Jason ZhuJasonZhu.AI
中

Individual or company? Opening a payment account

You can start selling abroad without a company. Below: what each payment platform asks of an individual and of a company, every step of opening an account, and when a company is worth it, each with a link to the platform's own page.

In short

  • No registered company: open as an individual. Creem, Dodo Payments and Waffo Pancake take individuals in mainland China, and Paddle accepts individuals and sole traders anywhere outside its sanctions list.source
  • Dodo's line between the two: an individual is a creator or sole proprietor paid personally, with no company registration or business tax ID; a registered entity has a tax ID and is paid to the company's bank account.source
  • Creem pays a mainland individual to Alipay: up to CNY 50,000 a payout and CNY 300,000–600,000 a year. Past that, a company's bank account.source
  • Stripe opens for neither individuals nor companies in mainland China: a Hong Kong individual account needs a Hong Kong ID number and a US one an SSN or ITIN, so a mainland founder opens with a Hong Kong or US company. Polar pays out only through Stripe, so the same holds.source
  • A company on Waffo Pancake is still paid as a person for now: company payout accounts are 'being finalized', so payouts go to the verified individual.source
  • Switching later from individual to company means a business verification and a new bank check (Dodo), so pick the one you will keep.source
  • How the income is taxed at home is a question for an accountant: this guide covers what the platforms ask for, not tax.

Know who holds the account? Use the payment platform picker →

Who can open which

Platforman individual in mainland Chinaa company in mainland Chinaa Hong Kong companya US company (LLC or corporation)a UK company (Ltd)
Stripeyour own merchant account⛔ no⛔ no✅ yes✅ yes✅ yes
PaddleMerchant of Record✅ yes✅ yes✅ yes✅ yes✅ yes
Lemon SqueezyMerchant of Record❔ not stated❔ not stated✅ yes✅ yes✅ yes
CreemMerchant of Record✅ yes✅ yes✅ yes✅ yes✅ yes
Dodo PaymentsMerchant of Record✅ yes✅ yes✅ yes✅ yes✅ yes
PolarMerchant of Record⛔ no⛔ no✅ yes✅ yes✅ yes
Waffo PancakeMerchant of Record✅ yes✅ yes✅ yes✅ yes⛔ no
GumroadMerchant of Record🟡 likely🟡 likely✅ yes✅ yes✅ yes
PayPalyour own merchant account✅ yes✅ yes❔ not stated❔ not stated❔ not stated

"Likely" means the platform's pages imply it without saying so, "not stated" means they do not say; ask the platform's support first. Read on 2026-10-17.

From the community

How Gefei's community picks a payment platform, after a year of trying

This is experience from a group of builders, not platform rules: read it next to the results from the official pages. Source: @gefei55, "How does an AI SaaS get paid?", 2026-10. Original post

Only a mainland Chinese ID

PayPal.cn (as a personal seller) or Waffo (waffo.ai); with a passport and a Hong Kong bank card, a Stripe personal account too

Checked: PayPal.cn's personal seller account opens with real-name verification (China residents, 18 and over); payments from abroad cost 4.40% + US$0.30; withdraw in CNY to a Chinese bank card (0.5% cap through 2026, 1.0% standard, plus 6% VAT on the fee) or by USD wire (US$35 each). Personal accounts opened on paypal.com after 30 June 2026 cannot take payments for goods. source

Checked: Stripe Hong Kong needs an HKID number for an individual; without one, a Hong Kong Business Registration Number as a sole proprietorship, plus a Hong Kong address and a Hong Kong bank account in your name. A passport and a Hong Kong bank card are not enough. source

A company (abroad or in China) or a sole proprietorship

Stripe (one merchant per website) or PayPal.cn, or Subotiz

Checked: Stripe: websites or businesses run independently need separate Stripe accounts, and a suspended user may not open a new one without Stripe's approval. source

Checked: Subotiz describes itself as a Merchant of Record for SaaS (5% + 50¢); it connects PayPal, Checkout.com, Airwallex and others, with no Stripe in that list; one account holds up to 100 stores. source

Face swap, deepfakes, NSFW

The main channels refuse it; do not risk your main account

How to open each one

Stripe

Your own merchant account; you handle tax · US account: 2.9% + 30¢, international cards +1.5%, currency conversion +1%. Hong Kong: 3.4% + HK$2.35, international +0.5%, conversion +2%. UK: international cards 3.15% + 20p, conversion +2%. Subscriptions through Stripe Billing +0.7%.

