 11, Dodo would not onboard new sellers in 8, and Lemon Squeezy had no route at all in 5. In Kosovo, only AgentaOS and Paddle (software only) accept sellers.

Reviewed by [Panche Isajeski](https://agentaos.ai/about), founder of AgentaOS, 19+ years in payments, [featured on Indie Hackers](https://www.indiehackers.com/post/tech/starting-from-scratch-and-hitting-9-5k-mrr-in-two-months-j5pMaED5FEbKw8qmeyj9). Checked 6 October 2026. General information, not financial, tax or legal advice.

[Check your country](https://agentaos.ai/countries)[Get started free](https://app.agentaos.ai/?src=answer-which-merchant-of-record-pays-out-to-my-country)

The numbers

## How often does a platform *not pay out*?

Across [our check of 85 payout countries](https://agentaos.ai/countries) on 6 October 2026: Polar no payout in **11** (Stripe Connect Express coverage), Dodo no new sellers in **8** (closed to Bangladesh, Egypt, Morocco, Nigeria and Ukraine since 23 March 2026), Lemon Squeezy no route in **5**, Creem missing **1** (Kosovo), Paddle **0** but software only.

> “Merchant accounts are supported only where KYC documentation is issued in the countries listed”
>
> Source: [Dodo Payments docs](https://docs.dodopayments.com/miscellaneous/accepted-countries-and-territories)

