GetPaidStripe alternatives in South and Southeast Asia (2026): what works in each country
By Ala'a, GetPaidAtlas · Published 30 October 2026 · Data checked 2026-10-30
Short answer: Stripe fully lists 3 of the 19 South and Southeast Asian countries we cover here: Thailand, Malaysia and Singapore; India and Indonesia are only in Stripe's invite-only Preview (stripe.com/global, checked 2026-10-30). In 14 of the other 16, including Pakistan, Bangladesh, Vietnam and the Philippines, at least one merchant of record we track accepts sellers. The widest coverage: Paddle (17 of 19), Dodo Payments (14 of 19), Gumroad (14 of 19). 2 have no option on our list: Afghanistan and Myanmar.
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 run a creator business from Lahore, Dhaka, Colombo, Kathmandu, Ho Chi Minh City or Manila, the first question is simple: which payment platforms will accept you as a seller? This guide answers it for 19 countries of South and Southeast Asia, 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 in South and Southeast Asia
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 |
|---|---|---|---|---|---|---|---|---|
| South Asia | ||||||||
| India | Unclear | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Pakistan full guide | No | Yes | Yes | Yes | No | Yes | Yes | Yes |
| Bangladesh full guide | No | Yes | Yes | Yes | No | Yes | Yes | Yes |
| Sri Lanka full guide | No | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Nepal full guide | No | Yes | Unclear | No | Yes | Yes | Unclear | Yes |
| Bhutan | No | Yes | Yes | Yes | Yes | No | Yes | Yes |
| Maldives full guide | No | Yes | Unclear | No | Yes | No | Unclear | Yes |
| Afghanistan | No | No | No | No | No | No | No | No |
| Southeast Asia | ||||||||
| Indonesia | Unclear | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Philippines full guide | No | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Vietnam full guide | No | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Thailand | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Malaysia | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Singapore | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Cambodia full guide | No | Yes | Yes | Yes | Yes | No | Yes | Yes |
| Laos | No | Yes | Yes | Yes | No | No | Yes | Yes |
| Myanmar | No | No | No | No | No | No | No | No |
| Brunei | No | Yes | Yes | Yes | Yes | No | Yes | Yes |
| Timor-Leste | No | Yes | No | No | Yes | 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. Not shown: East Asia (see China, Taiwan, Korea and East Asia), Central Asia (see Central Asia and the Caucasus) and the Pacific (see Pacific Islands); each country has its own page in the full dataset.
If Stripe lists your country
Founders based in Thailand, Malaysia and Singapore can apply to Stripe directly. With Stripe you are the seller of record, so sales tax and VAT on international sales are your job. Some founders there still choose a merchant of record so it handles that for them; in our data, every one of these 3 countries also has at least 6 merchants of record listed as Yes.
India and Indonesia are a special case. Stripe lists India and Indonesia as Preview, meaning limited, invite-only availability for new accounts, so we mark Stripe Unclear there. Don't plan around getting a Stripe account; in our data both countries are listed by Paddle, Lemon Squeezy, Polar, Dodo Payments, Creem and Gumroad.
Which platform covers the most countries in the region?
| Platform | Type | Yes (of 19) | Yes where Stripe isn't fully available (of 16) | Headline fee |
|---|---|---|---|---|
| Paddle | Merchant of record | 17 | 14 | 5% + 50¢ per checkout transaction source, checked 2026-10-30 |
| Whop | Marketplace / payments platform | 17 | 14 | 2.7% + $0.30 per successful domestic card transaction source, checked 2026-10-30 |
| Dodo Payments | Merchant of record | 14 | 11 | 4% + 40¢ per transaction (Standard plan) source, checked 2026-10-30 |
| Gumroad | Merchant of record | 14 | 11 | 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 | 14 | 11 | 5% + 50¢ per transaction source, checked 2026-10-30 |
| Polar | Merchant of record | 14 | 11 | Starter (free): 5% + 50¢ per transaction source, checked 2026-10-30 |
| Creem | Merchant of record | 11 | 8 | 3.9% + 40¢ per successful 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 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
South Asia
Stripe: none of these countries. Paddle and Whop: every country here except Afghanistan. Lemon Squeezy, Polar and Gumroad: every country here except Nepal, Maldives and Afghanistan. Dodo Payments: every country here except Pakistan, Bangladesh and Afghanistan. Creem: every country here except Bhutan, Maldives and Afghanistan. No platform on our list: Afghanistan.
