Creem vs Polar: which countries can sellers use?

Creem lists 87 of 250 countries and territories as Yes; Polar lists 119. Both list 76. Only Creem: 11. Only Polar: 43. Neither: 120.

Creem is a Merchant of Record (it is the legal seller and handles sales tax/VAT). Polar is a Merchant of Record (it is the legal seller and handles sales tax/VAT).

Check your country: look it up in the table below or open the full country checker for all 7 seller platforms, notes and sources.

At a glance

	Creem	Polar
What it is	Merchant of Record for SaaS/digital. Local bank payouts (fee: 7 EUR/USD or 1%), USDC payouts, Alipay for China.	Developer-focused Merchant of Record. Payouts via Stripe Connect Express to the listed countries (Stripe Payments need not be available locally).
Merchant of Record?	Yes	Yes
Countries listed as Yes (of 250)	87	119
Countries listed as No	163	131
Countries Unclear	0	0
Yes in the 199 countries where Stripe is No	38	70
Official source	https://docs.creem.io/merchant-of-record/supported-countries	https://polar.sh/docs/merchant-of-record/supported-countries
Last checked	2026-10-19	2026-10-19
Full country list	Creem	Polar
Website	Creem	Polar

Counts are computed from our dataset of 250 countries and territories (ISO 3166-1 + Kosovo), so they include small and uninhabited territories. "Yes" means the official page lists the country; it does not guarantee approval. Providers also review your business, products and documents.

Country overlap

Yes for both Creem and Polar (76)

Yes for Creem only (Polar is No or Unclear) (11)

Yes for Polar only (Creem is No or Unclear) (43)

Yes for neither (120)

How each provider's statuses break down

Creem

No 137 countries: Not on Creem's supported merchant list (Creem: 'If you don't see your country listed... you won't be able to use Creem').
Yes 80 countries: Listed as a supported merchant country.
No 26 countries: On Creem's unsupported countries list.
Yes 6 countries: Listed as a supported merchant country. Marked ** : bank-transfer partner restrictions may apply (e.g. personal accounts only).
Yes 1 country: Listed as a supported merchant country. Individuals are paid via Alipay (limits apply).

Polar

No 131 countries: Not on Polar's payout country list.
Yes 119 countries: Listed for payouts (Stripe Connect Express).