  • an individual in mainland China: ⛔ no, no accounts for mainland Chinasource
  • a company in mainland China: ⛔ no, no accounts for mainland China; open with a Hong Kong or US company insteadsource
  • a Hong Kong company: ✅ yes, a local bank account and address are neededsource
  • a US company (LLC or corporation): ✅ yes, a US bank account and mailing address; a non-US owner without SSN gives a local tax IDsource
  • a UK company (Ltd): ✅ yes, a UK account: UK cards 1.5% + 20p, international cards 3.15% + 20p, +2% if currency conversion is neededsource

As an individual

  1. Create an account; you can test in a sandbox straight away.
  2. Verify your business in the Dashboard: the business, the product, and your relationship to it. The business country cannot be changed after activation.
  3. Add a bank account in the account's country; its currency must match the payout settings.
  4. Work through the go-live checklist (two-step login, statement descriptor, bank details).
  5. The first payout usually arrives 7–14 days after the first live payment.

Have ready: a Hong Kong ID number (Hong Kong) or an SSN or ITIN (US): without one, open with a company; a live website that meets the review checklist

As a company

  1. Create an account; you can test in a sandbox straight away.
  2. Verify your business in the Dashboard: the business, the product, and your relationship to it. The business country cannot be changed after activation.
  3. Company details by country: Hong Kong, the Company or Business Registration Number; the US, an EIN, the person with significant control and every owner of 25% or more (a non-US representative gives a home-country tax ID); the UK, the directors and owners.
  4. Add a bank account in the account's country; its currency must match the payout settings.
  5. Work through the go-live checklist (two-step login, statement descriptor, bank details).
  6. The first payout usually arrives 7–14 days after the first live payment.

Have ready: the company registration number, or an EIN in the US; the representative's ID, and an address in that country (no PO box); a bank account in the company's name in that country; a public website that matches the product description

Sign upOfficial onboarding guideWebsite review list

Paddle

Merchant of Record · 5% + 50¢, all included.

  • an individual in mainland China: ✅ yes, individuals and sole traders are accepted (they skip business verification), China is not on the unsupported list, and CNY is paid by bank wiresource
  • a company in mainland China: ✅ yes, accepted: business verification asks for registration documents and every owner of 25% or more; CNY is paid by bank wiresource
  • a Hong Kong company: ✅ yessource
  • a US company (LLC or corporation): ✅ yessource
  • a UK company (Ltd): ✅ yes, the UK is not on Paddle's unsupported list; GBP to a UK bank is usually freesource

As an individual

  1. Sign up, and test in a separate sandbox account (the sandbox needs no domain approval).
  2. Submit each checkout domain under My Account → Settings → Website approval. The site must be live on HTTPS and show the product, prices, features, terms, refund and privacy policies; the terms must name you (your legal name as a sole trader) or the company. Most domains pass automatically; a manual review takes 5–7 business days.
  3. Identity verification through Sumsub: a government ID and proof of address if asked, sometimes a short selfie video. It is usually instant.
  4. Add payout details: bank transfer or Payoneer. CNY is paid by bank wire; a cross-currency SWIFT payout costs US$15.
  5. Payouts are monthly: the balance above your threshold (minimum US$100) becomes a payout on the 1st and is sent by the 15th.

Have ready: a government ID, and proof of address if asked; terms of service that name you; a live HTTPS website with prices, terms, refund and privacy policies

As a company

  1. Sign up, and test in a separate sandbox account (the sandbox needs no domain approval).
  2. Submit each checkout domain under My Account → Settings → Website approval. The site must be live on HTTPS and show the product, prices, features, terms, refund and privacy policies; the terms must name you (your legal name as a sole trader) or the company. Most domains pass automatically; a manual review takes 5–7 business days.
  3. Business verification from your sign-up details: registration documents if asked, and every owner of 25% or more (2–4 business days if manual). Individuals and sole traders skip this step.
  4. Identity verification through Sumsub: a government ID and proof of address if asked, sometimes a short selfie video. It is usually instant.
  5. Add payout details: bank transfer or Payoneer. CNY is paid by bank wire; a cross-currency SWIFT payout costs US$15.
  6. Payouts are monthly: the balance above your threshold (minimum US$100) becomes a payout on the 1st and is sent by the 15th.

