How to sell digital products when Stripe isn't available
Updated October 24, 2026
In many countries, you don't need Stripe, a US company or a foreign bank account to sell templates, e-books, courses or software. Here is the shortest path that works today.
1. Check that a merchant of record accepts you
Before you build anything, open the page for your country on this site. If Dodo Payments shows "Works", your country is on its list of accepted countries. Dodo Payments says eligibility depends on the country that issued the ID you use for verification.
Create the account and complete the provider's checks before you spend time on the product.
2. Prepare what reviewers look for
- A real product page with a clear description and price.
- A refund policy and a contact email.
- Your legal name and address as they appear on your ID and bank account.
3. Create the product and checkout
Upload your file or set up licence keys, choose the price, and copy the checkout link. You can place that link on a simple landing page, a social profile or an email.
4. Test with a real purchase
Buy your own product once with a card, then refund it. This confirms the full flow — payment, email receipt, file delivery and refund — before real customers arrive.
5. Plan for the money arriving
- Dodo Payments pays out from USD, EUR or GBP balances. If your account is in another currency, your bank converts the transfer at its own rate: ask what it charges.
- Keep a record of each payout statement for your tax return.
- Some countries apply exchange-control rules to foreign income. Check the local rules before your first payout, not after.
Our partners
Services we work with. Same checked statuses as everywhere else on the site — the partnership never changes a status or the order of our recommendations.
doola
Forms a US LLC or C corporation and can handle the yearly US filings. Free 15-minute call before you pay.
Offer. 10% off your first purchase: sign up through our link, then enter the code PWB10 at checkout.
Firstbase
Forms a US company (LLC or C corporation) for founders abroad, with the tax ID (EIN). The usual path to Stripe.
Offer. New customers get $25 off their first order: sign up through our link, then enter the code PARTNERGIFT2024 at checkout.
Wise
Multi-currency account to hold, receive and convert money; Wise Business for a US company. Check that Wise serves your country first.
Partner links: if you sign up, we may earn a commission, at no extra cost to you.
Services mentioned
Dodo Payments
4% + 40¢ per domestic US card or wallet payment, +1.5% for international cards and payment methods outside the US, +0.5% for subscriptions. Payout fee: $5 for payouts under $1,000; USD SWIFT payouts carry an extra fee.
Go to Dodo Payments (opens in a new tab)Payoneer
Fees depend on how you are paid and how you withdraw. Check Payoneer's pricing page for your country.
Go to Payoneer (opens in a new tab)Official sources
Checked October 24, 2026. Prices and rules change: confirm on the official page before you act.