You don’t need a full website to run a business anymore. Whether you’re freelancing, consulting, selling digital products, or offering services through social media—clients still need to pay you. The catch?
Most traditional payment processors require a website, business registration, or complicated setup.
This guide shows you how to accept international payments in 2025 without a website, using legit, global platforms that are simple, fast, and secure.
These tools work whether you’re:
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A freelancer with overseas clients
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A digital product seller with only a social profile
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A consultant or coach taking cross-border payments
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A small business with no formal storefront
1. Wise Business (Formerly TransferWise)
Best for: Freelancers and solo businesses getting paid by clients via bank transfer
Why it works:
Wise gives you local bank account details in USD, EUR, GBP, AUD, and more. That means clients can pay you like they would a domestic vendor—no website, no hassle.
Features:
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Receive money like a local in 10+ currencies
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Transparent, low FX fees
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Easy invoice templates with payment links
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Send money to your local bank account at low cost
Affiliate potential: Yes — up to $50 per new user
Global support: 160+ countries
How to use it:
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Set up a Wise Business account
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Generate an invoice or payment request with your Wise bank details
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Share the payment instructions via email or message
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Get paid directly—no storefront needed
Perfect for:
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Client services
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Remote freelance work
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Agencies billing international customers
2. Payoneer
Best for: Freelancers, marketplace sellers, and affiliate earners
Why it works:
Payoneer provides local receiving accounts and lets you request payments via email—even if you don’t have a storefront or online checkout.
Features:
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Multi-currency virtual bank accounts
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One-click payment requests (credit card, ACH, wire)
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Instant transfers between Payoneer users
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Withdraw to your local bank in 1–2 days
Affiliate potential: Yes — tiered commissions per new account
Global support: 200+ countries
How to use it:
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Create a Payoneer account
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Add your clients’ email
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Send a payment request directly from the dashboard
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Clients pay via card or bank transfer
Perfect for:
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Upwork/Fiverr freelancers
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Amazon/eBay sellers
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Remote consultants
3. Stripe Payment Links
Best for: Solopreneurs selling services, digital goods, or subscriptions
Why it works:
Stripe lets you create payment links with fixed prices, products, or subscriptions—no website, no code.
Features:
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One-time or recurring payments
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Accepts credit/debit cards, Apple Pay, Google Pay
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Built-in receipts and tax compliance
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Works globally (Stripe-supported countries only)
Affiliate potential: No direct program, but strong tool-stack monetization
Global support: 45+ countries
How to use it:
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Open a Stripe account
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Create a product or service in the dashboard
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Generate a payment link
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Share it in your email, DM, or landing page
Perfect for:
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Selling a one-off service
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Running a workshop or class
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Accepting recurring client payments
4. Gumroad
Best for: Selling digital products without a store
Why it works:
Gumroad lets you upload your product (like a template, ebook, or guide), set a price, and generate a buy link you can share anywhere—no website needed.
Features:
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Accepts global cards, Apple Pay, PayPal
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Instant delivery of digital products
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No-code storefront + hosted checkout
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Pay-what-you-want pricing options
Affiliate potential: Moderate (tool stack context, creator recommendations)
Global support: 180+ countries
How to use it:
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Sign up and add your product
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Customize your price and settings
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Share your product link on social or via email
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Payments go directly to your account
Perfect for:
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Creators selling PDFs, courses, templates
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Micro SaaS or digital downloads
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Newsletter-based products
5. Ko-fi & Buy Me a Coffee
Best for: Creators and casual services
Why it works:
These platforms let people support you directly without a storefront. You can set up a page, accept one-time or recurring payments, and offer digital downloads.
Features:
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Instant setup
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Supports PayPal, card payments
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Optional memberships and shop features
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Minimal fees
Affiliate potential: Limited, but useful for audience building
Global support: Most countries with PayPal/card access
How to use it:
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Set up your page (like a mini-profile/store)
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Share your Ko-fi or BMAC link anywhere
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Accept donations or sell extras directly
Perfect for:
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Designers, writers, creators
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Support-based side projects
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Newsletter perks or tip-based content
Which Should You Use?
Use this breakdown:
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Freelancing or agency work → Wise or Payoneer
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One-off services or coaching → Stripe Payment Links
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Selling digital products → Gumroad or Podia
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Content support & micro income → Ko-fi or Buy Me a Coffee
All of these work without needing a full website. You can plug them into social bios, link trees, emails, or chat threads—and start collecting payments in minutes.
Final Word
Don’t let “I don’t have a website yet” block your income. The tools are already here. You just need to pick the one that fits your business model, activate it, and get paid.
Set it up once, keep it clean, and make it easy for clients or buyers to pay you—without chasing invoices or hacking together awkward workarounds.
