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Merchant of record

Dodo Payments

Merchant of record for SaaS, AI and digital products

Built for SaaS, AI and digital product builders, including individualsdodopayments.com ↗

77%

of the world’s people live in the 130 countries where Dodo Payments onboards local businesses.

Fully 77%Population: World Bank, population 2024

Designed for

SaaS and AI builders in countries Stripe does not serve directly, including individuals, who need local-currency or USD bank payouts.

Limitations

Eligibility depends on where your ID was issued, and several large markets (Nigeria, Egypt, Bangladesh, Pakistan, Kenya) are not open to new merchants.

What it offers

Accept payments

Dodo Payments resells SaaS, AI products and digital goods as merchant of record, handling payments, tax compliance and chargebacks, with checkout, subscriptions, usage billing, licence keys and digital delivery.

Pay people abroad

Not offered.

Multi-currency account

Not offered.

Business cards

Not offered.

Stablecoins

Not offered.

Yield on idle cash

Not offered.

Selling through Dodo Payments

What you can sell

SaaS and AI products, digital goods, templates, plugins and apps. Not supported include physical goods and in-person services, manual/human digital services (custom design, development, coaching, consulting), licensed professional services (legal, accounting, medical), health and wellness products, adult content, financial products, gambling, games and in-game goods, crypto, hosting/VPN/VPS, telecom, dating and AI relationship companions, travel and visa services, religious or spiritual services, donations and fundraising, marketplaces and ticketing. Review needed: AI content generation, e-books, productised services, marketing tools.

Who can sell

Individuals or registered entities. Eligibility is decided by the country that issued the government ID: an individual's own ID, or the ID of every director and beneficial owner. A company registered in a listed country cannot onboard if any director or owner can only verify with an ID from an unlisted country. Dodo's pages conflict on whether the company's own country of incorporation also has to be listed: the eligibility table checks directors' IDs "in addition to the country of incorporation", while the same page says eligibility is not based "on where your company is registered" and the verification page applies the ID rule "regardless of where the entity is incorporated". The payout bank account may be in a different country from the ID if it is in the merchant's own name. Payouts require approved bank, business and monitoring reviews.

How you get paid

Bank payout to an account in the verified person's or entity's name (the account may be in a different country from the ID): local bank transfer in local currency (no wire fee), international SWIFT wire in USD (per-wire fee), or a Payoneer receiving account entered as a bank account. Available transfer methods vary by country. Balances are held in USD, GBP and EUR wallets; INR payouts discontinued. Paid twice a month by default (1st–15th paid on the 18th, 16th–month end paid on the 4th); weekly on request for higher volumes; some high-risk businesses monthly. Default minimum $100 (can be lowered to $50).

Fees

Standard: 4% + $0.40 per transaction (US cards and wallets); +1.5% for cards and APMs outside the US; +0.5% for subscriptions, add-ons and usage billing; +3% for PayPal or BNPL (Klarna, Afterpay/Clearpay); India INR cards and UPI 4% + $0.15 plus international fees; ACH and SEPA Direct Debit 1.5% capped at $15/€15 (replaces the card fee). $1 per refund, $30 per dispute. Payouts free, but $5 if under $1,000 and $25 for USD SWIFT payouts to non-US businesses. Enterprise pricing is custom. Seen 2026-10-24.

Prices change and may depend on your volume and country. Check the provider’s pricing page before relying on them.

Deeper review

Platform and product capabilities

What you can build on Dodo Payments: for other businesses, for your users, for consumers and with stablecoins.

Platform & marketplace

Run payments for other businesses: sign them up, take a cut, pay them out.

Sub-accounts for your usersNo↗

Marketplaces, multi-vendor platforms and selling on behalf of others are not supported.

Split payments and platform feesNo↗

Taking funds and forwarding them elsewhere is not supported under its MoR structure; no split feature was found.

medium confidence

Embeddable UIYes↗

Overlay checkout sessions display checkout inside your application without a redirect (since v1.56.0, October 2025).

Pay out to your usersNot confirmed↗

Not found on the official pages checked.

low confidence

Embedded finance for your users

Give your users financial products under your brand.

