The OBPAI Geek Team•2026/11/6•0 阅读
Individual Payouts 2026
Compiled 2026-11-06. Individual payout ranking. Creem is No. 1, Dodo is No. 2, Waffo is No. 3.
PayoutsCreemDodoWaffoPayPal
Compiled on 2026-11-06. Fees and opening rules come from vendor pages opened on 2026-11-05. The Paddle signup note and the Lemon Squeezy payout-country page were checked again on 2026-11-06. This is the individual-payout ranking. China has to appear in the personal opening or payout note before a platform can lead. Creem is No. 1, Dodo is No. 2, and Waffo is No. 3. The global seller ranking is at https://obpai.com/blog/indie-dev-payouts-2026, where Stripe is No. 1.
Editor order for individual payouts
The first five name mainland China, or leave China off an unsupported list, and they let an individual or a professional open. Nos 6 and 7 receive money and do not run checkout. Nos 8 to 10 let an individual open a shop, leave mainland banks off the payout list, and pay out through PayPal or Stripe.
| Rank | Platform | Individual opening | Published fee | Payout timing |
|---|---|---|---|---|
| 1 | Creem | Individuals can onboard. A China individual is paid by Alipay. A business is paid to a local bank. | 3.9% plus $0.40 on the order. A bank payout costs $7 or 1%, whichever is higher. Alipay is capped at 50,000 CNY per payout and 300,000 to 600,000 CNY a year. | The 1st and the 15th, after you click withdraw, once the balance reaches $50 or €50. Risk review can hold funds for 7 to 12 days. A payout on the 15th only includes payments processed before the 8th. |
| 2 | Dodo | Eligibility follows the country that issued the identity document, not the country where a company is registered. China is on the list. | 4% plus $0.40. Regular payout processing is listed as free, and a payout under $1,000 costs $5. The pricing page prices a USD SWIFT wire for non-US businesses at $25. | Default cycle is twice a month. Sales from the 1st through the 15th pay on the 18th. Sales from the 16th through month-end pay on the 4th of the next month. The default threshold is $100. The lowest setting is $50. |
| 3 | Waffo | The pricing page offers a company path and an individual-developer path. The merchant-of-record page says you do not have to incorporate in another country. | Domestic cards start at 2.9% plus $0.50. A payout to a person in China costs 1.00% plus $3.50. Alipay is 0.01 to 50,000 CNY. A China bank transfer is 1 to 20,000 CNY, with a yearly bank cap of $50,000 per person. | The payout page does not print a fixed date. |
| 4 | PayPal | The fee page covers accounts opened at PayPal's China entity under the cross-border agreement. The same site describes withdrawals from a personal account. | Mainland commercial transactions are 4.40% plus a fixed fee. In USD that fixed fee is $0.30. A wire to a mainland bank is $35 per withdrawal. | The fee page was last updated on 18 June 2025. It does not print a wire day count. |
| 5 | Paddle | The signup page says you can open an account and start selling. China is absent from the unsupported-country list. The domain has to be approved, and sellers are reviewed on a schedule. | Checkout is 5% plus $0.50. Most countries have no extra payout fee. Some countries pay $15 for SWIFT. That sentence does not name China. | You cannot withdraw on demand. On the 1st, a balance over your threshold (minimum $100) becomes a payout. Paddle sends it by the 15th. It can then take up to 3 working days. |
| 6 | Payoneer | The page addresses businesses and professionals. China appears on the same-country local-currency withdrawal row. Payoneer receives money. It does not run a checkout. | A receiving account in your local currency is free. A non-local currency costs 1%, with a $1 minimum. A local-currency withdrawal to a bank in China is $1.50. If receipts stay under $6,000 across 12 months, the annual account fee is $29.95. Paid annual plans skip that fee in the first year. | The page does not print a day count. |
| 7 | Wise | China is on the list of places where you can hold money, and the extra-restrictions cell is empty. Wise receives money. It does not run a checkout. | Domestic receiving is free for most currencies. USD ACH is free. A domestic USD wire has a fee. Swift receiving is charged in the currency you receive: $6.11 for USD and 28.70 for CNY. | The page link is https://wise.com/invite/dic/1ndm9w4 . |
