Merchant of record, explained simply
What a merchant of record is, why it lets you sell worldwide without Stripe, and what it costs you.
Get paid online, wherever you live.
Stripe only accepts businesses in about 50 countries. Pick yours and see which payment options actually work there — with sources, fees and the next step to take.
- 24 countries checked against official provider pages
- 7 ways to get paid, compared side by side
- 0 trackers, cookies or sign-ups on this site
Where can you get paid?
You can sell digital products from Tunisia today, without a foreign company.
- Lemon Squeezy — Sells for you, handles tax, and pays out to your local bank.
- Payoneer — Handy to receive and convert your payouts.
Three ways around a missing Stripe
Almost every working setup is one of these. Your goal decides which one comes first.
Let someone else sell for you
A merchant of record charges your customers, handles global tax and pays you out. Best for digital products and SaaS.
How a merchant of record worksReceive money from abroad
A receiving account gives clients USD, EUR or GBP details to pay into. Best for freelancers and agencies.
About receiving accountsOpen a company where Stripe works
A US company unlocks Stripe from almost anywhere, at a yearly cost. Best once you have steady revenue.
Do you need a US company?Countries
The dot shows whether Stripe works directly. Open a country for every provider and its source.
North Africa
Sub-Saharan Africa
Middle East & Türkiye
South Asia
Guides
How to sell digital products when Stripe isn't available
A step-by-step path to your first online sale from a country without Stripe, with no foreign company required.
Do you need a US company to get paid online?
When a US company (for example through Stripe Atlas) makes sense, what it really costs each year, and when to wait.
Questions people ask
Can I sell online if Stripe isn't available in my country?
Yes. A merchant of record such as Lemon Squeezy or Paddle sells on your behalf and pays you out, often to a local bank account. You don't need a foreign company to start.
Do I need a US company?
Not to start. A US company unlocks Stripe, but it comes with yearly fees, taxes and filings. Most people should first prove that customers will pay, using a merchant of record.
How do I get paid by foreign clients as a freelancer?
A receiving account like Payoneer gives you account details in major currencies that clients and marketplaces can pay into, then you withdraw to your local bank.
How up to date is this information?
Each status links to the provider's official page and shows the date we last checked it. Rules change often, so confirm on the provider's site before you sign up.