Free tool · checked 2026-07-01 · primary sources linked

Can I use it in my country?

Payment-platform availability for founders, sellers, and creators — verified against each platform's own documentation, not blog hearsay. Pick your country and the platform you got blocked on. If the free route works, we say so.

Your country The platform

The full matrix

Every cell links to the platform's own documentation. Rows marked not supported link to our dated breakdown of what actually fixes it (and when a free Wise/Payoneer account is already enough).

Stripe — merchant account signup (opening a Stripe account to charge customers)

Pakistan: Not supported — Pakistan is absent from Stripe's official supported-countries list; no signup, preview, or extended-network path exists. source ↗ · the fix →
Nigeria: Limited — Listed on stripe.com/global only as 'Extended network' served via Stripe-owned Paystack (acquired Oct 2020) — a separate product requiring a Nigerian business; no native Stripe account can be opened. source ↗ · the fix →
India: Invite-only — Labeled 'Preview' on stripe.com/global; Stripe's help page states 'Stripe services are invite-only in India' with signup only via a Sales invite prioritizing export-focused businesses — policy announced May 31, 2024 and still in effect; existing Indian accounts continue to work. source ↗ · the fix →
Bangladesh: Not supported — Bangladesh is absent from Stripe's official supported-countries list. source ↗ · the fix →
Turkey: Not supported — Turkey is absent from Stripe's official supported-countries list, with no preview or extended-network status. source ↗ · the fix →
Egypt: Not supported — Egypt is absent from Stripe's official supported-countries list and is not in the Paystack 'Extended network' set (Côte d'Ivoire, Ghana, Kenya, Nigeria, South Africa) as of 2026-07-01. source ↗ · the fix →
Vietnam: Not supported — Vietnam is absent from Stripe's official supported-countries list. source ↗ · the fix →
Indonesia: Invite-only — Labeled 'Preview' on stripe.com/global; Stripe's help page says 'Stripe is available in Indonesia as an invite-only program', and even admitted accounts cannot process cross-border/international transactions (local IDR only). source ↗ · the fix →
Brazil: Supported — Brazil appears on stripe.com/global with no restriction label — standard self-serve signup for Brazil-registered businesses. source ↗
Nepal: Not supported — Nepal is absent from Stripe's official supported-countries list. source ↗ · the fix →
Saudi Arabia: Not supported — Saudi Arabia is absent from Stripe's official supported-countries list, unlike neighboring UAE. source ↗
United Arab Emirates: Supported — United Arab Emirates appears on stripe.com/global with no restriction label — UAE-established businesses can sign up directly (GA since 2021). source ↗
Morocco: Not supported — Morocco is absent from Stripe's official supported-countries list. source ↗ · the fix →

PayPal — PayPal Business account: ability to RECEIVE payments (not just send/withdraw)

