COUNTRY-BY-COUNTRY DATABASE

Compare payment options by country and task.

A practical, source-linked shortlist for merchant checkout, international withdrawals, multi-currency balances and platform payouts. Filter the directory by market and the job you need a provider to perform.

Reviewed: 21 October 2026 · Static research snapshot, not a live eligibility API

Important: “Available” can mean different things. This directory distinguishes merchant payment acceptance, balance holding, wallet withdrawals and business payout infrastructure. A provider listing is not an account approval, and a payout coverage table does not prove that a local individual can open a business sender account.

How to use this directory

Select the country where your actual business or account is based, then choose the task you need. Read the limitation on each card and open the official source. Before making a decision, confirm the legal entity, residence, permitted business category, payment methods, currency, settlement route, fees and documents for your specific account.

Showing source-linked provider entries.

AustraliaCountry listed

Stripe

Merchant payments

Stripe lists Australia among its standard supported business markets for eligible merchant payment accounts.

Check before relying on it

Confirm the legal entity, restricted-business rules, required identification, bank settlement and product-specific subscription features before integrating.

Source review: 21 October 2026

AustraliaSupported-country page available

Shopify Payments

Shopify checkout

Shopify’s supported-country directory includes Australia and links to Australian business, bank-account and payout requirements.

Check before relying on it

The business must meet the Australian onboarding and verification rules. Country listing alone does not confirm a particular store or business category will be approved.

Source review: 21 October 2026

AustraliaCountry listed for holding money

Wise

Multi-currency account

Wise lists Australia among locations where eligible customers can hold money in a Wise account.

Check before relying on it

Balance holding does not guarantee every currency detail, card, transfer route or Business feature. Review the feature-specific page and onboarding conditions.

Source review: 21 October 2026

CanadaCountry listed

Stripe

Merchant payments

Online card and local payment acceptance for eligible Canadian businesses, subject to the requirements of the selected Stripe product.

Check before relying on it

Confirm entity, business type, supported products, settlement currency, bank requirements and the current fee schedule before integrating.

Source review: 21 October 2026

CanadaSupported-country page available

Shopify Payments

Shopify checkout

Integrated payments for eligible Shopify stores based in Canada.

Check before relying on it

Review the Canadian onboarding rules, eligible business types, bank-account requirements and accepted payment methods on Shopify’s country page.

Source review: 21 October 2026

CanadaCanadian withdrawal options documented

PayPal

Balance withdrawal

PayPal Canada documents withdrawals to linked bank accounts or eligible debit cards, including instant and standard transfer options.

Check before relying on it

Fees, limits, identity checks, bank clearing times and currency conversion can affect the amount and arrival date. Confirm the method offered in your account.

Source review: 21 October 2026

CanadaCountry listed for holding money

Wise

Multi-currency account

Wise lists Canada among places where customers can hold money, subject to the specific account and currency features offered.

Check before relying on it

Do not assume every account detail, card, payout source or business structure qualifies. Check the relevant Wise feature page and the account onboarding flow.

Source review: 21 October 2026

MalaysiaPersonal balance accounts only

Wise

Multi-currency account

Wise’s current balance-holding guidance says customers in Malaysia can hold money in personal accounts, not business accounts.

Check before relying on it

Do not treat this as general Wise transfer eligibility or proof that all other Wise features are unavailable. Check each feature and account type separately.

Source review: 21 October 2026

MalaysiaMYR payout destinations listed

Xendit

Business / platform payouts

Xendit’s payout coverage lists Malaysia and MYR as a local payout destination for supported business payout use cases.

Check before relying on it

This documents a payout destination, not universal sender-account eligibility. Confirm which country your business must be registered in, supported use cases and onboarding requirements.

Source review: 21 October 2026

MalaysiaNot listed for standard onboarding

Stripe

Merchant payments

Malaysia does not appear in Stripe’s standard supported-country list checked for this guide.

Check before relying on it

“Not listed” is limited to the linked global country list; it is not proof every Stripe product or partner route is unavailable. Verify the actual entity and product route.

Source review: 21 October 2026

MalaysiaNot listed on the page checked

Shopify Payments

Shopify checkout

Malaysia does not appear in Shopify’s current Shopify Payments supported-country directory checked for this guide.

Check before relying on it

Shopify directs merchants in unlisted countries to third-party providers. Check the options shown in your own Shopify admin and confirm that the selected provider supports your actual business.

Source review: 21 October 2026

NigeriaRegistered Nigerian businesses served

Paystack

Merchant payments

Paystack says it serves businesses registered in Nigeria, Ghana, South Africa and Kenya, with online payment and additional business payment products.

Check before relying on it

Check onboarding status, verification documents, permitted business category, international-payment activation and current settlement rules before implementation.

Source review: 21 October 2026

NigeriaNot listed for standard onboarding

Stripe

Merchant payments

Nigeria does not appear in Stripe’s standard supported-country list checked for this guide.