Country by country

## 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](https://agentaos.ai/countries/north-macedonia) | Yes | [Yes](https://www.paddle.com/help/start/intro-to-paddle/which-countries-are-supported-by-paddle "Built for software companies, anywhere outside its unsupported list. Pure services such as coaching or consulting are not allowed.") | [Yes](https://docs.lemonsqueezy.com/help/getting-started/supported-countries "North Macedonia is on its bank payout list.") | [Yes](https://polar.sh/docs/merchant-of-record/supported-countries "North Macedonia is on its payout list (Stripe Connect Express).") | [Yes](https://docs.creem.io/merchant-of-record/supported-countries "North Macedonia is on its supported countries table.") | [Yes](https://docs.dodopayments.com/miscellaneous/accepted-countries-and-territories "North Macedonia is on its accepted ID-issuing countries.") | [Yes](https://gumroad.com/help/article/13-getting-paid "Bank payouts in MKD, minimum 1,500 MKD.") | [No](https://stripe.com/global "North Macedonia is not on Stripe's list of supported countries.") | [No](https://www.paypal.com/mk/home "Send only: the North Macedonia site offers sending payments, not receiving them.") |
| [Serbia](https://agentaos.ai/countries/serbia) | Yes | [Yes](https://www.paddle.com/help/start/intro-to-paddle/which-countries-are-supported-by-paddle "Built for software companies, anywhere outside its unsupported list. Pure services such as coaching or consulting are not allowed.") | [Yes](https://docs.lemonsqueezy.com/help/getting-started/supported-countries "Serbia is on its bank payout list.") | [Yes](https://polar.sh/docs/merchant-of-record/supported-countries "Serbia is on its payout list (Stripe Connect Express).") | [Yes](https://docs.creem.io/merchant-of-record/supported-countries "Serbia is on its supported countries table.") | [Yes](https://docs.dodopayments.com/miscellaneous/accepted-countries-and-territories "Serbia is on its accepted ID-issuing countries.") | [Yes](https://gumroad.com/help/article/13-getting-paid "Bank payouts in RSD, minimum 3,000 RSD.") | [No](https://stripe.com/global "Serbia is not on Stripe's list of supported countries.") | [Yes](https://www.paypal.com/rs/home "Send and receive. Withdrawal to a local bank costs 550 RSD.") |
| [Albania](https://agentaos.ai/countries/albania) | Yes | [Yes](https://www.paddle.com/help/start/intro-to-paddle/which-countries-are-supported-by-paddle "Built for software companies, anywhere outside its unsupported list. Pure services such as coaching or consulting are not allowed.") | [Yes](https://docs.lemonsqueezy.com/help/getting-started/supported-countries "Albania is on its bank payout list.") | [Yes](https://polar.sh/docs/merchant-of-record/supported-countries "Albania is on its payout list (Stripe Connect Express).") | [Yes](https://docs.creem.io/merchant-of-record/supported-countries "Albania is on its supported countries table.") | [Yes](https://docs.dodopayments.com/miscellaneous/accepted-countries-and-territories "Albania is on its accepted ID-issuing countries.") | [Yes](https://gumroad.com/help/article/13-getting-paid "Bank payouts in ALL, minimum 3,000 ALL.") | [No](https://stripe.com/global "Albania is not on Stripe's list of supported countries.") | [Yes](https://www.paypal.com/al/home "Send and receive. Withdrawal to a local bank costs 536 ALL.") |
| [Bosnia and Herzegovina](https://agentaos.ai/countries/bosnia-and-herzegovina) | Yes | [Yes](https://www.paddle.com/help/start/intro-to-paddle/which-countries-are-supported-by-paddle "Built for software companies, anywhere outside its unsupported list. Pure services such as coaching or consulting are not allowed.") | [Yes](https://docs.lemonsqueezy.com/help/getting-started/supported-countries "Bosnia and Herzegovina is on its bank payout list.") | [Yes](https://polar.sh/docs/merchant-of-record/supported-countries "Bosnia and Herzegovina is on its payout list (Stripe Connect Express).") | [Yes](https://docs.creem.io/merchant-of-record/supported-countries "Bosnia and Herzegovina is on its supported countries table.") | [Yes](https://docs.dodopayments.com/miscellaneous/accepted-countries-and-territories "Bosnia and Herzegovina is on its accepted ID-issuing countries.") | [Yes](https://gumroad.com/help/article/13-getting-paid "Bank payouts in BAM, minimum 50 BAM.") | [No](https://stripe.com/global "Bosnia and Herzegovina is not on Stripe's list of supported countries.") | [Limited](https://www.paypal.com/ba/home "Send and receive, but withdrawals are listed only to cards, not to a local bank.") |
| [Montenegro](https://agentaos.ai/countries/montenegro) | Yes | [Yes](https://www.paddle.com/help/start/intro-to-paddle/which-countries-are-supported-by-paddle "Built for software companies, anywhere outside its unsupported list. Pure services such as coaching or consulting are not allowed.") | [No](https://docs.lemonsqueezy.com/help/getting-started/supported-countries "Montenegro is not on its bank payout list, and the PayPal fallback needs PayPal to receive.") | [No](https://polar.sh/docs/merchant-of-record/supported-countries "Montenegro is not on its payout list.") | [Yes](https://docs.creem.io/merchant-of-record/supported-countries "Montenegro is on its supported countries table.") | [Yes](https://docs.dodopayments.com/miscellaneous/accepted-countries-and-territories "Montenegro is on its accepted ID-issuing countries.") | [No](https://gumroad.com/help/article/13-getting-paid "Not on its bank payout table, so PayPal only, and PayPal cannot receive in Montenegro.") | [No](https://stripe.com/global "Montenegro is not on Stripe's list of supported countries.") | [No](https://www.paypal.com/me/home "Send only: the Montenegro site offers sending payments, not receiving them.") |
| [Kosovo](https://agentaos.ai/countries/kosovo) | Yes | [Yes](https://www.paddle.com/help/start/intro-to-paddle/which-countries-are-supported-by-paddle "Built for software companies, anywhere outside its unsupported list. Pure services such as coaching or consulting are not allowed.") | [No](https://docs.lemonsqueezy.com/help/getting-started/supported-countries "Kosovo is not on its bank payout list, and PayPal does not serve Kosovo.") | [No](https://polar.sh/docs/merchant-of-record/supported-countries "Kosovo is not on its payout list.") | [No](https://docs.creem.io/merchant-of-record/supported-countries "Kosovo is not on its supported countries table.") | [No](https://docs.dodopayments.com/miscellaneous/accepted-countries-and-territories "Kosovo is not on its accepted ID-issuing countries.") | [No](https://gumroad.com/help/article/13-getting-paid "Not on its bank payout table, and PayPal does not serve Kosovo.") | [No](https://stripe.com/global "Kosovo is not on Stripe's list of supported countries.") | [No](https://www.paypal.com/us/webapps/mpp/country-worldwide "Kosovo is not on PayPal's list of countries.") |
| [Pakistan](https://agentaos.ai/countries/pakistan) | Yes | [Yes](https://www.paddle.com/help/start/intro-to-paddle/which-countries-are-supported-by-paddle "Built for software companies, anywhere outside its unsupported list. Pure services such as coaching or consulting are not allowed.") | [Yes](https://docs.lemonsqueezy.com/help/getting-started/supported-countries "Pakistan is on its bank payout list.") | [Yes](https://polar.sh/docs/merchant-of-record/supported-countries "Pakistan is on its payout list (Stripe Connect Express).") | [Limited](https://docs.creem.io/merchant-of-record/supported-countries "Listed with bank partner restrictions, such as personal accounts only.") | [No](https://docs.dodopayments.com/miscellaneous/accepted-countries-and-territories "Pakistan is not on its accepted countries.") | [Yes](https://gumroad.com/help/article/13-getting-paid "Bank payouts in PKR.") | [No](https://stripe.com/global "Pakistan is not on Stripe's list for payments; Stripe marks it Payments not supported yet.") | [No](https://www.paypal.com/us/webapps/mpp/country-worldwide "Pakistan is not on PayPal's list of countries.") |
| [Bangladesh](https://agentaos.ai/countries/bangladesh) | Yes | [Yes](https://www.paddle.com/help/start/intro-to-paddle/which-countries-are-supported-by-paddle "Built for software companies, anywhere outside its unsupported list. Pure services such as coaching or consulting are not allowed.") | [Yes](https://docs.lemonsqueezy.com/help/getting-started/supported-countries "Bangladesh is on its bank payout list.") | [Yes](https://polar.sh/docs/merchant-of-record/supported-countries "Bangladesh is on its payout list (Stripe Connect Express).") | [Limited](https://docs.creem.io/merchant-of-record/supported-countries "Listed with bank partner restrictions, such as personal accounts only.") | [No](https://docs.dodopayments.com/miscellaneous/accepted-countries-and-territories "Only merchants who joined before March 2026 are kept; new sellers cannot join.") | [Yes](https://gumroad.com/help/article/13-getting-paid "Bank payouts in BDT.") | [No](https://stripe.com/global "Bangladesh is not on Stripe's list for payments; Stripe marks it Payments not supported yet.") | [No](https://www.paypal.com/us/webapps/mpp/country-worldwide "Bangladesh is not on PayPal's list of countries.") |
| [Egypt](https://agentaos.ai/countries/egypt) | Yes | [Yes](https://www.paddle.com/help/start/intro-to-paddle/which-countries-are-supported-by-paddle "Built for software companies, anywhere outside its unsupported list. Pure services such as coaching or consulting are not allowed.") | [Yes](https://docs.lemonsqueezy.com/help/getting-started/supported-countries "Egypt is on its bank payout list.") | [Yes](https://polar.sh/docs/merchant-of-record/supported-countries "Egypt is on its payout list (Stripe Connect Express).") | [Yes](https://docs.creem.io/merchant-of-record/supported-countries "Egypt is on its supported countries table.") | [No](https://docs.dodopayments.com/miscellaneous/accepted-countries-and-territories "Only merchants who joined before 23 March 2026 are kept; new sellers cannot join.") | [Yes](https://gumroad.com/help/article/13-getting-paid "Bank payouts in EGP.") | [No](https://stripe.com/global "Egypt is not on Stripe's list for payments; Stripe marks it Payments not supported yet.") | [Yes](https://www.paypal.com/eg/business?locale.x=en_EG "Send and receive, with a business section for accepting payments.") |
| [Nigeria](https://agentaos.ai/countries/nigeria) | Yes | [Yes](https://www.paddle.com/help/start/intro-to-paddle/which-countries-are-supported-by-paddle "Built for software companies, anywhere outside its unsupported list. Pure services such as coaching or consulting are not allowed.") | [Yes](https://docs.lemonsqueezy.com/help/getting-started/supported-countries "Nigeria is on its bank payout list.") | [Yes](https://polar.sh/docs/merchant-of-record/supported-countries "Nigeria is on its payout list (Stripe Connect Express).") | [Yes](https://docs.creem.io/merchant-of-record/supported-countries "Nigeria is on its supported countries table.") | [No](https://docs.dodopayments.com/miscellaneous/accepted-countries-and-territories "Only merchants who joined before March 2026 are kept, under extra monitoring; new sellers cannot join.") | [Yes](https://gumroad.com/help/article/13-getting-paid "Bank payouts in NGN, sent on Tuesdays.") | [Limited](https://stripe.com/global "Listed as Extended network: sign-up goes through Paystack, not Stripe itself.") | [Limited](https://www.paypal.com/ng/home "The Nigeria site offers sending payments; receiving is only where available.") |