Have ready: registration documents, and the owners of 25% or more; an ID check of at least one owner; a live HTTPS website with prices, terms, refund and privacy policies

Sign upOfficial onboarding guideWebsite review list

Lemon Squeezy

Merchant of Record · 5% + 50¢; non-US buyers +1.5%, PayPal +1.5%, subscriptions +0.5%.

  • an individual in mainland China: ❔ not stated, payouts reach mainland China only through PayPal; signing up from mainland China is not statedsource
  • a company in mainland China: ❔ not stated, as for individualssource
  • a Hong Kong company: ✅ yessource
  • a US company (LLC or corporation): ✅ yessource
  • a UK company (Ltd): ✅ yes, the UK is on the bank-payout list; bank payouts outside the US cost 1%source

As an individual

  1. A new store starts in test mode.
  2. Click Activate your store: a short questionnaire about the business and its customers, then identity verification (personal details and a photo of a government ID).
  3. KYC and KYB review, usually 2–3 business days.
  4. Copy the test products to live mode.
  5. Set up payouts: a bank account in a supported country, or a verified PayPal account. Mainland China is paid only through PayPal (3% a payout, capped at US$30, outside the US).
  6. Submit Form W-8 (outside the US) or W-9 (US); payouts can stay off until you do.
  7. Payouts on the 1st and 15th; sales are held 13 days; minimum US$50.

Have ready: a photo of a government ID; a verified PayPal account (from mainland China); Form W-8; a live website that meets the review checklist

As a company

  1. A new store starts in test mode.
  2. Click Activate your store: a short questionnaire about the business and its customers, then identity verification (personal details and a photo of a government ID).
  3. KYC and KYB review, usually 2–3 business days.
  4. Copy the test products to live mode.
  5. Set up payouts: a bank account in a supported country, or a verified PayPal account. Mainland China is paid only through PayPal (3% a payout, capped at US$30, outside the US).
  6. Submit Form W-8 (outside the US) or W-9 (US); payouts can stay off until you do.
  7. Payouts on the 1st and 15th; sales are held 13 days; minimum US$50.

Have ready: the company's details for KYB (documents not listed); a bank account in a supported country, or PayPal; Form W-8 or W-9; a live website that meets the review checklist

Sign upOfficial onboarding guide

Creem

Merchant of Record · 3.9% + 40¢, no international surcharge.

  • an individual in mainland China: ✅ yes, payouts to Alipay, up to CNY 50,000 a payout and CNY 300,000–600,000 a yearsource
  • a company in mainland China: ✅ yes, payouts to a local bank accountsource
  • a Hong Kong company: ✅ yessource
  • a US company (LLC or corporation): ✅ yessource
  • a UK company (Ltd): ✅ yes, the UK is supported; a business is paid into a business account in its own namesource

As an individual

  1. Fill in the business details: your full name as an individual, or the company's name.
  2. Verify your identity (KYC).
  3. Add a payout account: Alipay for a mainland individual.
  4. Creem's team reviews the store and the website, in 1–2 working days. A rejection is final for that store and that business, so check the site first.
  5. Live payments are turned on.

Have ready: an identity document for KYC; an Alipay account in your name; a live website that meets the review checklist

As a company

  1. Fill in the business details: your full name as an individual, or the company's name.
  2. Verify your identity (KYC) and the company (KYB).
  3. Add a payout account: the company's bank account.
  4. Creem's team reviews the store and the website, in 1–2 working days. A rejection is final for that store and that business, so check the site first.
  5. Live payments are turned on.

Have ready: the company's registration documents for KYB; the company's bank account; a live website that meets the review checklist

Sign upOfficial onboarding guideWebsite review list

Dodo Payments

Merchant of Record · 4% + 40¢; international +1.5%, subscriptions +0.5%.

