Can you sell online from Bosnia and Herzegovina and get paid?
Yes. From Bosnia and Herzegovina you can sell digital products, courses, SaaS and services to buyers in 190+ countries, as an individual or a company, and get paid to your bank in Bosnia and Herzegovina by international transfer, or to a stablecoin wallet, twice a month. Stripe does not accept sellers based in Bosnia and Herzegovina.
Also work from Bosnia and Herzegovina: Paddle, Lemon Squeezy, Polar, Creem, Dodo Payments, Gumroad. Do not: Stripe. See the table.
Selling from Bosnia and Herzegovina, in facts
- Who can sell
- Individuals and companies source
- How you get paid
- To your own bank account in Bosnia and Herzegovina by international transfer (Swift), or to a stablecoin wallet. source
- Payout currency
- EUR or USD, to a EUR or USD account at your bank (a foreign currency account) source
- Payout days
- The 1st and the 15th of each month source
- First payout
- 14 days after each sale, from €50 or $50 source
- Fee per card sale
- 4.5% + €0.50, plus 1.5% on cards from outside Europe source
- Payout fee
- 1% of the payout, at least €1 source
- Swift transfer cost
- About €5 with shared cost (€5 to €35 by destination), or about €25 with fixed cost. source
- Tax on your sales
- Charged, filed and paid by us as the seller source
- Your income tax
- Yours to declare in Bosnia and Herzegovina. You get a statement and a self-billed invoice per payout. source
From a sale to your account
Example: one month, ten sales of €100 to buyers in the US.
| Ten sales of €100, buyers in the US | €1,000.00 |
| AgentaOS fee: 6.0% + €0.50 per sale (cards from outside Europe) | −€65.00 |
| Payout fee: 1% | −€9.35 |
| Swift transfer, shared cost | −about €5.00 |
| Lands in your bank | about €920.65 |
Try your own numbers in the payout calculator →
Cards issued in Europe cost less: 4.5% + €0.50 per sale. On Pro (€49 a month) every card sale is 4.0% + €0.40. Buyers outside the EU pay no VAT; EU buyers pay VAT on top, which we file.
Who accepts sellers from Bosnia and Herzegovina
The usual names, checked one by one.
| Provider | Sellers in Bosnia and Herzegovina? | What their own page says |
|---|---|---|
| AgentaOSMerchant of Record | Yes | Individuals and companies. Paid out twice a month. Supported countries |
| StripeCard payments, you are the seller | No | Bosnia and Herzegovina is not on Stripe's list of supported countries. Source |
| PayPalWallet and card payments | Limited | Send and receive, but withdrawals are listed only to cards, not to a local bank. Source |
| PaddleMerchant of Record | Yes | Built for software companies, anywhere outside its unsupported list. Pure services such as coaching or consulting are not allowed. Source |
| Lemon SqueezyMerchant of Record | Yes | Bosnia and Herzegovina is on its bank payout list. Source |
| PolarMerchant of Record | Yes | Bosnia and Herzegovina is on its payout list (Stripe Connect Express). Source |
| CreemMerchant of Record | Yes | Bosnia and Herzegovina is on its supported countries table. Source |
| Dodo PaymentsMerchant of Record | Yes | Bosnia and Herzegovina is on its accepted ID-issuing countries. Source |
| GumroadMerchant of Record | Yes | Bank payouts in BAM, minimum 50 BAM. Source |
| PayoneerReceive money from clients | Unclear | Payoneer publishes no country list, and Bosnia and Herzegovina is not named on the page we found. Source |
| WiseReceive money from clients | Limited | You can register and send money, but Bosnia and Herzegovina is not on the list for holding a balance. Source |
Checked on 6 October 2026 against each provider’s own country page. Providers change their lists; follow the source link before you decide.
Selling from Bosnia and Herzegovina: answers
Can I sell online from Bosnia and Herzegovina as an individual?
Yes. You can open an account as an individual or as a company. AgentaOS is the official seller of your product, so you do not need a company abroad.
How do I get paid in Bosnia and Herzegovina?
To your own bank account in Bosnia and Herzegovina by international transfer (Swift), or to a stablecoin wallet. Payouts run on the 1st and the 15th of each month, in EUR or USD.
Do I need a EUR or USD account?
Yes. Payouts are paid in the same currency as your balance, EUR or USD, so you need a EUR or USD account at your bank (a foreign currency account). No currency conversion happens inside a payout.
Is Stripe available in Bosnia and Herzegovina?
No. Stripe does not open accounts for businesses based in Bosnia and Herzegovina, so sellers there use a Merchant of Record like AgentaOS, or open a company abroad. Stripe’s country list.
Why do payouts to Bosnia and Herzegovina go by Swift?
Our banking partner has no local route to Bosnia and Herzegovina, so a bank payout travels as an international transfer, usually about €5 with shared cost. You can choose a stablecoin wallet instead, and you can switch it on before your first bank payout.
Does PayPal work in Bosnia and Herzegovina?
Partly. You can send and receive, but PayPal lists withdrawals only to cards, not to a local bank. PayPal Bosnia and Herzegovina.
I get paid through Stripe on Bandcamp or X. Does Stripe work in Bosnia and Herzegovina?
Not for selling. Some platforms, such as Bandcamp, pay people in Bosnia and Herzegovina through Stripe, but that is a payout to you, not a Stripe account you can sell with. Bosnia and Herzegovina is not on Stripe’s list of countries where you can open one.
General questions: when is my first payout? · what does it cost? · who handles VAT? · do I need a company?
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