Can you sell online from Guatemala and get paid?
Yes. From Guatemala 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 Guatemala by international transfer, or to a stablecoin wallet, twice a month. Stripe does not accept sellers based in Guatemala.
Also work from Guatemala: Paddle, Lemon Squeezy, Polar, Creem, Dodo Payments, Gumroad. Do not: Stripe. See the table.
Money from abroad in Guatemala
What sellers here ask about money from abroad.
Is there a simple tax regime for small sellers in Guatemala?
The Pequeno Contribuyente regime charges a single 5% on gross monthly sales or services. Decreto 31-2024 replaced the fixed Q150,000 annual cap with 125 monthly non-agricultural minimum wages, about Q500,285 for 2026. Monthly returns are due even with zero income. SEAL Guatemala
Can I hold US dollars in a Guatemalan bank?
Yes. Guatemala keeps an open, unrestricted exchange regime, and since May 2001 banks may offer accounts in any foreign currency. Cash deposits in foreign currency above USD 3,000 a month need a sworn statement that the money is legitimate. US Trade.gov
General information, not tax or legal advice. Check with a local accountant.
Selling from Guatemala, in facts
- Who can sell
- Individuals and companies source
- How you get paid
- To your own bank account in Guatemala 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 Guatemala. 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 Guatemala
The usual names, checked one by one.
| Provider | Sellers in Guatemala? | 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 | Not on the Stripe supported countries list. Source |
| PayPalWallet and card payments | Yes | Local PayPal site offers request money and business payments. Source |
| PaddleMerchant of Record | Yes | Not on the Paddle unsupported countries list. Source |
| Lemon SqueezyMerchant of Record | Yes | On the bank payout list. Source |
| PolarMerchant of Record | Yes | On the Stripe Connect Express payout list. Source |
| CreemMerchant of Record | Yes | Supported with local bank payouts. Source |
| Dodo PaymentsMerchant of Record | Yes | On the accepted countries list. Source |
| GumroadMerchant of Record | Yes | Bank payouts in GTQ. Source |
| WiseReceive money from clients | Limited | Can register and send, but cannot hold money. 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 Guatemala: answers
Can I sell online from Guatemala 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 Guatemala?
To your own bank account in Guatemala 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 Guatemala?
No. Stripe does not open accounts for businesses based in Guatemala, so sellers there use a Merchant of Record like AgentaOS, or open a company abroad. Stripe’s country list.
Does PayPal work in Guatemala?
Yes. Local PayPal site offers request money and business payments. PayPal.
Is there a simple tax regime for small sellers in Guatemala?
The Pequeno Contribuyente regime charges a single 5% on gross monthly sales or services. Decreto 31-2024 replaced the fixed Q150,000 annual cap with 125 monthly non-agricultural minimum wages, about Q500,285 for 2026. Monthly returns are due even with zero income.
Can I hold US dollars in a Guatemalan bank?
Yes. Guatemala keeps an open, unrestricted exchange regime, and since May 2001 banks may offer accounts in any foreign currency. Cash deposits in foreign currency above USD 3,000 a month need a sworn statement that the money is legitimate.
General questions: when is my first payout? · what does it cost? · who handles VAT? · do I need a company?
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