  • an individual in mainland China: ✅ yes, China is on the accepted list (from 23 March 2026); ID and selfie through Personasource
  • a company in mainland China: ✅ yes, every director and every owner of 10% or more needs an ID from a listed countrysource
  • a Hong Kong company: ✅ yessource
  • a US company (LLC or corporation): ✅ yessource
  • a UK company (Ltd): ✅ yes, the UK is on the accepted list; UK entities also file Form W-8BEN-E, and every director and 10% owner needs an ID from a listed countrysource

As an individual

  1. Choose the account type: Individual.
  2. Submit the product information.
  3. Verify your identity with a government-issued photo ID and a selfie, through Persona: a few minutes, three attempts.
  4. Add a bank account in the same name as the verified ID; third-party accounts are refused.
  5. The review takes 1–3 business days, with one appeal; payouts start after a separate monitoring review.

Have ready: a valid, physical photo ID issued by a country on Dodo's accepted list; a phone or webcam for the selfie; a bank account in your own name; a live website that meets the review checklist

As a company

  1. Choose the account type: Registered Entity.
  2. Submit the product information.
  3. Verify your identity with a government-issued photo ID and a selfie, through Persona: a few minutes, three attempts.
  4. Business verification (KYB): the company registration number with its certificate of incorporation, and IDs for every director and every owner of 10% or more.
  5. Add the company's bank account, in its legal name.
  6. The review takes 1–3 business days, with one appeal; payouts start after a separate monitoring review.

Have ready: the company registration number and certificate of incorporation (a tax ID is optional); IDs for every director and every owner of 10% or more; a bank account in the company's legal name; a live website that meets the review checklist

Sign upOfficial onboarding guide

Polar

Merchant of Record · new organizations 5% + 50¢ (from 27 May 2026), or monthly plans at 3.4–3.8%; international +1.5%.

  • an individual in mainland China: ⛔ no, payouts go only through Stripe Connect Express, which does not reach mainland Chinasource
  • a company in mainland China: ⛔ no, as for individualssource
  • a Hong Kong company: ✅ yessource
  • a US company (LLC or corporation): ✅ yessource
  • a UK company (Ltd): ✅ yes, the UK is on the payout list; a UK bank account in GBP through Stripe Connect Expresssource

As an individual

  1. Build the integration first: Polar's advice is to build before you submit.
  2. Finance → Account: submit for review (your business, products and how you will use Polar).
  3. The organization owner verifies identity through Stripe Identity: a passport, ID card or driver's licence, and a selfie.
  4. Connect a payout account through Stripe Connect Express: a bank account in the country you live in and its currency. Wise, Payoneer and Revolut usually fail Stripe's checks.
  5. The first review can take up to 14 days; reviewers may ask for a 100% discount code to try the product.
  6. Withdraw by hand; new organizations have a 7-day settlement delay, and a payout takes 4–7 business days.

Have ready: a passport, ID card or driver's licence, and a selfie; a personal bank account in a country Polar pays out to; a live website that meets the review checklist

As a company

  1. Build the integration first: Polar's advice is to build before you submit.
  2. Finance → Account: submit for review (your business, products and how you will use Polar).
  3. The organization owner verifies identity through Stripe Identity: a passport, ID card or driver's licence, and a selfie.
  4. Connect a payout account through Stripe Connect Express: a business bank account in the company's country and currency.
  5. The first review can take up to 14 days; reviewers may ask for a 100% discount code to try the product.
  6. Withdraw by hand; new organizations have a 7-day settlement delay, and a payout takes 4–7 business days.

Have ready: the owner's ID and a selfie; a business bank account in the company's country and currency; a live website that meets the review checklist

Sign upOfficial onboarding guide

Waffo Pancake

Merchant of Record · 3.9% + 50¢, no international or subscription surcharge.

  • an individual in mainland China: ✅ yes, payouts to a bank card or Alipay in mainland Chinasource
  • a company in mainland China: ✅ yes, registered businesses can apply, but company payout accounts are not live yet: payouts go to the verified individual's accountsource
  • a Hong Kong company: ✅ yes, registered businesses can apply, but company payout accounts are not live yet: payouts go to the verified individual's accountsource
  • a US company (LLC or corporation): ✅ yes, registered businesses can apply, but company payout accounts are not live yet: payouts go to the verified individual's accountsource
  • a UK company (Ltd): ⛔ no, no payouts to the UK: Waffo Pancake pays out only in mainland China, Hong Kong, the US, Japan, South Korea and Singaporesource

