Payment providers by country: research notes¶
The source file behind monetization-payment-setup. Every fact links to the provider's own page. Checked 2026-10-01. "Unconfirmed" means no official page confirmed it. Re-check before you rely on it, and update this file (with the date) when something changes.
1. Web checkout: merchants of record and processors¶
| Provider | Type | Headline fee | Vietnam | India · Indonesia · Philippines · Pakistan · Nigeria |
|---|---|---|---|---|
| Stripe | Processor (Stripe Tax is an add-on) | 2.9% + 30¢ US cards; +1.5% intl cards, +1% FX | ❌ Not listed (global) | IN, ID "preview" (contact sales); PH, PK not listed; NG via Paystack |
| Stripe Managed Payments | MoR | Stripe fees + 3.5% | ❌ | None. Only US, CA, EU/EEA, GB, CH, NO, LI, AU, HK, JP, SG (eligibility) |
| Paddle | MoR | 5% + 50¢; custom pricing under $10 | ⚠️ Not on the blocked list, not confirmed (countries) | None of the five blocked |
| Lemon Squeezy | MoR (Stripe-owned) | 5% + 50¢, extra fees in some cases | ✅ Bank payouts (countries) | ID, PH, PK, NG bank; IN PayPal only |
| Polar | MoR | Orgs from 27 May 2026: 5% + 50¢, +1.5% non-US cards. Older orgs: 4% + 40¢ (+0.5% subs) | ✅ (countries) | All five |
| Creem | MoR | 3.9% + 40¢ | ✅ (countries) | All five (PK: bank-partner limits) |
| Dodo Payments | MoR | 4% + 40¢ US; +1.5% intl, +0.5% subs, +3% PayPal/BNPL | ✅ (countries) | IN, ID, PH yes; PK not listed; NG existing accounts only |
| Gumroad | MoR since 1 Jan 2025 | 10% + 50¢ direct; 30% via Discover | ✅ VND to local bank (getting paid) | All five, local bank |
| FastSpring | MoR | Quote only (unconfirmed) | Unconfirmed | Unconfirmed |
| PayPal Vietnam | Processor | 4.40% + fixed ($0.30 USD) on payments from abroad (page updated 28 May 2026) | ✅ Withdraw to VN bank, 60,000đ; conversion adds 4% | Unconfirmed |
| Payhip | Store; handles EU/UK VAT and US/CA sales tax only (tax) | Free plan 5%; Plus $29/mo + 2%; Pro $99/mo + 0%; PayPal/Stripe fees extra | Via PayPal; Vietnam needs a business PayPal account (help) | Via PayPal |
2. Payouts¶
| Provider | Methods | Minimum · schedule | Source |
|---|---|---|---|
| Paddle | Wire, Payoneer, Wise-style bank details (PayPal unconfirmed) | $100 · created on the 1st, sent by the 15th; $15 SWIFT fee in some countries | how you get paid |
| Lemon Squeezy | Bank or PayPal | Unconfirmed | countries |
| Polar | Stripe Connect Express | Not stated · Stripe payout fees passed on: $2/month with payouts, 0.25% + $0.25 per payout, 0.25–1% cross-border | fees |
| Gumroad | Local bank (local currency) or PayPal USD (2%); no Payoneer/Wise/wire | $100 · daily, weekly, monthly or quarterly; sales held ≥ 7 days on non-daily schedules | getting paid |
| Creem | Bank (7 USD/EUR or 1%, whichever is higher) or USDC on Polygon (2%) | $50 · 1st and 15th | payouts |
| Dodo | Bank; free normally, $5 under $1,000, $25 USD SWIFT | $50 (fixed) · twice a month | payout structure |
| FastSpring | Wire, PayPal, ACH, check (Hyperwallet portal) | You set it | payouts portal |
| Payhip | Straight to your PayPal/Stripe after each sale | — | pricing |
3. Verification: what they ask for and how long it takes¶
| Provider | What's checked | Typical time | Source |
|---|---|---|---|
| Paddle | ID via Sumsub (ID, proof of address, sometimes liveness video); sometimes business ownership. Domain review: product description, pricing, T&Cs with your legal name, refund policy, privacy policy, HTTPS | ID: instant to 1–3 business days. Domain: mostly automatic, manual 5–7 business days | identity, domain |
| Lemon Squeezy | Business questionnaire + government ID | 2–3 business days | activate your store |
| Polar | ID + selfie via Stripe Identity | First review up to 14 days | account reviews |
| Creem | KYC; KYB if you have a company; payout account. Faster when the product is live and legal pages are visible | 24–48 h, up to 72 h | account reviews |
| Dodo | Government ID + business registration, manual review; eligibility depends on the ID's country | 1–3 business days | verification |
| Gumroad | KYC (via Stripe) once you pass time/sales thresholds | — | getting paid |
| Stripe Managed Payments | Business eligibility review; direct integration only; fully automated digital product with a tax code | Unconfirmed | eligibility |
4. App stores¶
Apple App Store - 30% standard; 15% in the Small Business Program (≤ $1M proceeds last year, or new). Enroll as Account Holder after accepting the Paid Apps Agreement; 15% starts 15 days after the end of the fiscal month you're approved. - To be paid: Paid Apps Agreement, bank info, tax forms (W-8BEN etc.), and the minimum threshold ($40 default for countries not in Apple's table; Vietnam isn't in it). Paid within 45 days of the fiscal month end (overview). - Vietnamese bank accounts: unconfirmed on a public page (you pick the country in App Store Connect). - No US–Vietnam tax treaty in force (IRS list). - Vietnam storefront taxes from Aug 2025: individual developers in Vietnam have 2% PIT withheld, plus 5% FCT on Apple's commission (Apple news). - US storefront allows external purchase links since 1 May 2025 (Apple news). EU: new unified terms from 1 Oct 2026 (DMA page).