Accounts that hold moneyNot confirmed↗

Not found on the official pages checked.

low confidence

Cards for your usersNot confirmed↗

Not found on the official pages checked.

low confidence

Financing for your usersNot confirmed↗

Not found on the official pages checked.

low confidence

Consumer apps

Build for individuals, not just businesses, the way Bridge allows.

End users can be individualsYes↗

Read as "the seller can be an individual": individual accounts verify with their own government ID.

Consumer wallets or accountsNot confirmed↗

Not found on the official pages checked.

low confidence

Consumer cardsNot confirmed↗

Not found on the official pages checked.

low confidence

Stablecoins

Dollar-backed tokens as a payment and treasury rail.

Accept stablecoinsYes↗

Customers anywhere except India can pay USD checkouts with stablecoins; the merchant is settled in USD. Not available for subscriptions.

Hold stablecoin balancesNo↗

Stablecoin payments settle in USD, so you do not hold crypto.

Pay out in stablecoinsNot confirmed↗

Not found on the official pages checked.

low confidence

Issue your own stablecoinNot confirmed↗

Not found on the official pages checked.

low confidence

AI agents

Build with AI tools, and let AI agents shop and pay.

Official MCP serverYes↗

Official Dodo Payments MCP server (Code Mode) for creating payments, managing subscriptions and refunds.

Checkout for AI agentsNot confirmed↗

Not found on the official pages checked.

low confidence

Cards for AI agentsNot confirmed↗

Not found on the official pages checked.

low confidence

Working with them

How easy it is to get started.

Self-serve signupNot confirmed↗

Not researched yet.

low confidence

Published pricingYes↗

Standard: 4% + $0.40 per transaction (US cards and wallets); +1.5% for cards and APMs outside the US; +0.5% for subscriptions, add-ons and usage billing; +3% for PayPal or BNPL (Klarna, Afterpay/Clearpay); India INR cards and UPI 4% + $0.15

Public API and sandboxNot confirmed↗

Not researched yet.

low confidence

Stablecoin regulatory exposure

Where Dodo Payments’s stablecoin products are available, rated by how clear each country’s stablecoin rules are. This rates the rules, not Dodo Payments. How the scale works

Low risk 37Moderate risk 23Elevated risk 4High risk 9Risk not assessed 57

Where it onboards businesses

Available in 130 of the 170 countries we track.

LimitedAvailable None Not covered yet

Statuses describe the country that issued the identity document, not the place of incorporation: an individual's own ID, or the ID of every director and beneficial owner of a company. A company registered in a listed country cannot onboard if a director or owner only holds an ID from an unlisted country (Dodo's pages conflict on whether the company's own country of incorporation must also be listed). Bangladesh, Egypt, Morocco, Nigeria, Ukraine and a few others are closed to new merchants; merchants already onboarded there continue under enhanced monitoring.

Medium confidence: compiled from public sources, not yet checked line by line. Spotted a wrong country? Report it on that country’s page.

Available

Dodo Payments: common questions

Which countries does Dodo Payments support?

Dodo Payments onboards businesses registered in 130 of the 170 countries we track.

Where is Dodo Payments available, by region?

Countries where Dodo Payments onboards businesses (fully or with limits), by region: North America 2 of 2, Latin America 22 of 26, Europe 40 of 43, Middle East 7 of 14, Africa 30 of 49, Asia-Pacific 29 of 36.

What does Dodo Payments offer?

Accept payments: Dodo Payments resells SaaS, AI products and digital goods as merchant of record, handling payments, tax compliance and chargebacks, with checkout, subscriptions, usage billing, licence keys and digital delivery.

Can marketplaces and platforms use Dodo Payments?

Sub-accounts for your users: No (Marketplaces, multi-vendor platforms and selling on behalf of others are not supported). Split payments and platform fees: No (Taking funds and forwarding them elsewhere is not supported under its MoR structure; no split feature was found). Embeddable UI: Yes (Overlay checkout sessions display checkout inside your application without a redirect (since v1.56.0, October 2025)). Pay out to your users: Not confirmed (Not found on the official pages checked).

What are the alternatives to Dodo Payments?

Other merchant of record providers we track: Paddle, Stripe Managed Payments, Polar, Gumroad, FastSpring and Creem. Which one fits depends mostly on where your business is registered.

Sources

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