As an individual

  1. Sign up on the Pancake dashboard with Google, GitHub or a magic link; the first login creates a store. No company registration is needed.
  2. Build and take test payments in test mode; that needs no review.
  3. In Settings → Business Details, verify the support email (a 6-digit code) and the website's domain (a DNS TXT record, an HTML meta tag, a .well-known file or a matching email domain).
  4. Fill in the business details as Individual / Solo developer and submit: the review usually takes 1–3 business days, and the store switches to live payments by itself once approved.
  5. Verify your identity on your profile: your legal name exactly as on the ID, and a mainland China national ID (a passport for other nationalities).
  6. Add a payout account: a bank card or Alipay in mainland China (Alipay up to RMB 50,000 a payout and RMB 300,000 a year per recipient). Payouts are in US dollars, 1% (minimum US$10).
  7. Each sale waits about 10 business days before it can be paid out; bank-card payouts requested before 15:00 Beijing time on a business day arrive the same day.

Have ready: a mainland China national ID, and your name exactly as on it; a bank card or Alipay in your own name; a live website that meets the review checklist

As a company

  1. Sign up on the Pancake dashboard with Google, GitHub or a magic link; the first login creates a store. No company registration is needed.
  2. Build and take test payments in test mode; that needs no review.
  3. In Settings → Business Details, verify the support email (a 6-digit code) and the website's domain (a DNS TXT record, an HTML meta tag, a .well-known file or a matching email domain).
  4. Fill in the business details as Registered business and submit: the review usually takes 1–3 business days, and the store switches to live payments by itself once approved.
  5. Verify your identity on your profile: your legal name exactly as on the ID, and a mainland China national ID (a passport for other nationalities).
  6. Company payout accounts are not live yet: payouts still go to the verified person's account, in mainland China, Hong Kong, the US, Japan, South Korea or Singapore.
  7. Each sale waits about 10 business days before it can be paid out; bank-card payouts requested before 15:00 Beijing time on a business day arrive the same day.

Have ready: the company's legal name; a person whose verified identity receives the payouts for now; a live website that meets the review checklist

Sign upOfficial onboarding guideWebsite review list

Gumroad

Merchant of Record · 10% + 50¢ plus card processing 2.9% + 30¢; sales that come from Gumroad Discover pay 30%.

  • an individual in mainland China: 🟡 likely, payouts to mainland China only through PayPalsource
  • a company in mainland China: 🟡 likely, payouts to mainland China only through PayPalsource
  • a Hong Kong company: ✅ yessource
  • a US company (LLC or corporation): ✅ yessource
  • a UK company (Ltd): ✅ yes, UK bank payouts in GBP; a business must use a bank account in its country of registrationsource

As an individual

  1. Fill in Payment Settings as Individual: you sell under your own name and have no registration documents.
  2. Choose a payout method: a local bank account in a listed country, or PayPal where banks are not supported. Mainland China is paid only through PayPal, in US dollars, with a 2% fee; PayPal payouts need no ID upload.
  3. After some time and sales, Stripe asks for more identity details (date of birth, ID number, a photo ID, proof of address).
  4. An account review comes before the first payout, usually after 3–4 real sales and over US$100; it takes 1–3 weeks. Buying your own product does not speed it up and can get you banned.
  5. Payouts weekly, monthly or quarterly; minimum US$100; a 7-day hold.

Have ready: your full legal name and a physical address; a PayPal account (from mainland China) or a local bank account

As a company

  1. Fill in Payment Settings as Business: the representative submits registration documents and personal ID.
  2. Choose a payout method: a local bank account in a listed country, or PayPal where banks are not supported. Mainland China is paid only through PayPal, in US dollars, with a 2% fee; PayPal payouts need no ID upload.
  3. After some time and sales, Stripe asks for more identity details (date of birth, ID number, a photo ID, proof of address).
  4. An account review comes before the first payout, usually after 3–4 real sales and over US$100; it takes 1–3 weeks. Buying your own product does not speed it up and can get you banned.
  5. Payouts weekly, monthly or quarterly; minimum US$100; a 7-day hold.