Check before relying on it

This statement is limited to Stripe’s public standard availability list. Do not assume all products or future partner routes are covered, and do not use false entity or address details to bypass onboarding.

Source review: 21 October 2026

NigeriaNot listed on the page checked

Shopify Payments

Shopify checkout

Nigeria does not appear in Shopify’s current Shopify Payments supported-country directory checked for this guide.

Check before relying on it

Stores based in unlisted countries need to review third-party payment providers and confirm the exact merchant-country eligibility and settlement route.

Source review: 21 October 2026

NigeriaNot listed for holding balances

Wise

Multi-currency account

Nigeria does not appear in Wise’s current balance-holding eligibility list checked for this guide.

Check before relying on it

That does not establish whether every Wise transfer or recipient route is unavailable. Check the separate sending/receiving pages for your exact transaction direction and account type.

Source review: 21 October 2026

PhilippinesPhilippines-focused payment acceptance

PayMongo

Local merchant payments

PayMongo documents cards, e-wallets, QR Ph, online banking and buy-now-pay-later options for Philippine businesses.

Check before relying on it

Its API documentation says payments from international customers are accepted through Visa or Mastercard card transactions. Confirm business onboarding and payment-method approval before launch.

Source review: 21 October 2026

PhilippinesEligible account linking required

PayPal + GCash

Wallet withdrawal route

PayPal documents withdrawals to GCash for eligible Philippines-based PayPal accounts and fully verified GCash wallets.

Check before relying on it

The official help page states one-to-one account linking and a 500 PHP minimum transfer. Check the quote, conversion, fee and processing estimate displayed before confirming.

Source review: 21 October 2026

PhilippinesCountry listed; PHP-specific limits apply

Wise

Multi-currency account

Wise lists the Philippines for holding money and publishes country-specific PHP transfer and receiving limits.

Check before relying on it

Review the current PHP conversion/transfer caps and monthly receiving rules. Personal, freelancer Business and other company account types may have different limits.

Source review: 21 October 2026

PhilippinesPhilippines PHP payout route listed

Xendit

Business / platform payouts

Xendit’s payout coverage documentation lists the Philippines, PHP and instant local payouts for multiple business use cases.

Check before relying on it

That coverage table is about payout destinations. It does not by itself confirm that every freelancer can create a sender account; verify company-country onboarding and the exact product.

Source review: 21 October 2026

PhilippinesNot listed on the supported-country page checked

Shopify Payments

Shopify checkout

The Philippines does not appear in Shopify’s current Shopify Payments supported-country directory checked for this guide.

Check before relying on it

Shopify instructs merchants in unlisted countries to use a third-party payment provider. The chosen provider must separately support the merchant’s Philippines-based business and settlement route.

Source review: 21 October 2026

PhilippinesNot listed for standard local onboarding

Stripe

Merchant payments

The Philippines is not shown in the Stripe global list of standard supported business countries checked for this guide.

Check before relying on it

This is not a claim that every Stripe product is unavailable in every circumstance. Verify the country of the actual legal entity and the product route; do not use inaccurate address or entity details to bypass onboarding rules.

Source review: 21 October 2026

SingaporeCountry listed

Stripe

Merchant payments

Stripe lists Singapore among its standard supported business markets for eligible merchant payment accounts.

Check before relying on it

Check the Singapore-specific entity, business-category, identity, bank, payment-method and settlement requirements for the product you need.

Source review: 21 October 2026

SingaporeSupported-country page available

Shopify Payments

Shopify checkout

Shopify’s supported-country directory includes Singapore and links to local verification, accepted payment methods and payout rules.

Check before relying on it

Confirm that the store’s legal business location, category, documents and qualifying bank account meet the Singapore requirements.

Source review: 21 October 2026

SingaporeCountry listed for holding money

Wise

Multi-currency account

Wise lists Singapore among locations where eligible customers can hold money in a Wise account.

Check before relying on it

Account details, card issuance, transfer limits and business-account permissions are separate features. Confirm those rules directly for the actual account.

Source review: 21 October 2026

SingaporeSGD payout destination listed

Xendit

Business / platform payouts

Xendit’s payout coverage lists Singapore and SGD as a supported destination for eligible business payout use cases.

Check before relying on it

Payout destination coverage does not mean a business in every country can open a sending account. Confirm account eligibility and the product’s supported origin countries.

Source review: 21 October 2026

South AfricaServes registered South African businesses

Paystack

Merchant payments

Paystack says it serves businesses registered in South Africa, Ghana, Kenya and Nigeria. It documents cards and local payment methods for eligible merchant accounts.

Check before relying on it

International payments require the feature to be enabled and compliance requirements to be met. Business type and regulatory review can affect activation.

