GetPaidStripe alternatives in the Pacific Islands (2026): by country
By Ala'a, GetPaidAtlas · Published 30 October 2026 · Data checked 2026-10-30
Short answer: Stripe lists none of the 25 countries and territories in this guide (stripe.com/global, checked 2026-10-30). In all 25, at least one merchant of record we track accepts sellers. The widest coverage: Paddle (25 of 25), Dodo Payments (12 of 25); Whop, a marketplace, lists 23 of 25. Every country here has at least one option on our list.
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 Suva, Port Moresby, Apia, Nukuʻalofa, Port Vila or Honiara, Stripe isn’t an option, so the first question is which payment platforms will accept you as a seller. This guide answers it for 25 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.
| Country | Stripe | Paddle | Lemon Squeezy | Polar | Dodo Payments | Creem | Gumroad | Whop |
|---|---|---|---|---|---|---|---|---|
| Melanesia | ||||||||
| Fiji | No | Yes | Unclear | No | Yes | No | Unclear | Yes |
| Papua New Guinea | No | Yes | Unclear | No | No | No | Unclear | No |
| Solomon Islands | No | Yes | Unclear | No | Yes | No | Unclear | Yes |
| Vanuatu | No | Yes | Unclear | No | Yes | No | Unclear | Yes |
| New Caledonia | No | Yes | Unclear | No | Yes | No | Unclear | Yes |
| Polynesia | ||||||||
| Samoa | No | Yes | Unclear | No | Yes | No | Unclear | Yes |
| Tonga | No | Yes | Unclear | No | Yes | No | Unclear | Yes |
| Tuvalu | No | Yes | Unclear | No | No | No | Unclear | Yes |
| Cook Islands | No | Yes | Unclear | No | Yes | No | Unclear | Yes |
| Niue | No | Yes | Unclear | No | No | No | Unclear | Yes |
| Tokelau | No | Yes | No | No | No | No | No | Yes |
| French Polynesia | No | Yes | Unclear | No | Yes | No | Unclear | Yes |
| Wallis and Futuna | No | Yes | Unclear | No | Yes | No | Unclear | Yes |
| Pitcairn Islands | No | Yes | Unclear | No | No | No | Unclear | Yes |
| American Samoa | No | Yes | No | No | No | No | No | Yes |
| Micronesia | ||||||||
| Kiribati | No | Yes | Unclear | No | Yes | No | Unclear | Yes |
| Marshall Islands | No | Yes | Unclear | No | No | No | Unclear | Yes |
| Micronesia | No | Yes | Unclear | No | No | No | Unclear | Yes |
| Nauru | No | Yes | Unclear | No | No | No | Unclear | Yes |
| Palau | No | Yes | Unclear | No | Yes | No | Unclear | Yes |
| Guam | No | Yes | No | No | Yes | No | No | Yes |
| Northern Mariana Islands | No | Yes | No | No | No | No | No | Yes |
| Australian external territories | ||||||||
| Norfolk Island | No | Yes | Unclear | No | No | No | Unclear | No |
| Christmas Island | No | Yes | No | No | No | No | No | Yes |
| Cocos (Keeling) Islands | No | Yes | No | No | No | No | No | Yes |
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. Australia and New Zealand are left out because Stripe lists them. Timor-Leste is in our South and Southeast Asia guide. Christmas Island and the Cocos (Keeling) Islands are in the Indian Ocean; they are grouped here with Norfolk Island as Australian external territories. Compare any two or three countries side by side: compare countries.
Which platform covers the most countries here?
| Platform | Type | Yes (of 25) | Headline fee |
|---|---|---|---|
| Paddle | Merchant of record | 25 | 5% + 50¢ per checkout transaction source, checked 2026-10-30 |
| Whop | Marketplace / payments platform | 23 | 2.7% + $0.30 per successful domestic card transaction source, checked 2026-10-30 |
| Dodo Payments | Merchant of record | 12 | 4% + 40¢ per transaction (Standard plan) source, checked 2026-10-30 |
| Creem | Merchant of record | 0 | 3.9% + 40¢ per successful transaction source, checked 2026-10-30 |
| Gumroad | Merchant of record | 0 | 10% + $0.50 per sale on your own Gumroad page; 30% flat for sales through Gumroad's Discover marketplace source, checked 2026-10-30 |
| Lemon Squeezy | Merchant of record | 0 | 5% + 50¢ per transaction source, checked 2026-10-30 |
| Polar | Merchant of record | 0 | Starter (free): 5% + 50¢ per transaction source, checked 2026-10-30 |
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
Melanesia
Stripe: none of these countries. Paddle: every country in this group. Dodo Payments and Whop: every country here except Papua New Guinea.
