Which payment gateways work in your country? Nine services, 40 countries, October 2026

The table below shows, for 40 countries, whether a business registered there can open an account with nine big payment gateways and payment accounts, from Stripe and PayPal to Paddle and Mollie, take payments and withdraw the money, according to each service's own pages as of 13 October 2026. Find your country: its row is the answer.

Payment gateways by country, October 2026

What the values mean:

• Yes. A business registered in the country can open an account, take payments and withdraw the money; in a couple of cases one state or a few regions of the country are excluded.
• No. The service doesn't serve the country: it is missing from the service's complete list, or the service says so directly.
• Partial. The service works there with a restriction: no account details to receive money to, personal payments or personal accounts only, not in every region, or payouts by one route only.
• Not stated. The service has no list that includes the country and says nothing directly about it.

What to do if no payment gateway you need works in your country

This section is for a seller whose row has no service that fits. In Russia and Belarus no service says "yes", and elsewhere the services marked "yes" may not suit what you sell. The ways below take payment without any of the nine. Getting money from foreign clients when transfers keep stalling is covered in more depth in how to accept payments from customers abroad when the money won't come through.

Accept crypto payments

Crypto payments run on different rails. The customer opens your payment page and sends coins from a crypto wallet instead of paying by card or bank transfer, so the payment doesn't go through any of the nine services in the table. A crypto payment processor receives the coins and credits them to your balance.

The limit of this route sits on the customer's side. The buyer needs crypto in a wallet, so it suits customers who already hold some or are willing to buy it for the purchase.

Your own country's law comes first. In Russia, Federal Law No. 282-FZ of 4 August 2026 prohibits accepting digital currencies as payment for goods, work and services (Article 1, part 6). The ban has been in force in Russia since 1 September 2026.

The same Russian law exempts settlements under foreign trade contracts between Russian residents and non-residents (Article 1, part 7, item 1), also from 1 September 2026. Other countries set their own rules, so it is worth checking whether it is legal for a business to accept crypto payments where you are registered.

CryptumPay is one of the processors that take crypto payments for online sellers. Its terms:

• Three ways to accept. Payment links: you create an invoice in the console and send the link anywhere, with no website or code to connect. A checkout widget on your own site. An API for building payments into your own system.
• A website for the review. CryptumPay reviews every project before live payments are switched on, so even if you only use payment links, you show a website that says what you do or sell.
• Payout in USDT. Whatever coin the customer pays in, CryptumPay converts it to USDT, a crypto token that tracks the US dollar.
• Withdrawal. At any time, with no minimum withdrawal amount.
• Price. 1% per successful payment, from 0.5% at high volumes.
• Identity check. CryptumPay verifies the identity of every seller without exception, and without it there is no withdrawal.
• Timing. Registration, verification and project review usually take one business day.

You can open an account on CryptumPay, the crypto payment gateway for online business.

Take a bank transfer against an invoice

You send the client an invoice with your business account details, and the client pays it from their own bank by international transfer. Banks pass such transfers to one another over SWIFT, the financial messaging system the EU calls the world's dominant one.

This way fits business clients who are used to paying invoices, and it needs a bank at home that accepts incoming transfers in the client's currency. In Russia it depends on the bank: on 2 March 2022 the EU excluded key Russian banks from SWIFT.

Accept local cards through a bank in your country

A bank or a local payment provider in your country can connect card payments on your site. This way fits when your customers live in the same country and pay with cards issued there.

It doesn't reach every foreign card. In Russia, Visa announced on 5 March 2022 that Visa cards issued outside Russia would no longer work within the country.

FAQ

Which payment gateway is best for international payments?

None is best everywhere, because the first filter is your country's row. Within that row, pick by how you sell. If you need a checkout on your own site, look at the processors: Stripe, PayPal, Shopify Payments, Square and Mollie. If clients pay you by invoice, look at an account such as Payoneer or Wise Business, and if you sell software, at a merchant of record such as Paddle or Lemon Squeezy.

Does a "yes" mean the service will approve my business?

No. A "yes" means the country is open; the business still goes through the service's own review. Shopify Payments, Stripe, Wise and Paddle each keep a list of business types they don't work with, so a seller from an open country can still be turned down.

Does it matter which country my customers are in?

The table follows the country where your business is registered. Where buyers can pay from is a separate list at each service. Lemon Squeezy, for example, names 18 countries whose buyers cannot make purchases, Russia among them, so check the buyer side on the service's own pages before you count on a market.

What can I do if Shopify Payments isn't available in my country?

The store still works: Shopify asks you to connect a third-party payment provider instead. Which providers are open to you follows from your country's row in the table, starting with the ones marked yes. Crypto checkout is one more option on Shopify, with its own setup, covered in how to accept crypto payments on Shopify.

How the data was collected

The table was put together on 13 October 2026 from each service's official pages only: country lists, help-center articles and terms, with no third-party reviews; Payoneer publishes no country list, so its "yes" means the country is not restricted. 2Checkout (Verifone) is missing because that day its page of supported countries redirected to its documentation home page. The table is updated every month.

This article is not legal or tax advice.