Pakistan: Not supported — Pakistan is absent from PayPal's Worldwide country list and paypal.com/pk falls back to the US site — residents cannot open any PayPal account, so receiving is impossible (the 2025 SBP–Payoneer bridge lets PayPal senders pay Pakistani freelancers via Payoneer, without a PayPal account). source ↗ · the fix →
Nigeria: Limited — Receiving was enabled in early 2026 (live account linking announced Jan 27, 2026): PayPal's NG help center now instructs new Nigerian customers to link a licensed local partner bank (Paga) to receive money, with USD-balance withdrawal to Naira via the partner — but the NG site still markets send/shop only and PayPal-branded merchant checkout for Nigerian businesses is not documented. source ↗
India: Limited — Indian accounts can receive international (cross-border) payments only — requiring PAN verification, an Indian bank account, and an RBI purpose code with forced INR settlement — because PayPal discontinued domestic payment services in India effective April 1, 2021. source ↗
Bangladesh: Not supported — Bangladesh is absent from PayPal's Worldwide country list and paypal.com/bd falls back to the US site — no PayPal accounts of any kind (only Xoom inbound remittances), so receiving is impossible. source ↗ · the fix →
Turkey: Not supported — PayPal halted all Turkey operations in June 2016 after the BDDK refused its license, and the suspension notice ('we stopped our operations in Turkey as of June 2016') is still live on paypal.com/tr as of July 2026. source ↗ · the fix →
Egypt: Limited — Egyptian accounts can receive payments, but PayPal's Egypt-specific help article requires confirming a Visa card or a US bank account to accept money and force-transfers the entire balance to that card/US bank on the first day of every month — no balance holding and no local EGP bank withdrawal. source ↗
Vietnam: Supported — Receiving is documented in PayPal's Vietnam help center (funds can be held in balance or transferred to a bank), and the VN site is a full send-and-request market. source ↗
Indonesia: Supported — Receiving is documented in PayPal's Indonesia help center and the ID site is a full send-and-request market ('Kirim & Minta Pembayaran'). source ↗
Brazil: Supported — Brazil is a full PayPal market (local entity, CPF/CNPJ-verified accounts); received balances auto-transfer to the linked local bank account with automatic BRL conversion for foreign-currency payments. source ↗
Nepal: Not supported — Nepal is on PayPal's Worldwide list and paypal.com/np is live, but only as a send/shop consumer market — the 'receive money' help article is unpublished for the NP locale and Nepal is not in PayPal's partner-bank receive program (HELP1010 lists only Nigeria, Tanzania, Sri Lanka, Maldives) — so accounts exist but cannot receive. source ↗
Saudi Arabia: Supported — Receiving is documented in PayPal's Saudi Arabia help center (balance can be held or transferred to bank) and the SA site is a send-and-request market served by PayPal Pte. Ltd. (Singapore). source ↗
United Arab Emirates: Supported — Receiving is documented in PayPal's UAE help center and the AE site is a full send-and-request market. source ↗
Morocco: Supported — Receiving is documented in PayPal's Morocco help center and the MA site includes Request Money, though PayPal docs do not confirm current withdrawal paths (historically limited to US bank accounts). source ↗

Shopify Payments — Shopify Payments (native gateway) merchant signup — store-owner/business country eligibility

Pakistan: Not supported — Pakistan is not on Shopify's supported-countries list for Shopify Payments; stores must use a third-party payment provider. source ↗
Nigeria: Not supported — Nigeria is not on Shopify's supported-countries list for Shopify Payments; stores must use a third-party payment provider. source ↗
India: Not supported — India is not on Shopify's supported-countries list and Shopify staff confirm no launch timeline; Indian stores use third-party gateways like Razorpay/PayU. source ↗
Bangladesh: Not supported — Bangladesh is not on Shopify's supported-countries list for Shopify Payments. source ↗
Turkey: Not supported — Turkey is not on Shopify's supported-countries list for Shopify Payments. source ↗
Egypt: Not supported — Egypt is not on Shopify's supported-countries list for Shopify Payments. source ↗
Vietnam: Not supported — Vietnam is not on Shopify's supported-countries list for Shopify Payments. source ↗
Indonesia: Not supported — Indonesia is not on Shopify's supported-countries list for Shopify Payments. source ↗
Brazil: Not supported — Brazil is not on Shopify's supported-countries list for Shopify Payments, even though Mexico is the sole supported Latin American country. source ↗
Nepal: Not supported — Nepal is not on Shopify's supported-countries list for Shopify Payments. source ↗
Saudi Arabia: Not supported — Saudi Arabia is not on Shopify's supported-countries list for Shopify Payments, unlike neighboring UAE which has early access. source ↗
United Arab Emirates: Limited — UAE is on the supported list but Shopify's UAE page states verbatim that Shopify Payments in the UAE 'is in early access, and is available only to certain merchants'. source ↗
Morocco: Not supported — Morocco is not on Shopify's supported-countries list for Shopify Payments. source ↗

TikTok Shop (US) — TikTok Shop US seller account registration for foreign/non-resident founders

