What can I use instead of Stripe in Philippines?

To sell software or digital products worldwide, a merchant of record that pays out to Philippines: Paddle, Lemon Squeezy, Polar and Dodo Payments. To take payments from local customers, local gateways such as PayMongo, Maya Business and Xendit Philippines.

How much does PayMongo charge?

Local cards 3.125% + ₱13.39; international cards 4.02% + ₱13.39; QR Ph 1.34%; GCash 2.23%. Rates exclude 12% VAT, which is charged on the fee. That's as published on paymongo.com. Who can sign up: Unregistered individuals can open an account but only accept QR Ph; cards and e-wallets online need a registered business (sole proprietorship, partnership, OPC or corporation). Foreign entities can onboard with extra, apostilled documents.

Can I receive PayPal payments in Philippines?

Yes. Country site offers Send & Request payments and a Business menu with Accept Payments.

Can I use Stripe Atlas from Philippines?

Yes. No founder-country exclusion found; Atlas terms only name Prohibited Jurisdictions (Cuba, Iran, North Korea, Syria, Crimea), none of which is Philippines.

Stripe in Philippines: is it available, and how to get paid

No. Philippines 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 Philippines. For local customers, PayMongo, Maya Business and Xendit Philippines take payments in PHP.

Checked on 27 October 2026 against each provider's own pages. Remote Builders isn't paid by any provider listed here.

Global options for founders in Philippines

Provider	What it is	For Philippines	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 Philippines

Gateway	Takes	Fee	Who can sign up	Source
PayMongo	QR Ph, local and international Visa / Mastercard, GCash, Maya, GrabPay, ShopeePay, direct online banking (BDO, UnionBank, BPI, Landbank, Metrobank), BNPL (BillEase)	Local cards 3.125% + ₱13.39; international cards 4.02% + ₱13.39; QR Ph 1.34%; GCash 2.23%. Rates exclude 12% VAT, which is charged on the fee.	Unregistered individuals can open an account but only accept QR Ph; cards and e-wallets online need a registered business (sole proprietorship, partnership, OPC or corporation). Foreign entities can onboard with extra, apostilled documents.	paymongo.com
Maya Business	Visa, Mastercard, JCB, Amex, Maya QR, QR Ph, GCash, WeChat Pay, ShopeePay	Online Checkout: cards from 3.50% MDR + ₱10 per transaction; QR Ph 1.0% MDR; GCash 2% MDR. No separate international card rate is listed.	Not stated	maya.ph
Xendit Philippines	QR Ph, cards, e-wallets, direct debit (per Xendit docs)	Not confirmed: Xendit's pricing page blocked automated access today.	Registered businesses; individuals only as sub-accounts under a platform (xenPlatform)	xendit.co

Worth knowing in Philippines

What	Detail	Source
Local rail	QR Ph is the national QR standard; customers pay instantly from any participating bank or e-wallet app.	docs.xendit.co
Payouts	Gateways pay out to local banks over InstaPay or PESONet; PayMongo charges ₱10 per payout.	paymongo.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 Philippines

Is Stripe available in Philippines?: No. Philippines 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 Philippines?: To sell software or digital products worldwide, a merchant of record that pays out to Philippines: Paddle, Lemon Squeezy, Polar and Dodo Payments. To take payments from local customers, local gateways such as PayMongo, Maya Business and Xendit Philippines.
Which merchants of record pay out to Philippines?: Paddle, Lemon Squeezy, Polar and Dodo Payments.
How much does PayMongo charge?: Local cards 3.125% + ₱13.39; international cards 4.02% + ₱13.39; QR Ph 1.34%; GCash 2.23%. Rates exclude 12% VAT, which is charged on the fee. That's as published on paymongo.com. Who can sign up: Unregistered individuals can open an account but only accept QR Ph; cards and e-wallets online need a registered business (sole proprietorship, partnership, OPC or corporation). Foreign entities can onboard with extra, apostilled documents.
Can I receive PayPal payments in Philippines?: Yes. Country site offers Send & Request payments and a Business menu with Accept Payments.
Can I use Stripe Atlas from Philippines?: Yes. No founder-country exclusion found; Atlas terms only name Prohibited Jurisdictions (Cuba, Iran, North Korea, Syria, Crimea), none of which is Philippines.

Other countries

Argentina · Bangladesh · Colombia · Egypt · Georgia · Ghana · India · Indonesia · Kenya · Morocco · Nepal · Nigeria · Pakistan · Peru · 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.

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Stripe: No
Currency: PHP (Philippine peso)
Merchants of record paying out: 4 of 4
Checked: 27 October 2026

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.