Source review: 21 October 2026

South AfricaExtended-network label — not standard direct onboarding

Stripe — Extended network route

Partner route

Stripe’s global availability page labels South Africa “Extended network” and directs users to a partner route rather than treating it as a standard Stripe-supported country.

Check before relying on it

Read the linked route carefully and assess the actual partner/provider account you would open. Do not assume that a South African entity can open the same direct account as a listed standard market.

Source review: 21 October 2026

South AfricaCountry-specific withdrawal rules apply

PayPal

Balance withdrawal

PayPal South Africa provides bank-withdrawal guidance, while noting that receiving money in some countries may depend on a licensed local partner.

Check before relying on it

Confirm the partner-linking requirements for your own verified account, the actual withdrawal destination, currency conversion and the current transfer fees.

Source review: 21 October 2026

South AfricaCountry listed for holding money

Wise

Multi-currency account

Wise includes South Africa on its balance-holding eligibility list for eligible customers.

Check before relying on it

Review the separate rules for personal and business accounts, account details, cards, transfers and supported currencies before relying on a route.

Source review: 21 October 2026

South AfricaNot listed on the supported-country page checked

Shopify Payments

Shopify checkout

South Africa does not appear in Shopify’s current Shopify Payments supported-country directory checked for this guide.

Check before relying on it

Shopify says stores in countries not listed should use a third-party payment provider. Check Shopify Admin for currently available providers and each provider’s South African eligibility.

Source review: 21 October 2026

United Arab EmiratesCountry listed

Stripe

Merchant payments

Stripe lists the United Arab Emirates among standard supported business markets.

Check before relying on it

Verify the legal entity, local business documentation, industry, settlement currency and requirements for the specific Stripe product before relying on country-level availability.

Source review: 21 October 2026

United Arab EmiratesSupported-country page available

Shopify Payments

Shopify checkout

Shopify’s supported-country directory includes the United Arab Emirates and links to country-specific activation and payout requirements.

Check before relying on it

Read the UAE requirements for eligible businesses, bank accounts, accepted payment methods and verification documents before enabling checkout.

Source review: 21 October 2026

United KingdomCountry listed

Stripe

Merchant payments

Online card and local payment acceptance for eligible UK businesses, including recurring-payment use cases supported by the chosen product.

Check before relying on it

The country list is only the first check. Review your legal entity, business category, identity and bank-account requirements, plus current pricing and dispute fees.

Source review: 21 October 2026

United KingdomSupported-country page available

Shopify Payments

Shopify checkout

Integrated checkout and payouts for eligible stores whose business is based in the United Kingdom.

Check before relying on it

Shopify requires country-specific business and bank verification. Review the UK requirements and check whether your business category is allowed.

Source review: 21 October 2026

United KingdomUK withdrawal guidance available

PayPal

Balance withdrawal

PayPal UK documents standard bank transfers and instant transfers to eligible bank accounts or debit cards.

Check before relying on it

Instant eligibility, bank matching, currency conversion and transfer timing can vary. Confirm your own Wallet options and the current fee schedule.

Source review: 21 October 2026

United KingdomCountry listed for holding money

Wise

Multi-currency account

Wise lists the UK among places where eligible customers can hold money. Account details, cards, Business access and specific currencies have separate eligibility rules.

Check before relying on it

Check the feature-specific pages for your account type and currency; a balance-holding listing is not proof that every Wise feature is available.

Source review: 21 October 2026

United StatesCountry listed

Stripe

Merchant payments

Stripe lists the United States among its standard supported business markets for eligible merchant payment accounts.

Check before relying on it

The relevant legal entity, business category, bank payout route, settlement currency and product-specific rules still apply. A US customer base does not qualify a foreign entity by itself.

Source review: 21 October 2026

United StatesSupported-country page available

Shopify Payments

Shopify checkout

Shopify’s supported-country directory includes the United States and links to local business verification and payout requirements.

Check before relying on it

Confirm the real business location, category, ID, address and eligible bank details. Do not infer approval from customer location or site domain alone.

Source review: 21 October 2026

United StatesCountry listed — Nevada restriction

Wise

Multi-currency account

Wise lists the United States for holding money but states that people living in Nevada cannot hold money in a Wise account under the current guidance checked.

Check before relying on it

Check the live Wise page for your state, account type and requested feature. Cards, account details, transfers and Business eligibility may have separate rules.

Source review: 21 October 2026

A short checklist before you open an account

  1. Match the feature: a payout route, multi-currency account and merchant checkout are not interchangeable products.
  2. Use accurate entity details: country, address, ownership and business category must match the real situation and the provider’s rules.
  3. Confirm the amount received: compare transaction fees, currency conversion, withdrawal charges and any bank or intermediary fees.
  4. Keep evidence: save the official requirements and the fee quote shown during onboarding because provider rules can change.

Read the deeper market guides for the United Kingdom, Canada, South Africa and the Philippines. For provider-wide rules, start with the Stripe, PayPal, Wise and Shopify Payments guides.

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