Pakistan: Not supported — No direct TikTok Shop US registration from Pakistan: TikTok requires the applicant to reside in the USA with a US-issued ID, and the only cross-border lane into the US shop is limited to Mainland China/Hong Kong enterprises; Pakistan also has no local TikTok Shop market. source ↗
Nigeria: Not supported — No direct TikTok Shop US registration from Nigeria: US residency, US-issued ID, and US proof of address are required for the registrant, and Nigeria is not in any TikTok cross-border seller lane nor a local TikTok Shop market. source ↗
India: Not supported — No direct TikTok Shop US registration from India (US residency + US ID required), and TikTok itself has been banned in India since June 2020, so there is no local TikTok Shop and no seller path of any kind. source ↗
Bangladesh: Not supported — No direct TikTok Shop US registration from Bangladesh: registrants must reside in the USA with US-issued ID, Bangladesh is not in the China/HK-only cross-border lane, and no local TikTok Shop market exists. source ↗
Turkey: Not supported — No direct TikTok Shop US registration from Turkey: US residency and US-issued ID required; Turkey is not a TikTok Shop market on seller.tiktok.com (checked Jul 2026) and not in any cross-border lane to the US shop. source ↗
Egypt: Not supported — No direct TikTok Shop US registration from Egypt: US residency and US-issued ID required; Egypt has no local TikTok Shop and no cross-border lane into the US market. source ↗
Vietnam: Not supported — Vietnam residents cannot register for TikTok Shop US (US residency + US ID required); a local TikTok Shop Vietnam exists on seller.tiktok.com for domestic selling only, which does not grant US-market access. source ↗
Indonesia: Not supported — Indonesia residents cannot register for TikTok Shop US (US residency + US ID required); local TikTok Shop Indonesia (Tokopedia-integrated) exists for domestic selling only. source ↗
Brazil: Not supported — Brazil residents cannot register for TikTok Shop US (US residency + US ID required); a local TikTok Shop Brazil (launched 2025) exists on seller.tiktok.com for domestic selling only. source ↗
Nepal: Not supported — No direct TikTok Shop US registration from Nepal: US residency and US-issued ID required; Nepal has no local TikTok Shop and no cross-border lane to the US shop. source ↗
Saudi Arabia: Not supported — No direct TikTok Shop US registration from Saudi Arabia (US residency + US ID required); despite third-party GCC-launch chatter, Saudi Arabia is not listed as a registrable market on seller.tiktok.com as of Jul 2026. source ↗
United Arab Emirates: Not supported — No direct TikTok Shop US registration from the UAE (US residency + US ID required); the UAE is not listed as a registrable TikTok Shop market on seller.tiktok.com as of Jul 2026. source ↗
Morocco: Not supported — No direct TikTok Shop US registration from Morocco: US residency and US-issued ID required; Morocco has no local TikTok Shop and no cross-border lane into the US market. source ↗

Google Play merchant — Google Play Console merchant registration (selling paid apps / in-app purchases / subscriptions), vs plain developer registration

Pakistan: Supported — Developer and merchant registration both supported; default currency PKR but payouts made in USD or EUR per Google's footnote — unchanged since at least May 2022. source ↗
Nigeria: Supported — Developer and merchant registration both supported; developer default currency is USD — unchanged since at least May 2022. source ↗
India: Supported — Developer and merchant registration both supported; default currency INR — unchanged since at least May 2022. source ↗
Bangladesh: Supported — Developer and merchant registration both supported; developer default currency is USD — unchanged since at least May 2022. source ↗
Turkey: Supported — Developer and merchant registration both supported (listed as Türkiye); default currency TRY — unchanged since at least May 2022. source ↗
Egypt: Supported — Developer and merchant registration both supported; default currency EGP but payouts made in USD or EUR per Google's footnote — unchanged since at least May 2022. source ↗
Vietnam: Supported — Developer and merchant registration both supported; default currency VND but payouts made in USD or EUR per Google's footnote — unchanged since at least May 2022. source ↗
Indonesia: Supported — Developer and merchant registration both supported; default currency IDR but payouts made in USD or EUR per Google's footnote — unchanged since at least May 2022. source ↗
Brazil: Supported — Developer and merchant registration both supported; default currency BRL — unchanged since at least May 2022. source ↗
Nepal: Not supported — Merchant registration NOT supported (dev registration ✔, merchant ✘, currency column shows ☆ 'location does not support merchants') — Nepali developers can publish free apps but cannot sell paid apps/IAP; unchanged since at least May 2022 and still an open complaint in Google's developer community as of Oct 2025. source ↗ · the fix →
Saudi Arabia: Supported — Developer and merchant registration both supported; default currency SAR but payouts made in USD or EUR per Google's footnote — unchanged since at least May 2022. source ↗
United Arab Emirates: Supported — Developer and merchant registration both supported; default currency AED but payouts made in USD or EUR per Google's footnote — unchanged since at least May 2022. source ↗
Morocco: Not supported — Merchant registration NOT supported (dev registration ✔, merchant ✘, ☆ in currency column) — Moroccan developers cannot enable Play Billing or sell paid apps/IAP; the last major MENA holdout, unchanged since at least May 2022. source ↗ · the fix →