Google Play - 15% on the first $1M per year if you enroll; auto-renewing subscriptions 15% (service fees). New tiers for users in the EEA, UK, US (from 30 Jun 2026), Australia and Japan (from 30 Sep 2026) are on the same page. - Enroll: Account Group → declare associated accounts → Review and enroll (help). - Payments profile: legal name, physical address, bank in the same country; country can't be changed later (help). Personal accounts verify with government ID; organizations need a D-U-N-S number (help). - Vietnam is supported for developer and merchant registration (countries), paid by USD wire with a $100 minimum (payouts). - Vietnam: Google withholds 5% on gross sales to Vietnamese users for individual/household developers and needs your Vietnam tax code (help).
RevenueCat: SDK + backend for in-app subscriptions; Apple/Google still pay you. Free up to $2,500 monthly tracked revenue, then 1% (pricing).
Chrome Web Store: paid items were removed (no new paid items from 21 Sep 2020, charging stopped 1 Feb 2021, notice). If you charge, the policy requires you to say you are the seller and publish terms of sale (policy).
5. Vietnam: local gateways for VND buyers¶
| Gateway | Who can register | Fee | Source |
|---|---|---|---|
| payOS (VietQR, bank to bank) | Individual, household business or company; CCCD or tax code, no business licence | Free tier; paid packages or a % "Flex" plan | payos.vn |
| SePay (bank API + VietQR) | Individual, household business or company | Free: 50 transactions/month; paid from 120,000đ/month | pricing |
| VNPay | Company or household business (licence, representative ID, premises photos, bank account); 5–10 working days | Not public | register |
| MoMo Business | Merchant profile on the M4B portal; households verified by eKYC + business licence | Not public | onboarding |
| ZaloPay | Business account; documents reviewed in about 2 working hours (5–7 days for special sectors) | Not public | zalopay.vn |
6. Receiving money from abroad (Vietnam residents)¶
- PayPal: receive at 4.40% + fixed fee, withdraw to a VN bank for 60,000đ (fees).
- Payoneer: receiving accounts in 13 currencies incl. USD; $29.95/year if you receive < $6,000 in 12 months; 1% to receive in a non-local currency; 1.2–4% to withdraw with conversion (pricing). Paddle pays to Payoneer; Gumroad doesn't. Withdrawing VND to a Vietnamese bank: unconfirmed on an official page.
- Wise: Vietnam is not on the list of countries whose residents can hold money (help). Sending to VND works.
- Stripe Atlas: $500 one-time (+$100/year registered agent after year 1) for a Delaware C-corp or LLC, EIN and paperwork; open to founders in 175+ countries (atlas, terms). It creates US tax filing duties; talk to an accountant.
7. Vietnam tax: high level, not advice¶
- Decree 117/2025/NĐ-CP (from 1 Jul 2025): e-commerce and digital platforms with a payment function withhold tax for households and individuals (baochinhphu.vn, EY summary).
- From 1 Jan 2026: households and individuals with revenue up to 1 billion VND/year pay no VAT or PIT; lump-sum tax is replaced by self-declaration (baochinhphu.vn).
- How to declare income from foreign MoRs (Gumroad, Polar, Creem…) as an individual: unconfirmed; ask a local accountant.
Notable changes 2024–2026¶
- Stripe bought Lemon Squeezy (July 2024). In January 2026 its CEO wrote that support is slower, updates are fewer, and migration to Stripe Managed Payments is the goal (2026 update).
- Gumroad became merchant of record on 1 Jan 2025.
- Polar changed pricing for organizations created from 27 May 2026 (plans).
- Stripe India has been invite-only for new accounts since May 2024 (per Lemon Squeezy's countries page).