How to get paid online in the Philippines

Stripe isn't available for businesses in the Philippines. Here is what works instead, depending on what you sell.

Philippines at a glance

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Partner services available to check from the Philippines. Statuses and order of recommendations stay the same, partner or not.

PartnerFirstbaseWorks

Forms a US company (LLC or C corporation) for founders abroad, with the tax ID (EIN). The usual path to Stripe.

PartnerWiseWorks

Multi-currency account to hold, receive and convert money; Wise Business for a US company. Check that Wise serves your country first.

PartnerdoolaCheck first

Forms a US LLC or C corporation and can handle the yearly US filings. Free 15-minute call before you pay.

Partner links: if you sign up, we may earn a commission, at no extra cost to you.

Currency: Philippine peso (PHP). Last updated November 1, 2026.

Stripe doesn't accept Philippine businesses, but Dodo Payments and Wise both list the Philippines. There is no forced conversion of foreign earnings.

Wise lists the Philippines among the countries where residents can hold money in their Wise account, and Dodo Payments lists it among its accepted countries. Source: Wise — where you can hold money
The Bangko Sentral ng Pilipinas imposes no mandatory foreign-exchange surrender on exporters or foreign-currency earners. The peso rate is set by the market. Source: US Department of State — 2025 Investment Climate Statement: Philippines
Mercury lists the Philippines among the countries of residence it doesn't serve. Source: Mercury — prohibited countries

You can sell digital products from the Philippines today, without a foreign company.

Dodo Payments — Sells for you, handles tax and pays out to your bank account.
Payoneer — Handy to receive and convert your payouts.

In the Philippines, freelancers usually get paid through a receiving account.

Payoneer — Receiving accounts for clients and marketplaces, then withdrawal in local currency. Each application is reviewed.
Wise — This country is on Wise's list of countries where residents can hold money and share account details.
PayPal — Only if your account is allowed to receive and withdraw — check first.

For a SaaS in the Philippines, a merchant of record lets you start without a foreign company.

Dodo Payments — A merchant of record for SaaS: it sells for you, handles tax and pays you out.
Payoneer — To receive payouts in a foreign currency.
Firstbase — Later, when revenue justifies yearly costs: forms a US company so you can use Stripe.
doola — Another option, with yearly plans that can include the US tax filings.
Wise — A Wise Business account for that company, to hold dollars and convert payouts to your currency. Check that Wise accepts your company first.

Provider	Status	Details	Source
Stripe Payment processor	Not available	Not on Stripe's official list of supported countries and regions.	Stripe global availability
Dodo Payments Merchant of record	Works	On Dodo Payments' official list of accepted countries. Dodo Payments says eligibility depends on the country that issued the ID used for verification.	Dodo Payments accepted countries
Payoneer Receiving account	Check first	We found no official country-by-country list on Payoneer's site. Payoneer says applications are usually reviewed within 3 business days and it may ask for documents.	Payoneer — official FAQ on account applications
Wise Multi-currency account	Works	On Wise's official list of countries where residents can hold money in their Wise account.	Wise — where you can hold money
PayPal Wallet	Check first	We found no official PayPal page listing, country by country, whether accounts can receive payments and withdraw. Check on your country's PayPal site.	PayPal worldwide
Firstbase US company	Works	Not on Firstbase's published list of 22 restricted countries. Firstbase says its partners, especially banks, may have different criteria.	Firstbase restricted countries
doola US company	Check first	doola says it has served founders in 175+ countries, but publishes no list of countries it cannot serve.	doola pricing
Mercury US business account	Not available	On Mercury's list of prohibited countries: Mercury says it cannot open accounts for founders living here.	Mercury — prohibited countries

Last checked November 6, 2026. Spotted something outdated? Tell us.