Amazon KDP payouts — Non-US author royalty payouts (direct deposit vs Payoneer/Wise vs check) and US tax withholding / W-8BEN treaty rates on KDP

Pakistan: Supported — Direct deposit in PKR to Pakistani banks (no minimum threshold) is listed on KDP's Payment Options page, and the US-Pakistan treaty gives a 0% withholding rate on copyright royalties (Art. VIII(1)) with W-8BEN + foreign TIN — one of the best-treated countries on KDP. source ↗
Nigeria: Limited — No direct deposit — KDP offers only wire transfer in NGN (~$100-equivalent minimum per marketplace) or an approved PSP (Payoneer/Wise officially participate); withholding is the full 30% since Nigeria has no US tax treaty. source ↗
India: Supported — Direct deposit in INR (no minimum threshold) per KDP's Payment Options page; US-India treaty rate on copyright royalties is 15% (Art. 12) via W-8BEN with Indian PAN accepted as foreign TIN. source ↗
Bangladesh: Limited — Bangladesh is not a supported bank location (no EFT or wire) — payout is paper check (US$100 threshold) or an approved PSP such as Payoneer/Wise; US-Bangladesh treaty reduces withholding to 10% on copyright royalties (Art. 12(2)). source ↗
Turkey: Limited — Turkey/Türkiye does not appear as a supported bank location on KDP's Payment Options page (checked July 2026) — check or approved PSP only — but the US-Turkey treaty gives a favorable 10% rate on copyright royalties (Art. 12(2)). source ↗
Egypt: Supported — Direct deposit in EGP (no minimum threshold) per KDP's Payment Options page; US-Egypt treaty rate on copyright royalties is 15% (Art. 13(1)) via W-8BEN with foreign TIN. source ↗
Vietnam: Limited — Vietnam is not a supported bank location (check or approved PSP only), and withholding stays at 30% because the 2015 US-Vietnam treaty never entered into force and is absent from IRS Tax Treaty Table 1 (Rev. May 2023, still current). source ↗
Indonesia: Supported — Direct deposit in IDR (no minimum threshold) per KDP's Payment Options page; US-Indonesia treaty rate on copyright royalties is 10% (Art. 13(2)). source ↗
Brazil: Limited — BRL direct deposit is offered only for Amazon.com.br royalties; all other marketplaces pay Brazilian-bank authors by cross-border USD wire (~$100 minimum) or approved PSP, and withholding is 30% as Brazil has no US tax treaty (plus separate Brazilian withholding on .com.br sales). source ↗
Nepal: Limited — Nepal is not a supported bank location (check with US$100 threshold, or approved PSP such as Payoneer/Wise) and withholding is the full 30% — no US tax treaty. source ↗
Saudi Arabia: Limited — Saudi Arabia does not appear as a supported bank location on KDP's Payment Options page (checked July 2026) — check or approved PSP only — and withholding is the full 30% with no US tax treaty. source ↗
United Arab Emirates: Limited — UAE does not appear as a supported bank location on KDP's Payment Options page (checked July 2026) — check or approved PSP only — and withholding is the full 30% with no US tax treaty (UAE residents also have no local income tax to credit it against). source ↗
Morocco: Limited — No direct deposit — KDP offers only wire transfer in MAD (~$100-equivalent minimum) or an approved PSP; US-Morocco treaty reduces withholding to 10% on copyright royalties (Art. 12(2)). source ↗

X creator payouts — Creator Revenue Sharing payouts (ads revenue share / creator payout via Stripe)

