Take payments without opening an EU company
e-Residency gets you an Estonian company so you can use Stripe in Europe. Then come the legal address, monthly bookkeeping and EU VAT filings. With AgentaOS you skip the company: we are the official seller.
€0 account, no cardSell as an individual, no company abroad
What is the best alternative to an Estonian e-Residency company?
If you only need an EU company to take card payments, you may not need one at all. e-Residency costs €150, an Estonian OÜ costs about €265 to register, plus a legal address and an accountant every month, and you register for EU OSS VAT and file it yourself. AgentaOS is a Merchant of Record: we sell for you in our name, file the tax in 135+ jurisdictions and pay you twice a month, so you can start as an individual with no company abroad.
Estonian company vs AgentaOS
Published prices on 2 October 2026.
| e-Residency + Estonian OÜ + Stripe | AgentaOS | |
|---|---|---|
| e-Residency card | €150, renewed every 5 years | Not needed |
| Company setup | About €265 state fee | Not needed |
| Legal address and contact person | About €200 to €400 a year | €0 |
| Accountant | E-commerce bookkeeping €110 to €195 a month | Not needed for your sales |
| Card fees | 1.5% + €0.25 EEA cards, 3.15% + €0.25 international | 4.5% + €0.50, +1.5% on non-EEA cards. Pro: 4.0% + €0.40, no surcharge in 2026 |
| Subscriptions and tax tools | Stripe Billing 0.7% + Stripe Tax 0.5% | Included |
| EU VAT (OSS) and sales tax abroad | You register and file quarterly | Filed for you, 135+ jurisdictions |
| Chargebacks | €20 per dispute + €20 to respond | We respond for you. €35 flat per dispute |
| Time to first sale | Weeks | Minutes |
Sources: e-resident.gov.ee, stripe.com/ee/pricing, enty.io e-commerce accounting, enty.io, docs.agentaos.ai. Income and profit taxes are not included, and running an Estonian company from another country can create tax obligations there. Run your own numbers on the cost calculator.
Selling in minutes
No company, no accountant, no tax filings abroad.
- 1Check your countryPick your country and see what you can sell, how you get paid and the fee.
- 2Create your productsIn the dashboard, or ask the Payments Intelligence in Claude, ChatGPT or Cursor.
- 3Share your checkout linkCustomers pay by card or monthly from 190+ countries. You get paid twice a month.
Questions
Do I need an EU company to sell to EU customers?
No. With AgentaOS, EU customers pay by card and we are the official seller, so EU VAT is ours to file. You can sell as an individual.
How much does an Estonian company cost per year?
e-Residency is €150 every 5 years and registration about €265. Each year you pay for a legal address and contact person, about €200 to €400, and an e-commerce accountant, about €110 to €195 a month.
Is AgentaOS cheaper than an Estonian company?
In the first year, usually yes at small and medium volumes, because there is no company, address or accountant cost. Use the calculator on our comparison page with your own numbers.
Who files EU VAT?
We do, because we are the seller. With your own Estonian company you register for OSS and file every quarter.
How do I get paid?
Twice a month, to your own bank account or wallet, in EUR, USD or digital assets.
Skip the company abroad
Paste your link. Pricing Intelligence tells you what to charge, free.
€0 account, no cardSell as an individual, no company abroad