Stripe alternatives in Europe outside the EU (2026): by country

By Ala'a, GetPaidAtlas · Published 30 October 2026 · Data checked 2026-10-30

Short answer: Stripe lists none of the 23 countries and territories in this guide (stripe.com/global, checked 2026-10-30). In 21 of them, at least one merchant of record we track accepts sellers. The widest coverage: Paddle (21 of 23), Dodo Payments (16 of 23), Creem (12 of 23). 2 have no option on our list: Belarus and Russia.

Who we are: GetPaidAtlas is an independent guide, not a payment provider. We never receive, hold or move anyone's money, and we don't process payments. We link to each platform's own official page, so you apply with them directly.

If you build software, sell digital products or freelance from Belgrade, Kyiv, Tirana, Sarajevo, Skopje, Chișinău or Istanbul, Stripe isn’t an option, so the first question is which payment platforms will accept you as a seller. This guide answers it for 23 countries and territories, grouped by region. Every status comes from the platform's own official country or payout page, with the date we checked it. Where an official page doesn't confirm something, we say Unclear rather than guess.

Country by country: who accepts sellers

Yes means the platform's official page lists the country for sellers or payouts. It doesn't guarantee approval. Click a country for notes and sources, or open its full guide.

Merchants of record: Paddle, Lemon Squeezy, Polar, Dodo Payments, Creem, Gumroad. Whop is shown too, but our data classifies it as a marketplace. PayPal, Wise and Payoneer are payout routes, covered on each country page. EU member states, the UK, Gibraltar, Norway, Switzerland and Liechtenstein are left out because Stripe lists them. Åland, the Faroe Islands and Greenland are included because Stripe doesn’t list them separately. Compare any two or three countries side by side: compare countries.

Which platform covers the most countries here?

A merchant of record (MoR) is the legal seller of your product: it takes the customer's payment, handles sales tax and VAT, and pays you out. That is why an MoR can work where Stripe doesn't. What matters is whether it accepts sellers or pays out to your country (what is a merchant of record?). Headline fees are the standard published rates; international cards, currency conversion and payouts can add to them.

By region

Western Balkans

Stripe: none of these countries. Paddle and Whop: every country in this group. Dodo Payments and Creem: every country here except Kosovo. Lemon Squeezy, Polar and Gumroad: every country here except Montenegro and Kosovo.

Eastern Europe

Stripe: none of these countries. Paddle, Creem and Whop: every country here except Belarus and Russia. Lemon Squeezy, Polar, Dodo Payments and Gumroad: only Moldova. No platform on our list: Belarus and Russia.

Türkiye

Stripe: none of these countries. Paddle, Lemon Squeezy, Polar, Dodo Payments, Creem, Gumroad and Whop: every country in this group.

Iceland and the Nordic territories

Stripe: none of these countries. Paddle: every country in this group. Whop: every country here except Åland Islands. Dodo Payments: every country here except Åland Islands and Svalbard and Jan Mayen. Lemon Squeezy, Polar, Creem and Gumroad: only Iceland.

Crown Dependencies

Stripe: none of these countries. Paddle, Dodo Payments and Whop: every country in this group.

European microstates

Stripe: none of these countries. Paddle and Whop: every country in this group. Dodo Payments and Creem: every country here except Vatican City. Lemon Squeezy, Polar and Gumroad: every country here except Andorra and Vatican City.

What the country lists don't tell you

• Paddle is software-only. Paddle works with software businesses anywhere except the countries it lists as unsupported, and it reviews every seller. That is why it is Yes in 21 of the 23 countries here.
• Dodo Payments goes by your ID, not where you live. Eligibility is based on the country that issued your government ID (and every director's or owner's ID for companies). Here it doesn't accept sellers whose ID was issued in Kosovo, Ukraine, Åland Islands, Svalbard and Jan Mayen and Vatican City. For Ukraine that is a restriction for new merchants; merchants onboarded before it are grandfathered.
• Polar and Creem have shorter lists. Polar doesn't list Montenegro, Kosovo, Ukraine, Faroe Islands, Greenland, Åland Islands, Svalbard and Jan Mayen, Jersey, Guernsey, Isle of Man, Andorra and Vatican City. Creem doesn't list Kosovo, Faroe Islands, Greenland, Åland Islands, Svalbard and Jan Mayen, Jersey, Guernsey, Isle of Man and Vatican City.
• Bank payout vs PayPal payout. Lemon Squeezy and Gumroad pay to local bank accounts only in listed countries; elsewhere they pay through PayPal, which only works if your PayPal account can receive money. That is why Lemon Squeezy shows Unclear in 8 of the 23 (Montenegro, Ukraine, Belarus, Faroe Islands, Greenland, Svalbard and Jan Mayen, Andorra and Vatican City). Payout rules in detail: Gumroad · Lemon Squeezy.
• PayPal itself. PayPal's own Payouts country table says PayPal accounts can receive and withdraw money in Serbia, Moldova, Iceland, Faroe Islands, Greenland, Andorra, Monaco and San Marino. Kosovo, Russia, Åland Islands, Jersey, Guernsey and Isle of Man are not on PayPal's worldwide country list. See which countries can receive money with PayPal.
• Ukraine has regional exclusions. Paddle: Supported except: Crimea, Donetsk, Kherson, Luhansk and Zaporizhzhia regions are unsupported. Software businesses only, subject to review. Creem also lists Crimea, Donetsk, Kherson, Luhansk and Zaporizhzhia among the regions it can’t accept payments from (checked 2026-10-30).
• EU countries aren’t here. Stripe lists every EU member state, so founders in the EU can usually apply to Stripe directly; their country pages have the details.