Pakistan: Not supported — Pakistan is absent from the explicit 'Country availability' payout list on X's Creator Revenue Sharing help page (verified via June 16, 2026 archive snapshot; help.x.com blocks bots), so Pakistani creators cannot connect a Stripe payout account. source ↗ · the fix →
Nigeria: Supported — Nigeria is listed in the 'Country availability' payout list on X's Creator Revenue Sharing help page (June 16, 2026 snapshot); payouts via Stripe every ~2 weeks, $30 minimum. source ↗
India: Supported — India is listed in the 'Country availability' payout list on X's Creator Revenue Sharing help page (June 16, 2026 snapshot). source ↗
Bangladesh: Supported — Bangladesh is listed in the 'Country availability' payout list on X's Creator Revenue Sharing help page (June 16, 2026 snapshot). source ↗
Turkey: Supported — Turkey is listed in the 'Country availability' payout list on X's Creator Revenue Sharing help page (June 16, 2026 snapshot). source ↗
Egypt: Supported — Egypt is listed in the 'Country availability' payout list on X's Creator Revenue Sharing help page (June 16, 2026 snapshot). source ↗
Vietnam: Supported — Vietnam is listed in the 'Country availability' payout list on X's Creator Revenue Sharing help page (June 16, 2026 snapshot). source ↗
Indonesia: Supported — Indonesia is listed in the 'Country availability' payout list on X's Creator Revenue Sharing help page (June 16, 2026 snapshot). source ↗
Brazil: Not supported — Brazil is absent from X's 'Country availability' payout list (June 16, 2026 snapshot) — notable given market size, and consistent with Stripe never supporting Brazil as a cross-border payout recipient. source ↗ · the fix →
Nepal: Not supported — Nepal is absent from X's 'Country availability' payout list (June 16, 2026 snapshot), so Nepali creators cannot connect a Stripe payout account. source ↗ · the fix →
Saudi Arabia: Supported — Saudi Arabia is listed in the 'Country availability' payout list on X's Creator Revenue Sharing help page (June 16, 2026 snapshot). source ↗
United Arab Emirates: Supported — United Arab Emirates is listed in the 'Country availability' payout list on X's Creator Revenue Sharing help page (June 16, 2026 snapshot). source ↗
Morocco: Supported — Morocco is listed in the 'Country availability' payout list on X's Creator Revenue Sharing help page (June 16, 2026 snapshot). source ↗

Etsy — Etsy seller shop opening (Etsy Payments eligibility requirement)