Check your country

Filter countries

Country	Creem	Polar
Afghanistan	No	No
Albania	Yes	Yes
Algeria	No	Yes
American Samoa	No	No
Andorra	Yes	No
Angola	No	Yes
Anguilla	No	No
Antarctica	No	No
Antigua and Barbuda	No	Yes
Argentina	Yes	Yes
Armenia	No	Yes
Aruba	No	No
Australia	Yes	Yes
Austria	Yes	Yes
Azerbaijan	Yes	Yes
Bahamas	No	Yes
Bahrain	No	Yes
Bangladesh	Yes	Yes
Barbados	No	No
Belarus	No	No
Belgium	Yes	Yes
Belize	No	No
Benin	No	Yes
Bermuda	No	No
Bhutan	No	Yes
Bolivia	No	Yes
Bosnia and Herzegovina	Yes	Yes
Botswana	No	Yes
Bouvet Island	No	No
Brazil	Yes	No
British Indian Ocean Territory	No	No
British Virgin Islands	No	No
Brunei	No	Yes
Bulgaria	Yes	Yes
Burkina Faso	No	No
Burundi	No	No
Cabo Verde	No	No
Cambodia	No	Yes
Cameroon	No	No
Canada	Yes	Yes
Caribbean Netherlands	No	No
Cayman Islands	Yes	No
Central African Republic	No	No
Chad	No	No
Chile	Yes	Yes
China	Yes	No
Christmas Island	No	No
Cocos (Keeling) Islands	No	No
Colombia	Yes	Yes
Comoros	No	No
Cook Islands	No	No
Costa Rica	Yes	Yes
Croatia	Yes	Yes
Cuba	No	No
Curaçao	No	No
Cyprus	Yes	Yes
Czech Republic	Yes	Yes
Côte d'Ivoire	No	Yes
Democratic Republic of the Congo	No	No
Denmark	Yes	Yes
Djibouti	No	No
Dominica	No	No
Dominican Republic	Yes	Yes
Ecuador	No	Yes
Egypt	Yes	Yes
El Salvador	No	Yes
Equatorial Guinea	No	No
Eritrea	No	No
Estonia	Yes	Yes
Eswatini	No	No
Ethiopia	No	Yes
Falkland Islands	No	No
Faroe Islands	No	No
Fiji	No	No
Finland	Yes	Yes
France	Yes	Yes
French Guiana	No	No
French Polynesia	No	No
French Southern Territories	No	No
Gabon	No	Yes
Gambia	No	Yes
Georgia	Yes	No
Germany	Yes	Yes
Ghana	No	Yes
Gibraltar	Yes	No
Greece	Yes	Yes
Greenland	No	No
Grenada	No	No
Guadeloupe	No	No
Guam	No	No
Guatemala	Yes	Yes
Guernsey	No	No
Guinea	No	No
Guinea-Bissau	No	No
Guyana	No	Yes
Haiti	No	No
Heard & McDonald Islands	No	No
Honduras	Yes	No
Hong Kong	Yes	Yes
Hungary	Yes	Yes
Iceland	Yes	Yes
India	Yes	Yes
Indonesia	Yes	Yes
Iran	No	No
Iraq	No	No
Ireland	Yes	Yes
Isle of Man	No	No
Israel	Yes	Yes
Italy	Yes	Yes
Jamaica	No	Yes
Japan	Yes	Yes
Jersey	No	No
Jordan	No	Yes
Kazakhstan	No	Yes
Kenya	Yes	Yes
Kiribati	No	No
Kosovo	No	No
Kuwait	No	Yes
Kyrgyzstan	No	No
Laos	No	Yes
Latvia	Yes	Yes
Lebanon	No	No
Lesotho	No	No
Liberia	No	No
Libya	No	No
Liechtenstein	Yes	Yes
Lithuania	Yes	Yes
Luxembourg	Yes	Yes
Macao	No	Yes
Madagascar	No	Yes
Malawi	No	No
Malaysia	Yes	Yes
Maldives	No	No
Mali	No	No
Malta	Yes	Yes
Marshall Islands	No	No
Martinique	No	No
Mauritania	No	No
Mauritius	No	Yes
Mayotte	No	No
Mexico	Yes	Yes
Micronesia	No	No
Moldova	Yes	Yes
Monaco	Yes	Yes
Mongolia	No	Yes
Montenegro	Yes	No
Montserrat	No	No
Morocco	Yes	Yes
Mozambique	No	Yes
Myanmar	No	No
Namibia	No	Yes
Nauru	No	No
Nepal	Yes	No
Netherlands	Yes	Yes
New Caledonia	No	No
New Zealand	Yes	Yes
Nicaragua	No	No
Niger	No	Yes
Nigeria	Yes	Yes
Niue	No	No
Norfolk Island	No	No
North Korea	No	No
North Macedonia	Yes	Yes
Northern Mariana Islands	No	No
Norway	Yes	Yes
Oman	No	Yes
Pakistan	Yes	Yes
Palau	No	No
Palestine	No	No
Panama	No	Yes
Papua New Guinea	No	No
Paraguay	No	Yes
Peru	Yes	Yes
Philippines	Yes	Yes
Pitcairn Islands	No	No
Poland	Yes	Yes
Portugal	Yes	Yes
Puerto Rico	No	No
Qatar	No	Yes
Republic of the Congo	No	No
Romania	Yes	Yes
Russia	No	No
Rwanda	No	Yes
Réunion	No	No
Saint Barthélemy	No	No
Saint Helena	No	No
Saint Kitts and Nevis	No	No
Saint Lucia	No	Yes
Saint Martin (French part)	No	No
Saint Pierre and Miquelon	No	No
Saint Vincent and the Grenadines	No	No
Samoa	No	No
San Marino	Yes	Yes
Sao Tome and Principe	No	No
Saudi Arabia	No	Yes
Senegal	No	Yes
Serbia	Yes	Yes
Seychelles	No	No
Sierra Leone	No	No
Singapore	Yes	Yes
Sint Maarten	No	No
Slovakia	Yes	Yes
Slovenia	Yes	Yes
Solomon Islands	No	No
Somalia	No	No
South Africa	Yes	Yes
South Georgia & South Sandwich Islands	No	No
South Korea	Yes	Yes
South Sudan	No	No
Spain	Yes	Yes
Sri Lanka	Yes	Yes
Sudan	No	No
Suriname	No	No
Svalbard and Jan Mayen	No	No
Sweden	Yes	Yes
Switzerland	Yes	Yes
Syria	No	No
Taiwan	Yes	Yes
Tajikistan	No	No
Tanzania	Yes	Yes
Thailand	Yes	Yes
Timor-Leste	No	No
Togo	No	No
Tokelau	No	No
Tonga	No	No
Trinidad and Tobago	No	Yes
Tunisia	No	Yes
Turkmenistan	No	No
Turks and Caicos Islands	No	No
Tuvalu	No	No
Türkiye (Turkey)	Yes	Yes
U.S. Minor Outlying Islands	No	No
U.S. Virgin Islands	No	No
Uganda	No	No
Ukraine	Yes	No
United Arab Emirates	Yes	Yes
United Kingdom	Yes	Yes
United States	Yes	Yes
Uruguay	Yes	Yes
Uzbekistan	No	Yes
Vanuatu	No	No
Vatican City	No	No
Venezuela	No	No
Vietnam	Yes	Yes
Wallis and Futuna	No	No
Western Sahara	No	No
Yemen	No	No
Zambia	Yes	No
Zimbabwe	No	No
Åland Islands	No	No

Sources

Creem: https://docs.creem.io/merchant-of-record/supported-countries (checked 2026-10-19)
Polar: https://polar.sh/docs/merchant-of-record/supported-countries (checked 2026-10-19)

How we set yes / no / unclear: methodology.

More comparisons

Not legal, tax or financial advice. Provider rules change often and depend on your business type, what you sell, and the documents you hold. Always verify with the provider before you build or sign up. 'Unclear' means we could not confirm it from an official source.