On this page
- Stripe's list is about where your business is based, not where your customers are: once your country is supported you can sell anywhere.
- A merchant of record sells on your behalf and handles sales tax for 5% + 50¢ a sale (Paddle and Lemon Squeezy, 15 October 2026); Atlas gives you a US company for $500.
- Fianto publishes no country list: you enter your country, an admin reviews your application by hand, and its policy bars sanctioned persons and comprehensively sanctioned countries.
Which countries does Stripe support as of October 2026?
Stripe's global availability page listed 51 countries and regions on 15 October 2026. Two of them, India and Indonesia, are marked Preview. Five more, Côte d'Ivoire, Ghana, Kenya, Nigeria and South Africa, are marked Extended network. The other 44 carry no label. The page opens the list with one line: "Stripe is currently supported in the following countries/regions, with more to come."
The list is about where your business is, not where your buyers are. The same page says: "Once Stripe is supported in your country/region, you'll be able to sell to customers anywhere in the world." So a founder in a country that is missing cannot fix the problem by finding customers in the US or the EU.
For businesses outside the list, the page offers Stripe Treasury with stablecoins, which it says is accessible from the USA and more than 100 other countries and regions, and adds: "Payments not supported yet." It also points to Stripe Atlas, covered below. Stripe's separate stablecoin payment method is compared with Fianto in Stripe stablecoin payments vs Fianto checkout.
Fianto publishes this post and sells one of the routes in it, the USDC one. The other two are described from their own pages, and the post says where each of them is the better pick.
What can you use when Stripe does not support your country?
Three routes work without a Stripe account in your own country. Prices are as each provider published them on 15 October 2026.
| Stripe Atlas, then Stripe | Merchant of record (Paddle, Lemon Squeezy) | USDC on Solana with Fianto | |
|---|---|---|---|
| What you set up | A Delaware C corporation or LLC | A seller account; the provider is the legal seller | A Fianto account, approved by hand, and a Solana wallet |
| Published cost | $500 once, $100 a year from year two for the registered agent; then Stripe pricing, 2.9% + 30¢ for US domestic cards | 5% + 50¢ per sale on both; Lemon Squeezy says some payments may carry extra fees | Nothing for you. No Fianto fee during the beta; after it, about 0.1 to 0.5% on top, paid by the customer |
| How customers pay | Cards and the other methods Stripe offers | Cards and the other methods the provider offers | USDC on Solana only, from their own wallet |
| What you receive | Payouts to a US bank account | Payouts from the provider | USDC in your wallet, in the same transaction the customer signs |
| Sales tax and VAT | Yours to handle | Collected and paid by the provider | Yours to handle; Fianto calculates no tax |
Stripe Atlas
Stripe Atlas forms a Delaware C corporation or LLC for a one-time $500, which the page says "includes government fees and your first year of registered agent services", then $100 a year from the second year. The Atlas page promises that "Within two business days, you'll be incorporated and ready to bank, fundraise, and accept payments," and says "Startups in over 175 countries have chosen Atlas to start their business." Read its terms for your own country before you count on it. Owning a US company has costs and filings of its own beyond the $500: price them with an adviser first.
A merchant of record
A merchant of record is a company that sells your product to the customer in its own name, takes the payment and the tax liability, and pays you what is left. Three of them are compared in Gumroad, Lemon Squeezy and Paddle for crypto sellers. Paddle's pricing page lists "5% + 50¢ per Checkout transaction". Lemon Squeezy's pricing page lists the same 5% + 50¢ and says: "Lemon Squeezy is your merchant of record. We take on the liability of tax collection and calculation and pay taxes on your behalf." Check each provider's seller and payout rules for your own country before you build on it.
Who can sign up for Fianto, and from which countries?
Fianto publishes no list of supported countries, and it does not accept everyone. Signing up takes an email, a 6-digit code sent to it and a password. The "Who gets paid" step then asks what you are, a registered company, an unregistered business or an individual, and which country you are in, from the full list of ISO country codes. Two-factor sign-in and a signed message from the wallet you get paid to come next, then you submit for review.
An admin reviews every application by hand, from that typed profile and the wallet proof. No review time is promised, and a rejection is final. Being able to pick your country in the form is not an approval.
Two documents set the outer limits. Fianto's Acceptable Use Policy (version 1.1, effective 23 September 2026), section 4 "Sanctions", says: "You may not use Fianto if you, your owners, or anyone who controls your business is the subject of sanctions imposed by the United Nations, the United States, the European Union, the United Kingdom or the United Arab Emirates, or is located in a comprehensively sanctioned country or region." The Terms of Service, section A4 "Who can use Fianto", add: "We may decide not to offer the Services in some countries, and we may change that list." The policy's prohibited and needs-approval business types apply wherever you are based.
Whether you may take payments, or hold USDC, where you live is a question for local law, and this post does not answer it: it is not legal or tax advice. For the US, the federal and New York rules are quoted in do you need a licence to accept crypto payments. The review steps are in the docs page on review and approval.
Every step from sign-up to the first USDC payment, with what the checkout asks of your customer.
Read how to accept USDCWhat do your customers need to pay you in USDC?
Your customers need a Solana wallet that can sign transactions, USDC on Solana in it, and a little SOL for the network fee of the transaction they sign, under $0.01. The checkout's wallet list names nine wallets, Phantom and Solflare among them, and the page tells the customer the exact SOL amount it needs before they pay. A subscription also needs SOL for account rent, which the checkout shows too.
Cards and bank transfers do not exist on Fianto. That is the real cost of this route: if your buyers pay by card today and have never held a stablecoin, a USDC checkout will lose most of them, and a merchant of record will not. The route fits when your buyers already hold USDC: developer tools, crypto products, communities paid in stablecoins, clients abroad who prefer it to a wire. What the hosted checkout shows them before they sign is on its own page.
What does a 49.00 sale cost on each route?
A 49.00 sale, priced in US dollars on the card routes and in USDC on Fianto, at the published rates of 15 October 2026:
| Route | Fee on 49.00 | You keep before payout costs |
|---|---|---|
| Paddle, 5% + 50¢ | $2.95 | $46.05 |
| Lemon Squeezy, 5% + 50¢ | $2.95, plus any extra fee its page mentions | $46.05 or less |
| Stripe via Atlas, US domestic card, 2.9% + 30¢ | $1.72 | $47.28 |
| Stripe via Atlas, international card, +1.5% | $2.46, and 1% more if currency conversion is needed | $46.54 or less |
| Fianto, USDC | 0 for you; the customer pays under $0.01 in SOL, and after the beta about 0.05 to 0.25 USDC on top | 49.00 USDC |
The rows do not buy the same thing. The merchant of record fee includes tax handling, and the Atlas route includes a company and a bank account. The Fianto row includes neither, and the 49.00 arrives as USDC, which you convert yourself if you need local money: turning USDC revenue into local currency covers the options. The full card arithmetic is in USDC vs card fees.
Which route should you pick?
- Pick a merchant of record if you sell software or digital products to people who pay by card, and you would rather not register for sales tax or VAT yourself. The 5% + 50¢ buys the tax work and the card reach.
- Pick Atlas if you want the whole Stripe product and can carry a US company, its yearly costs and its filings.
- Pick USDC if your customers already hold it, or if neither of the other routes will take you. Expect to keep running USDC beside one of the others rather than instead of it.
If a processor turned you away for your business type rather than your country, the question is different, and Stripe closed my account: USDC as a second rail answers it. A USDC rail does not get around an acceptable-use review in either case.