Pakistan: Supported — Listed as 'Pakistan*' on Etsy's eligible-countries page (verified via 2026-05-26 capture): shops can open since the Payoneer expansion wave that hit the eligibility list between Jan 20 and Feb 19, 2025 (announcement republished Mar 26, 2025); payouts only via a Payoneer Payment Account in USD, plus Persona government-ID + selfie verification. source ↗
Nigeria: Not supported — Nigeria has never been on the Etsy Payments eligible list, so new-shop onboarding is blocked ('If you don't see your country in the dropdown... selling on Etsy isn't available in your country'), and legacy standalone-PayPal shops were closed on Aug 5, 2025. source ↗
India: Limited — Listed as 'India*' (Payoneer) since Oct 17, 2023, but export-only: 'Indian shops enrolled in Etsy Payments cannot accept domestic sales', digital items cannot be sold to buyers in India, and onboarding requires a valid GSTIN plus a one-time $10 setup fee (verified via 2025-08-28 capture). source ↗
Bangladesh: Not supported — Bangladesh is not on the Etsy Payments eligible list (verified via 2026-05-26 capture), so new shops cannot be opened; the standalone-PayPal fallback for non-eligible countries ended with the Aug 5, 2025 shop closures. source ↗
Turkey: Supported — Türkiye is on the eligible list at the standard tier (no Payoneer asterisk; local bank payout), with the caveat on the same page that PayPal does not operate in Türkiye so TR sellers cannot offer PayPal to buyers. source ↗
Egypt: Supported — Listed as 'Egypt*': eligible since the Feb/Mar-2025 Payoneer wave (on the list by Feb 19, 2025; announced Mar 26, 2025), payouts only via Payoneer in USD; one of only three eligible African countries alongside South Africa and Morocco. source ↗
Vietnam: Supported — Vietnam is on the eligible list at the standard tier (no Payoneer asterisk) and has been eligible since at least Oct 2023 (present on the 2023-10-03 capture of the same page). source ↗
Indonesia: Supported — Indonesia is on the eligible list at the standard tier (no Payoneer asterisk) and has been eligible since at least Oct 2023 (present on the 2023-10-03 capture of the same page). source ↗
Brazil: Supported — Listed as 'Brazil*': eligible since the Feb/Mar-2025 Payoneer wave (on the list by Feb 19, 2025; announced Mar 26, 2025); the current Etsy Payments Policy names Brazil among countries required to onboard via Payoneer. source ↗
Nepal: Not supported — Nepal is not on the Etsy Payments eligible list (verified via 2026-05-26 capture), so new shops cannot be opened from Nepal. source ↗
Saudi Arabia: Not supported — Saudi Arabia is not on the Etsy Payments eligible list (verified via 2026-05-26 capture), so new shops cannot be opened from Saudi Arabia. source ↗
United Arab Emirates: Supported — Listed as 'United Arab Emirates*': eligible since the Feb/Mar-2025 Payoneer wave (on the list by Feb 19, 2025; announced Mar 26, 2025); payouts only via a Payoneer Payment Account in USD. source ↗
Morocco: Supported — Morocco is on the eligible list at the standard tier (no Payoneer asterisk) and has been eligible since at least Oct 2023; it survived the Aug 5, 2025 purge that closed shops in most other African countries. source ↗

Mercury banking — Business account signup for a US LLC with a non-US-resident founder (founder-residence eligibility)

Pakistan: Not supported — Founders living in Pakistan are on Mercury's prohibited list (present since the article's earliest Sept 2024 archive, confirmed in the current version updated 2026-06-29); Pakistan addresses are also ineligible for international wires and physical card mailing. source ↗
Nigeria: Not supported — Founders living in Nigeria are prohibited (since at least Sept 2024, confirmed current 2026-06-29); Nigeria residents are also barred from both physical and virtual card issuance and international wires. source ↗
India: Supported — India has never appeared on the prohibited-founder-residence list (verified against Sept 2024, Feb 2026, and current June 2026 versions), but Mercury cannot mail physical cards to India — virtual cards work and cards can be used at Indian merchants. source ↗
Bangladesh: Not supported — Bangladesh was ADDED to Mercury's prohibited-founder-residence list in the April 29, 2026 revision (absent from the Feb 7, 2026 archived version); Mercury cards also cannot be used with Bangladeshi merchants. source ↗
Turkey: Supported — Turkey appears on none of Mercury's restriction lists (prohibited residence, card issuance, card mailing, card usage, or wires) as of the June 2026 article versions. source ↗
Egypt: Supported — Egypt appears on none of Mercury's restriction lists as of June 2026, and outbound international wires to Egypt are supported. source ↗
Vietnam: Not supported — Vietnam was ADDED to the prohibited list in the April 29, 2026 revision; Vietnam residents are also barred from physical and virtual card issuance and cards are unusable with Vietnamese merchants. source ↗
Indonesia: Not supported — Indonesia was ADDED to the prohibited list in the April 29, 2026 revision (previously only physical-card mailing was restricted); cards are also unusable with Indonesian merchants. source ↗
Brazil: Supported — Brazil appears on none of Mercury's restriction lists as of June 2026, including physical card mailing. source ↗
Nepal: Not supported — Nepal was ADDED to the prohibited list in the April 29, 2026 revision (absent from the Feb 7, 2026 archive); cards are also unusable with Nepali merchants. source ↗
Saudi Arabia: Supported — Saudi Arabia is not on the prohibited list, but physical card shipments to SA are 'currently paused due to the ongoing conflict in the region' (card-issuance article, current 2026-06-30) — virtual cards are available immediately. source ↗
United Arab Emirates: Supported — UAE is not on the prohibited list; the same temporary physical-card-shipment pause as Saudi Arabia applies (also Bahrain, Israel, Kuwait, Oman, Qatar), with virtual cards available. source ↗
Morocco: Supported — Morocco is not on the prohibited-founder-residence list, but Mercury cannot mail physical cards to Morocco — virtual cards work. source ↗