Southeast Asia
Stripe: Thailand, Malaysia and Singapore. Paddle and Whop: every country here except Myanmar. Lemon Squeezy, Polar and Gumroad: every country here except Myanmar and Timor-Leste. Dodo Payments: every country here except Laos and Myanmar. Creem: every country here except Cambodia, Laos, Myanmar, Brunei and Timor-Leste. No platform on our list: Myanmar.
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 makes it one of the few options that covers almost the whole region if you sell software.
- 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). In this region it doesn't accept sellers whose ID was issued in Pakistan, Bangladesh and Laos. For Bangladesh that is a restriction for new merchants; merchants onboarded before it are grandfathered.
- Polar and Creem have shorter lists. Polar doesn't list Nepal, Maldives and Timor-Leste. Creem doesn't list Bhutan, Maldives, Cambodia, Laos, Brunei and Timor-Leste.
- 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 2 of the 19 (Nepal and Maldives). Payout rules in detail: Gumroad · Lemon Squeezy.
- PayPal itself. PayPal's own Payouts country table says PayPal accounts can receive and withdraw money in India, Indonesia, the Philippines, Vietnam, Malaysia and Singapore. Pakistan, Bangladesh, Afghanistan, Myanmar and Timor-Leste are not on PayPal's worldwide country list. See which countries can receive money with PayPal.
- Local payment methods. We track whether a platform accepts you as a seller, not which local methods your customers can use at checkout. If you mainly sell to customers in your own country, check each platform's checkout documentation, or look at local processors, before you commit.
If no platform lists your country
For founders based in Afghanistan and Myanmar, none of the seller platforms we track list the country, and Mercury doesn't accept founders residing in either of them. That rules out the usual US LLC route with a Mercury account too. 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.
Elsewhere in the region, 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 8 of the 19, and No for founders residing in Pakistan, Bangladesh, Nepal, Bhutan, Maldives, Indonesia, Philippines, Vietnam and Cambodia. 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 South and Southeast Asia
Is Stripe available in Pakistan or Bangladesh?
No. Not on Stripe's supported-country list. A US entity (e.g. via Stripe Atlas or doola) is the common workaround. The same applies to Bangladesh (stripe.com/global, checked 2026-10-30). In our data, Paddle, Lemon Squeezy, Polar, Creem, Gumroad and Whop list Pakistan, and Paddle, Lemon Squeezy, Polar, Creem, Gumroad and Whop list Bangladesh.
Can I open a Stripe account in India?
India is listed only as 'Preview' on stripe.com/global (checked 2026-10-30), which we mark Unclear: availability for new accounts is limited. Every merchant of record we track lists India; Lemon Squeezy notes: Bank payouts supported in this country. Note: since May 2024 Stripe onboards new Indian accounts invite-only, so bank payouts need Stripe pre-approval; otherwise PayPal payouts.
What is the best Stripe alternative in South and Southeast Asia?
It depends on your country and what you sell. By coverage in our data, Paddle lists 17 of the 19, Dodo Payments lists 14 of the 19, Gumroad lists 14 of the 19. Paddle accepts software only. Being listed doesn't guarantee approval: each platform reviews your business.
What can I use in Vietnam instead of Stripe?
Stripe doesn't list Vietnam. In our data, Paddle, Lemon Squeezy, Polar, Dodo Payments, Creem, Gumroad and Whop list it for sellers or payouts, and PayPal is Yes: PayPal's Payouts country table lists this country ('Send, receive, and withdraw'): PayPal account holders here can receive and withdraw money. Account approval, fees and checkout features still vary; check PayPal's local site.
Which countries in the region have no payment platform option?
Afghanistan and Myanmar. None of the seller platforms we track list them for sellers or payouts (checked 2026-10-30). Mercury, which the US LLC route depends on, also doesn't accept founders residing in either of them.
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 · Stripe alternatives in the Middle East and North Africa · Stripe alternatives in Africa · Stripe alternatives in Latin America · Stripe alternatives in Europe outside the EU · Stripe alternatives in Central Asia and the Caucasus · Stripe alternatives in East Asia · Stripe alternatives in the Pacific Islands · What is a merchant of record? · Stripe alternatives in every country
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Country how-to guides: how to get paid from Bangladesh · Bhutan · Brunei · Cambodia · India · Indonesia · Laos · Malaysia · Maldives · Nepal · Pakistan · Philippines · Singapore · Sri Lanka · Thailand · Timor-Leste · Vietnam · 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.