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 choose

## What else should I *check*?

- **Picking only on the headline fee**A Swift payout can cost €5 to €35, and PayPal-only payouts are always in USD.
- **Ignoring what you sell**Paddle is built for software; Paddle and Lemon Squeezy prohibit services.

Where AgentaOS fits

## Where does *AgentaOS* fit?

AgentaOS pays out to 86 countries by local bank, Swift or stablecoin wallet. [Check yours](https://agentaos.ai/countries).

Change how you sell. Grow revenue 4×.

Answer 3 questions and get a free audit of your price and checkout, from the founder. Free, in 2 working days.

[Get my free audit →](https://agentaos.ai/apply?src=seo-answers-which-merchant-of-record-pays-out-to-my-country)

Questions

## Related *questions*

### Is Stripe a Merchant of Record?

Not when used directly. Its Managed Payments product is open only in 35 locations, none in the Balkans, South Asia or Africa.

Keep reading

## Related

[Which countries does Stripe not support? (2026 list)](https://agentaos.ai/answers/which-countries-does-stripe-not-support)[Stripe isn’t available in my country. How do I get paid?](https://agentaos.ai/answers/stripe-not-available-in-my-country)[What is a Merchant of Record, and do I need one?](https://agentaos.ai/answers/what-is-a-merchant-of-record)[Can you sell from your country?](https://agentaos.ai/countries)

Sources: [Paddle supported countries](https://www.paddle.com/help/start/intro-to-paddle/which-countries-are-supported-by-paddle) · [Lemon Squeezy](https://docs.lemonsqueezy.com/help/getting-started/supported-countries) · [Polar](https://polar.sh/docs/merchant-of-record/supported-countries) · [Creem](https://docs.creem.io/merchant-of-record/supported-countries) · [Dodo](https://docs.dodopayments.com/miscellaneous/accepted-countries-and-territories) · [Gumroad](https://gumroad.com/help/article/13-getting-paid)