Wise / Payoneer — individual USD receiving account (US ACH routing + account number) via Wise Business/personal or Payoneer, for residents of the country

Pakistan: Limited — Wise unavailable — Pakistan is explicitly on Wise's 'can't get USD account details' list and is not a hold-money country; Payoneer works and publishes its own Pakistan individual-account guide with PKR withdrawals (real-time via Meezan Bank partnership), B2B/marketplace payments only. source ↗
Nigeria: Limited — Wise unavailable — Nigeria is explicitly named on Wise's USD-account-details exclusion list (as published July 2026); Payoneer USD receiving accounts work but local withdrawal is community-documented as USD to domiciliary accounts rather than an NGN local rail. source ↗
India: Limited — Wise offers Indian residents balance-holding only 'when travelling overseas' (no home USD receiving account); Payoneer India provides USD/EUR/GBP receiving accounts with digital FIRC/e-FIRA, but under RBI rules earnings are withdrawn to a local INR bank account rather than held in USD. source ↗
Bangladesh: Limited — Wise unavailable — Bangladesh is explicitly on Wise's USD-account-details exclusion list; Payoneer works with withdrawals to BDT banks and bKash via an official Payoneer–bKash partnership, B2B/marketplace payments only. source ↗
Turkey: Limited — Wise unavailable — 'Türkiye' is explicitly on Wise's USD-account-details exclusion list and Turkey is not a hold-money country; Payoneer supports Turkish users (TRY among its listed currencies) with the standard B2B-only receiving restriction. source ↗
Egypt: Limited — Wise unavailable — Egypt is absent from Wise's hold-money country list so no account details of any currency; Payoneer is generally available (190+ countries, availability confirmed at sign-up) though Payoneer publishes no Egypt-specific documentation. source ↗
Vietnam: Limited — Wise unavailable — Vietnam is absent from Wise's hold-money list; Payoneer serves Vietnam (Vietnamese-language site/support, VND bank withdrawals) with USD receiving accounts limited to business/marketplace payers. source ↗
Indonesia: Limited — Wise unavailable for receiving — Indonesia is absent from Wise's hold-money list (Wise Indonesia is outbound-send only); Payoneer works and lists IDR among supported currencies, B2B/marketplace payments only. source ↗
Brazil: Supported — Both work — Brazil is on Wise's hold-money list (personal and business, incl. MEI/Ltda structures) and not USD-excluded, so residents get free USD ACH details (ACH free, $6.11 wires, limits from $20M, personal payers allowed); Payoneer also available; Brazil additionally has native Stripe. source ↗
Nepal: Limited — Wise unavailable — Nepal is absent from Wise's hold-money list; Payoneer has an active documented Nepali user base on its own community forums but publishes no Nepal-specific availability doc, so treat as available-but-confirm-at-signup (thinnest documentation of the 13). source ↗
Saudi Arabia: Supported — Both work — Saudi Arabia is on Wise's hold-money list with no restriction asterisk (personal and business) and is not USD-excluded, so residents get USD ACH details; Payoneer is generally available though no KSA-specific Payoneer documentation or local license was found. source ↗
United Arab Emirates: Limited — Wise UAE is send-only — United Arab Emirates is explicitly on Wise's USD-account-details exclusion list; Payoneer is fully available to UAE residents (AED is even a Payoneer local receiving-account currency), and note UAE separately has native Stripe. source ↗
Morocco: Limited — Wise unavailable — Morocco is absent from Wise's hold-money list; Payoneer accounts and cards are in active use per Payoneer's own community and its 190+-country withdrawal claim, but there is no Morocco-specific Payoneer doc, so confirm at sign-up. source ↗

Data is re-checked against primary sources monthly; each answer shows its source. Also available as JSON: /api/availability.json, and as an open dataset + CLI on GitHub (CC BY 4.0). Found an error? Tell us — corrections ship the same week. Not legal or tax advice.