Landing Overseas Payouts in Mainland China 2026
Compiled 2026-11-06. Ranked by the published fee and arrival time into mainland China. Payoneer is No. 1, PayPal is No. 2, WorldFirst is No. 3.
Compiled on 2026-11-06. The Payoneer withdrawal page, the PayPal China help page, the WorldFirst arrival page, the Airwallex China transfer page, and the Wise CNY guide were opened that day. Creem, Waffo, Dodo, Paddle, and Gumroad fees come from vendor pages opened on 2026-11-05. This ranking compares the fee to land a balance in a mainland bank or Alipay, and the arrival time the page prints. Payoneer is No. 1, PayPal is No. 2, and WorldFirst is No. 3. Individual payouts are at https://obpai.com/blog/payouts-no-company-2026. The global seller ranking is at https://obpai.com/blog/indie-dev-payouts-2026.
Editor order for landing in mainland China
The first two print both a mainland fee and an arrival window. Nos 3 and 4 are business accounts: the time is printed, and a fixed fee is not. From No. 5 on, either the Alipay arrival day is blank or the money still has to pass through PayPal.
| Rank | Path | Where it lands | Published fee | Arrival time |
|---|---|---|---|---|
| 1 | Payoneer | China is on the same-country local-currency withdrawal row. A personal or business bank can be used if the name matches the account. | A local-currency withdrawal to a bank in China is $1.50. Receiving a non-local currency costs 1%, minimum $1. | The withdrawal page says funds typically arrive in 1 to 3 business days, and same-day arrival is possible on some transfers. |
| 2 | PayPal | A USD wire to a Chinese bank. The minimum withdrawal is $150. | The China merchant fee page charges $35 per wire to a mainland bank. That page was last updated on 18 June 2025. | The China help page says 3 to 7 business days. |
| 3 | WorldFirst | A business account. RMB withdrawal is one rail. USD or offshore RMB paid to mainland China is another. | The arrival page opened for this article does not print a fee. | An RMB withdrawal or transfer generally arrives the same day, as fast as 1 minute. USD to mainland China is T+1, or T+2 after 07:00 local time. Offshore RMB to mainland China is T+1, or T+2 after 08:00. |
| 4 | Airwallex | A US business account paying suppliers or employees in China. | The page says a markup on the conversion and a transfer fee are possible. No fixed percentage is printed. The live quote on the page stays out of the table. | The page says as little as one business day. |
| 5 | Creem | A China individual is paid by Alipay. A business is paid to a local bank. | A bank payout costs $7 or 1%, whichever is higher. That sentence is about the bank transfer. Alipay is capped at 50,000 CNY per payout and 300,000 to 600,000 CNY a year. | Payouts go out on the 1st and the 15th. Risk review can hold funds for 7 to 12 days. The page does not say how many days Alipay then takes. |
| 6 | Waffo | Alipay or a China bank account for an individual. | 1.00% plus $3.50. Alipay is 0.01 to 50,000 CNY. A bank transfer is 1 to 20,000 CNY, with a yearly bank cap of $50,000 per person. | No fixed payout date is printed. |
| 7 | Wise | An individual can send CNY to Alipay, Weixin, or UnionPay. A local bank transfer is for a business paying a business. | Fees differ by the four delivery methods. The help page says the exact fee appears when you set up the transfer. | The estimate appears when you book the route. If the recipient misses Alipay's 72 hours or WeChat's 48 hours, the transfer is delayed or cancelled. The page link is https://wise.com/invite/dic/1ndm9w4 . |
| 8 | Dodo | The payout goes to the verified individual or business. The page does not name a mainland China bank. | A payout under $1,000 costs $5. USD SWIFT for a non-US business is $25 on the pricing page. | Sales from the 1st through the 15th pay on the 18th. Sales from the 16th through month-end pay on the 4th. Bank arrival days are not printed. |
| 9 | Paddle | Wire or Payoneer. China is absent from the unsupported-country list. | Most countries have no extra payout fee. Some countries pay $15 for SWIFT. That sentence does not name China. | After the 1st, Paddle sends the payout by the 15th. It can then take up to 3 working days. |
| 10 | Gumroad | Mainland China is not on the bank list, so Gumroad pays PayPal. | The sale fee is 10% plus $0.50. A later PayPal wire to a Chinese bank is $35 on PayPal's page. | The second hop follows PayPal's China help page: 3 to 7 business days. |
Mainland China is not the landing country on the page
| Rank | Path | Why it sits outside the top 10 |
|---|---|---|
| 11 | Ko-fi | Money goes to the PayPal or Stripe account you connect. A Chinese bank still needs PayPal's wire after that. |
| 12 | Payhip | The sale is deposited to PayPal or Stripe. A mainland bank is not on Payhip's pricing page. |
| 13 | Lemon Squeezy | The payout-country page lists Hong Kong, Macao, and Taiwan. Mainland China was not on the list opened on 6 November 2026. |
| 14 | Polar | The country list includes Hong Kong, Macao, and Taiwan, and it does not include mainland China. |
| 15 | Stripe | The global signup list includes Hong Kong and Singapore, and it does not include mainland China. Landing fees and days are not on that page. |
| 16 | 2Checkout | 2SELL lists 3.5% plus €0.30. The page does not give mainland China its own arrival row. |
| 17 | FastSpring | The price is a quote, with no public percentage. China is in the headquarters menu. Arrival days are not printed. |
How this ranking was built
A path leads when the page prints both the fee into mainland China and the arrival window. A path with a printed window and a fee that appears only at checkout sits in the middle. A path whose country list leaves out mainland China stays outside the top 10. Different currencies are not converted into one sample amount.
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Landing Overseas Payouts in Mainland China 2026
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