Polynesia
Stripe: none of these countries. Paddle and Whop: every country in this group. Dodo Payments: every country here except Tuvalu, Niue, Tokelau, Pitcairn Islands and American Samoa.
Micronesia
Stripe: none of these countries. Paddle and Whop: every country in this group. Dodo Payments: only Kiribati, Palau and Guam.
Australian external territories
Stripe: none of these countries. Paddle: every country in this group. Whop: every country here except Norfolk Island.
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 25 of the 25 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 Papua New Guinea, Tuvalu, Niue, Tokelau, Pitcairn Islands, American Samoa, Marshall Islands, Micronesia, Nauru, Northern Mariana Islands, Norfolk Island, Christmas Island and Cocos (Keeling) Islands. For Tuvalu, Marshall Islands, Micronesia and Nauru that is a restriction for new merchants; merchants onboarded before it are grandfathered.
- Polar and Creem have shorter lists. Neither Polar nor Creem lists any of them.
- 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 19 of the 25 (Fiji, Papua New Guinea, Solomon Islands, Vanuatu, New Caledonia, Samoa, Tonga, Tuvalu, Cook Islands, Niue, French Polynesia, Wallis and Futuna, Pitcairn Islands, Kiribati, Marshall Islands, Micronesia, Nauru, Palau and Norfolk Island). Payout rules in detail: Gumroad · Lemon Squeezy.
- PayPal itself. PayPal's own Payouts country table doesn't list any of these places, so in our data PayPal is Unclear or No for each of them. Tokelau, American Samoa, Guam, Northern Mariana Islands, Christmas Island and Cocos (Keeling) Islands are not on PayPal's worldwide country list. See which countries can receive money with PayPal.
- US territories. American Samoa, Guam and Northern Mariana Islands aren’t on Stripe’s or PayPal’s country lists in our data, so Lemon Squeezy and Gumroad have no payout route there. Paddle and Whop list all three.
- Australia and New Zealand aren’t here. Stripe lists both, and so does every seller platform we track; their country pages have the details.
If few or no platforms list your country
In Papua New Guinea, Tuvalu, Niue, Tokelau, Pitcairn Islands, American Samoa, Marshall Islands, Micronesia, Nauru, Northern Mariana Islands, Norfolk Island, Christmas Island and Cocos (Keeling) Islands, 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 24 of the 25, and No for founders residing in Vanuatu. For most founders here, a merchant of record is the simpler first step.
How to choose, step by step
- Open your country's page (table above) and note which platforms are Yes.
- 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.
- Check how the money reaches you: a local bank payout is simpler than PayPal-only.
- Compare the headline fees above, then read each platform's pricing page for international-card and payout extras.
- 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 the Pacific Islands
Is Stripe available in Fiji, Papua New Guinea or Samoa?
No. Stripe's supported-country list doesn't include any of the 25 Pacific island countries and territories in this guide (stripe.com/global, checked 2026-10-30). In our data, Paddle, Dodo Payments and Whop list Fiji; Paddle lists Papua New Guinea; Paddle, Dodo Payments and Whop list Samoa.
What can I use in Papua New Guinea?
Fewer options than elsewhere in the Pacific. In our data only Paddle lists Papua New Guinea, and it accepts software businesses only. Whop: On Whop's sanctioned/restricted countries list. Mercury is Yes for founders residing there, which matters for the US LLC route.
Can I receive money with PayPal in Fiji?
PayPal is Unclear for Fiji in our data: 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.
What is the best Stripe alternative in the Pacific Islands?
It depends on where you live and what you sell. By coverage in our data, Paddle lists 25 of the 25, Dodo Payments lists 12 of the 25, and Whop lists 23. Paddle accepts software only; Whop is a marketplace for digital products and memberships. Being listed doesn't guarantee approval.
Where is only one platform available?
Papua New Guinea and Norfolk Island: in our data only one seller platform we track lists each of them (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 · Europe outside the EU · Central Asia and the Caucasus · East Asia · What is a merchant of record?
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Country how-to guides: how to get paid from Fiji · Samoa · Vanuatu · 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.