Stripe in Peru: is it available, and how to get paid
No. Peru isn't on Stripe's list of supported countries, so a business based there can't open a Stripe account. Of the merchants of record we checked, Paddle, Lemon Squeezy, Polar and Dodo Payments pay out to founders in Peru. For local customers, Culqi and Mercado Pago Peru take payments in PEN.
Global options for founders in Peru
| Provider | What it is | For Peru | Detail | Source |
|---|---|---|---|---|
| Stripe | payment processor | No | Not on the list of supported countries/regions | stripe.com |
| Stripe Atlas | US company formation | Yes | No founder-country exclusion found; Atlas terms only name Prohibited Jurisdictions (Cuba, Iran, North Korea, Syria, Crimea), none of which is this country | stripe.com |
| Paddle | merchant of record | Yes | Not on Paddle's unsupported seller countries list | paddle.com |
| Lemon Squeezy | merchant of record | Yes | On the bank payout list (PayPal payouts also offered) | docs.lemonsqueezy.com |
| Polar | merchant of record | Yes | On Polar's payout countries list | polar.sh |
| Dodo Payments | merchant of record | Yes | On the accepted countries list. Eligibility follows the country that issued your government ID (and every director's and owner's ID) | docs.dodopayments.com |
| Wise Business | business account | Yes | On the list with no business-account restriction noted, so a business there can hold money and get account details to receive | wise.com |
| PayPal | wallet | Yes | Country site offers Send & Request payments and a Business menu with Accept Payments | paypal.com |
Local gateways in Peru
| Gateway | Takes | Fee | Who can sign up | Source |
|---|---|---|---|---|
| Culqi (CulqiOnline / CulqiLink, BCP) | Domestic and international cards, Yape, other digital wallets and PagoEfectivo, via web checkout or payment links | From 3.44% + $0.20 (currency not named; page gives a reference exchange rate of S/3.85) for domestic cards online. Commissions are not subject to IGV. Settlement in 2 business days. | Open to public and private entities and to individuals or companies carrying on a commercial activity with a RUC, DNI or foreigner's ID card (Carné de Extranjería). | culqi.com |
| Mercado Pago Peru | Credit cards (American Express, Diners, Visa, Mastercard), Visa and Mastercard debit cards, PagoEfectivo cash and Mercado Pago balance | 3,49% + S/1,00 for instant access to funds, or 3,29% + S/1,00 if you wait 14 days. No separate international card rate is published. | Not stated | mercadopago.com.pe |
Worth knowing in Peru
| What | Detail | Source |
|---|---|---|
| Local wallet | Yape (BCP's wallet) payments are free for users and need only a QR code or mobile number; Culqi accepts Yape at checkout. | yape.com.pe |
| Published card rate ranges | Culqi's tariff sheet for April to June 2026 shows, across all merchants, maximum and average rates of 4.20% and 2.41% (debit), 4.20% and 2.71% (credit), and 4.99% and 3.60% for foreign cards. | culqi.com |
Fees on the global options
| Provider | Headline fee | Source |
|---|---|---|
| Stripe | 2.9% + 30¢ per successful domestic card transaction (US pricing page; currency not named) | stripe.com |
| Stripe Atlas | $500 one-time setup fee including government fees and the first year of registered agent, then $100 a year (currency not named) | stripe.com |
| Paddle | 5% + 50¢ per checkout transaction (currency not named) | paddle.com |
| Lemon Squeezy | 5% + 50¢ per transaction (currency not named); small extra fees can apply in edge cases | lemonsqueezy.com |
| Polar | 5% + 50¢ per transaction on the free Starter plan for organisations created on or after 27 May 2026, plus 1.5% for non-US cards (currency not named) | polar.sh |
| Dodo Payments | 4% + 40¢ per transaction, plus 1.5% for cards and payment methods outside the US (currency not named) | dodopayments.com |
| PayPal | US rates: 2.99% + fixed fee for card payments, 3.49% + fixed fee for PayPal Checkout; sellers in other countries pay their country's rates | paypal.com |
Questions about getting paid in Peru
- Is Stripe available in Peru?
- No. Peru isn't on Stripe's list of supported countries, so a business based there can't open a Stripe account. Checked on Stripe's global availability page on 27 October 2026.
- What can I use instead of Stripe in Peru?
- To sell software or digital products worldwide, a merchant of record that pays out to Peru: Paddle, Lemon Squeezy, Polar and Dodo Payments. To take payments from local customers, local gateways such as Culqi and Mercado Pago Peru.
- Which merchants of record pay out to Peru?
- Paddle, Lemon Squeezy, Polar and Dodo Payments.
- How much does Culqi charge?
- From 3.44% + $0.20 (currency not named; page gives a reference exchange rate of S/3.85) for domestic cards online. Commissions are not subject to IGV. Settlement in 2 business days. That's as published on culqi.com. Who can sign up: Open to public and private entities and to individuals or companies carrying on a commercial activity with a RUC, DNI or foreigner's ID card (Carné de Extranjería).
- Can I receive PayPal payments in Peru?
- Yes. Country site offers Send & Request payments and a Business menu with Accept Payments.
- Can I use Stripe Atlas from Peru?
- Yes. No founder-country exclusion found; Atlas terms only name Prohibited Jurisdictions (Cuba, Iran, North Korea, Syria, Crimea), none of which is Peru.
Other countries
Argentina · Bangladesh · Colombia · Egypt · Georgia · Ghana · India · Indonesia · Kenya · Morocco · Nepal · Nigeria · Pakistan · Philippines · South Africa · Sri Lanka · Turkey · Ukraine · Vietnam
To choose between a merchant of record, a US company and a local gateway, read Stripe not available in my country.
- Stripe
- No
- Currency
- PEN (Peruvian sol)
- Merchants of record paying out
- 4 of 4
- Checked
Providers change their country lists and fees. Check each provider's own page before you sign up. Spotted something out of date? Tell us in the members' chat.