| 8 | Gumroad | From 1 January 2025 Gumroad handles sales tax. The bank table lists Hong Kong, Macao, and Taiwan. Mainland China is not on it. Where bank payouts are unavailable, Gumroad pays PayPal, personal or business. | Direct sales are 10% plus $0.50. | You can choose daily, weekly, monthly, or quarterly. Weekly, monthly, and quarterly payouts need $100 and a 7-day hold. Daily payouts are for US bank accounts after 4 earlier payouts and a 60-day account. Daily and instant payouts skip that 7-day hold. Instant payouts have no $100 minimum. A settled amount of $1 or more can be requested. |
| 9 | Payhip | The pricing page has no country list. Customers pay with PayPal or a card. PayPal and Stripe still charge their own rates. | The free plan adds a 5% platform fee. Plus is $29 a month plus 2%. Pro is $99 a month with a 0 platform fee. | Payhip deposits the sale when the transaction completes. |
| 10 | Ko-fi | Ko-fi does not process the payment. You connect PayPal or Stripe, and the money goes to that account. | Under tips, the $0 plan shows a 5% service fee and the $12 monthly plan shows a 0% service fee. The free-plan FAQ sets tips at 0% and memberships, shop sales, and commissions at 5%. Processor fees are extra. | The page says Ko-fi does not hold the money. |
Mainland China is off the payout list
These seven can work for an individual somewhere else. The pages opened for this article do not list mainland China as a payout country, or the pricing page is written for businesses. They stay outside the top 10.
| Rank | Platform | Why it sits outside the top 10 |
|---|---|---|
| 11 | Lemon Squeezy | Checkout is 5% plus $0.50. The payout-country page lists Hong Kong, Macao, and Taiwan. Mainland China was not on the list opened on 6 November 2026. |
| 12 | Polar | Organizations created on or after 27 May 2026 start on Starter at 5% plus $0.50. An individual payout depends on Stripe Connect supporting individuals in that region. The country list includes Hong Kong, Macao, and Taiwan, and it does not include mainland China. |
| 13 | Stripe | The global signup list includes Hong Kong and Singapore. Mainland China was not on the page. Individuals in a listed country often skip forming a company. Mainland China is not a listed country. The US domestic rate stays on the global payout article. |
| 14 | 2Checkout | 2SELL lists 3.5% plus €0.30 per successful sale and says you can sell in 200 countries or territories. The page does not give mainland China its own individual payout row. |
| 15 | Sellfy | Plans start at $29 a month, or $22 a month billed yearly, with a 0% transaction fee. Payouts still run through PayPal or Stripe. |
| 16 | Mollie | The pricing page is written for businesses. EEA consumer cards are 1.80% plus €0.25, EEA commercial cards 2.90% plus €0.25, and non-EEA cards 3.25% plus €0.25. There is no mainland-China individual row. |
| 17 | FastSpring | The price is a quote. The page does not print a percentage. China is in the headquarters-country menu. |
How this ranking was built
The first cut is a personal account, plus a page that mentions mainland China. After that, the order follows the printed fee and whether a payout date is printed. Payoneer and Wise have no checkout, so they sit behind the five that can charge a customer. Missing day counts and missing percentages stay blank.
Match the account you already have
| What you already have | Open this first |
|---|---|
| A government ID, and you want card sales paid to Alipay | Creem. The per-payout and yearly caps are on the payout page. |
| A China-issued ID, and you want a printed bank date | Dodo. Sales from the 1st through the 15th pay on the 18th. |
| A China PayPal account | Use PayPal itself, or connect Gumroad or Ko-fi to that PayPal account. |
| A multi-currency balance, then a withdrawal you start | Payoneer or Wise. The page link is https://wise.com/invite/dic/1ndm9w4 . |
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文章来源：OBPAI TierList