If few or no platforms list your country

For founders based in Belarus and Russia, none of the seller platforms we track list the country. In Kosovo, Åland Islands, Svalbard and Jan Mayen and Vatican City, only one or two of them do, so check those platforms' conditions carefully. We'd rather say so plainly than suggest a workaround that breaks a provider's terms. Payoneer doesn't publish a full country list, so it shows as Unclear: check during sign-up.

The US LLC route (form a US company remotely, open Mercury, then Stripe US) is only open where Mercury accepts residents: Mercury is Yes for 18 of the 23, and No for founders residing in Albania, Bosnia and Herzegovina, Ukraine, Belarus and Russia. For most founders here, a merchant of record is the simpler first step.

How to choose, step by step

1. Open your country's page (table above) and note which platforms are Yes.
2. Match what you sell: software (Paddle, Lemon Squeezy, Polar, Dodo Payments, Creem), digital products and memberships (Lemon Squeezy, Gumroad, Whop). Paddle and Lemon Squeezy don't accept services like coaching.
3. Check how the money reaches you: a local bank payout is simpler than PayPal-only.
4. Compare the headline fees above, then read each platform's pricing page for international-card and payout extras.
5. Apply to two platforms, not one. Approval is a separate review, and having a backup saves weeks.

Side-by-side: Paddle vs Lemon Squeezy · Lemon Squeezy vs Polar · Paddle vs Dodo Payments · all comparisons · every country and platform in one table: payment platform availability by country

FAQ: Stripe alternatives in Europe outside the EU

Is Stripe available in Serbia, Ukraine or Türkiye?

No. Stripe's supported-country list doesn't include Serbia, Ukraine or Türkiye (stripe.com/global, checked 2026-10-30). In our data, Paddle, Lemon Squeezy, Polar, Dodo Payments, Creem, Gumroad and Whop list Serbia; Paddle, Creem and Whop list Ukraine; Paddle, Lemon Squeezy, Polar, Dodo Payments, Creem, Gumroad and Whop list Türkiye.

What can I use in Ukraine instead of Stripe?

In our data, Paddle, Creem and Whop list Ukraine. Paddle notes: Supported except: Crimea, Donetsk, Kherson, Luhansk and Zaporizhzhia regions are unsupported. Software businesses only, subject to review. Dodo Payments: Not accepting new merchants. Only merchants onboarded before this country was restricted are grandfathered (policy dated 23 Mar 2026). PayPal is Unclear: PayPal operates here, but its country list doesn't say whether accounts here can receive money, and this country isn't in PayPal's Payouts country table. Check PayPal's local site.

Which platforms accept sellers in Kosovo?

Fewer than elsewhere in the Western Balkans. In our data only Paddle and Whop list Kosovo, and PayPal is No: Not on PayPal's worldwide country list.

What is the best Stripe alternative in Europe outside the EU?

It depends on your country and what you sell. By coverage in our data, Paddle lists 21 of the 23, Dodo Payments lists 16 of the 23, Creem lists 12 of the 23. Paddle accepts software only. Being listed doesn't guarantee approval: each platform reviews your business.

Which countries in this guide have no payment platform option?

Belarus and Russia. None of the seller platforms we track list them for sellers or payouts (checked 2026-10-30).

Is GetPaidAtlas a payment provider?

GetPaidAtlas is an independent guide, not a payment provider. We never receive, hold or move anyone's money, and we don't process payments. We link to each platform's own official page, so you apply with them directly.

Sources and check dates

Each status is copied from the platform's official page below. Per-country notes and the exact source for every cell are on the country pages. Stripe is not available in 199 countries and territories worldwide; see Stripe alternatives by country.

• Stripe: https://stripe.com/global (checked 2026-10-30)
• Paddle: https://www.paddle.com/help/start/intro-to-paddle/which-countries-are-supported-by-paddle (checked 2026-10-30)
• Lemon Squeezy: https://docs.lemonsqueezy.com/help/getting-started/supported-countries (checked 2026-10-30)
• Polar: https://polar.sh/docs/merchant-of-record/supported-countries (checked 2026-10-30)
• Dodo Payments: https://docs.dodopayments.com/miscellaneous/accepted-countries-and-territories (checked 2026-10-30)
• Creem: https://docs.creem.io/merchant-of-record/supported-countries (checked 2026-10-30)
• Gumroad: https://gumroad.com/help/article/13-getting-paid (checked 2026-10-30)
• Whop: https://docs.whop.com/manage-your-business/manage-payouts/set-up-payouts (checked 2026-10-30)
• PayPal (receiving): https://www.paypal.com/us/webapps/mpp/country-worldwide (checked 2026-10-30)
• Mercury (via US LLC): https://support.mercury.com/hc/en-us/articles/28771710754580-Prohibited-countries (checked 2026-10-30)
• PayPal Payouts country table: https://developer.paypal.com/docs/payouts/standard/reference/country-feature/ (checked 2026-10-30)

More guides: all guides · Middle East and North Africa · Africa · Latin America · South and Southeast Asia · Central Asia and the Caucasus · East Asia · Pacific Islands · What is a merchant of record?

Links marked affiliate link may earn us a commission. Statuses never depend on it. See the affiliate disclosure.

Country how-to guides: how to get paid from Albania · Andorra · Bosnia and Herzegovina · Guernsey · Iceland · Isle of Man · Jersey · Kosovo · Moldova · Monaco · Montenegro · North Macedonia · San Marino · Serbia · Türkiye (Turkey) · Ukraine · all country guides

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. Spotted something wrong? It will be fixed and noted in the change log.