A free payment processors by country tool that shows which services take your company, their card prices, American Express and payouts, next to the US.
5.0(1 rating)Pick the country your company is in and one to compare, to see which payment services take it, what they charge for cards, whether they take American Express, and how you get paid.
Where is your company?
Compare with
What each service offers
This free payment processors by country tool shows which payment services take a company in your country, and what they charge.
Pick your company's country and one to compare. You'll see Stripe, PayPal, Paddle, Lemon Squeezy and Gumroad side by side: whether you can sign up, the card price, American Express, and how you get paid.
Which payment services work where?
Stripe takes companies in 44 countries, from the US, the UK and the EU to the UAE, Singapore, Hong Kong, Japan, Brazil and Mexico. It's in preview in India and Indonesia, and works through partners in 5 African countries.
A company outside those can't open a Stripe account, and that includes South Korea, Qatar, Georgia, Panama.
PayPal works in more than 200 countries and regions. Paddle, Lemon Squeezy and Gumroad sell for you almost anywhere, as merchant of record, except the countries under sanctions.
American Express isn't everywhere
Stripe's own list says American Express works on Stripe accounts in every country except Brazil, Malaysia, Thailand and the UAE.
So a company in Dubai can take Visa and Mastercard through Stripe, but not Amex. A US company can take all three.
Payment processor or merchant of record?
A payment processor, like Stripe or PayPal, takes the payment for your company. You're the seller, so you handle sales tax and VAT yourself.
A merchant of record, like Paddle, Lemon Squeezy or Gumroad, sells your product for you. It handles sales tax and VAT around the world, then pays you out, and it charges more for that.
Stripe- Kind
- Payment processor
- Price in the US
- 2.9% + $0.30
PayPal- Kind
- Payment processor
- Price in the US
- 3.49% + fixed fee
Paddle- Kind
- Merchant of record
- Price in the US
- 5% + $0.50
Lemon Squeezy- Kind
- Merchant of record
- Price in the US
- 5% + $0.50
Gumroad- Kind
- Merchant of record
- Price in the US
- 10% + $0.50
In the UAE, Stripe charges 2.9% + AED 1.00 for domestic cards, plus 1% for international cards.
Platforms with payments of their own
Many course, community and checkout platforms now have payments of their own, mostly built on Stripe Connect under their own name:
- Kajabi Payments – for businesses in the US, Canada, Australia, the UAE, the UK and 20 euro countries, at Kajabi's card rates for each
- SamPay – SamCart's own processor, built with Stripe, at Stripe's prices in Stripe's countries
- Teachable Payments – for schools in 80 countries, at 2.9% + $0.30 for US cards and 3.9% + $0.30 for international ones
- Thinkific Payments – for creators in 36 countries, at 2.9% + $0.30 in the US and Canada
- Skool – pays out in 152 countries, at 2.9% + $0.30 a sale on its Pro plan
- Whop – its own payments, at 2.7% + $0.30 for cards, plus up to 3.3% more for the extras you switch on (6% + $0.30 with everything, tax included) and a fee for each payout
ThriveCart and Circle connect your own Stripe account instead. ThriveCart adds nothing on top, and Circle adds 0.5% to 2% by plan.
Skool reaches further than Stripe: it pays out in countries like Georgia, Panama and Qatar, where a company can't open a Stripe account.
Why many founders abroad use a US LLC for payments
I have a US LLC, and for me it makes payments simpler: Stripe and PayPal are easier, Stripe takes American Express, card declines happen a bit less, and US customers trust a US company a little more. Stripe works in the UAE, but it isn't quite the same.
The US LLC for non-residents checker shows whether US tax applies to your LLC, and company formation compared shows what one costs in each state.
How to use the payment processors by country tool
Your picks stay in this browser.
Who is the payment processors by country tool for?
It's for founders choosing where to set up and how to take payments, and each of them has a next step:
- Company formation compared – anyone choosing between a US LLC, the UAE, the UK and more than 30 other places
- US LLC for non-residents checker – anyone adding a US LLC for payments
- UAE company setup cost calculator – anyone weighing a Dubai company
- Money transfer comparison – anyone moving the money once it's paid out
- Business bank account finder – businesses choosing where their payouts land
More money tools are on the free finance tools page. Or browse all my free tools.
Payment Processors by Country FAQs
Questions about taking payments from abroad? Here's what to know.
Stripe takes companies in 44 countries, including the US, the UK, the EU, the UAE, Singapore, Japan, Brazil and Mexico.
It's in preview in India and Indonesia.
Yes: Stripe takes UAE companies, at 2.9% + AED 1.00 for domestic cards and 1% more for international ones.
It can't take American Express there.
No: Stripe's own list says American Express works in every Stripe country except Brazil, Malaysia, Thailand and the UAE.
A company in a Stripe country can use it, and many founders abroad use a US LLC for that.
PayPal works in more than 200 countries, and Paddle, Lemon Squeezy and Gumroad sell for you almost anywhere.
A merchant of record sells your product for you, handles sales tax and VAT around the world, and pays you out.
Paddle, Lemon Squeezy and Gumroad work this way, for a higher fee than a payment processor.
Both charge 5% + $0.50 a sale, with sales tax and VAT included.
Lemon Squeezy adds small fees for sales outside the US.
Kajabi Payments is Kajabi's own payments, built with Stripe, so you don't need a Stripe account of your own.
It's for businesses in the US, Canada, Australia, the UAE, the UK and 20 euro countries.
Often, yes: Skool pays out in 152 countries, including some where Stripe takes no companies, like Georgia and Panama.
I did. I'm Navid Moazzez, and the payment processors by country tool is one of my free tools on navid.me.
Read about me, or see my creator profile.
Navid Moazzez
AI business strategist & AI OS builder
Navid Moazzez helps creators and founders master AI and build their own AI Operating System (AI OS) to automate their business and life.
Navid.me is reader-supported. When you buy through links on this site, I may earn an affiliate commission. Learn more.
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