Have ready: registration documents and the company tax ID; a business bank account in the country of registration

Sign upOfficial onboarding guide

PayPal

Your own merchant account; you handle tax · China accounts: 4.40% + US$0.30 for payments from abroad. CNY withdrawals to a Chinese bank cost 0.5% to the end of 2026 (1.0% standard) plus 6% VAT on the fee; a USD wire costs US$35.

  • an individual in mainland China: ✅ yes, PayPal.cn's personal seller account, opened with real-name verification (China residents aged 18 or over); personal accounts registered on paypal.com after 30 June 2026 cannot take payments for goodssource
  • a company in mainland China: ✅ yes, PayPal.cn's business seller account, opened with entity verification: the business licence and the legal representative's IDsource
  • a Hong Kong company: ❔ not stated, PayPal's Hong Kong pages were not read for this toolsource
  • a US company (LLC or corporation): ❔ not stated, PayPal's US pages were not read for this toolsource
  • a UK company (Ltd): ❔ not stated, PayPal's UK pages were not read for this toolsource

As an individual

  1. Register on PayPal.cn and accept the PayPal China cross-border agreement (with 贝宝支付（北京）有限公司).
  2. Choose the personal seller account and pass personal real-name verification (China residents aged 18 or over).
  3. Add PayPal checkout to your site; payments from abroad cost 4.40% + US$0.30.
  4. Bind a personal bank card for CNY collection: from US$20 a request, usually the same day before 13:00 Beijing time, 0.5% to the end of 2026 (1.0% standard) plus 6% VAT on the fee.
  5. Keep disputes low: a dispute rate of 1.5% or more, with over 100 sales in three months, brings the high dispute fee, and a new seller's payments can be held up to 30 days.

Have ready: personal real-name verification as a China resident (the document list is in PayPal.cn's individual seller guide); a personal bank card in mainland China; a website with PayPal checkout

As a company

  1. Register on PayPal.cn and accept the PayPal China cross-border agreement (with 贝宝支付（北京）有限公司).
  2. Choose the business seller account and pass entity verification: the business licence and the legal representative's ID.
  3. Add PayPal checkout to your site; payments from abroad cost 4.40% + US$0.30.
  4. Bind the company's Chinese bank account for CNY collection, or withdraw USD by wire (US$35 each, minimum US$150, 3–7 business days).
  5. Keep disputes low: a dispute rate of 1.5% or more, with over 100 sales in three months, brings the high dispute fee, and a new seller's payments can be held up to 30 days.

Have ready: the business licence; the legal representative's ID; the company's bank account in mainland China

These steps hold only for: an individual in mainland China, a company in mainland China

Sign upOfficial onboarding guide

Steps read on 2026-10-17; platforms change them, so open the official guide before you sign up.

If you register a company

Official fees and requirements, read on 2026-10-17; not legal or tax advice.

A Hong Kong private company

  • Incorporating online costs HK$1,545; the business registration fee and levy are paid with it (HK$2,350 for one year from 1 April 2026), so about HK$3,895 in all.source
  • Non-residents may incorporate; the registered office must be in Hong Kong.source
  • At least one director who is a natural person (need not live in Hong Kong) and a company secretary who lives in Hong Kong or is a Hong Kong company; a sole director cannot also be the secretary.source
  • No minimum paid-up capital; electronic certificates are normally issued within an hour.source

A US company through Stripe Atlas

  • US$500 once, including Delaware fees and the first year of the registered agent; the agent is US$100 a year after that.source
  • A Delaware C corporation or LLC; Atlas gets the EIN, which takes 10–35 business days for a founder without an SSN.source
  • US card payments and payouts (up to US$100,000) can start before the EIN arrives; a franchise tax report is due every year by 1 March.source
  • Atlas does not guarantee approval for Stripe payments.source

A UK private limited company

  • Registering online with Companies House costs £100 and usually takes 24 hours (by post: £124, 8–10 days).source
  • At least one director aged 16 or over, who need not live in the UK; a UK registered office address is required, and a PO box is not accepted.source
  • Directors verify their identity through GOV.UK One Login; the people with significant control (over 25% of shares or votes, for example) are named at registration. No company secretary is needed.source

Hands-on guides to registering a company

FAQ

Can I get paid from abroad without a company?

Yes. Creem, Dodo Payments and Waffo Pancake take individuals in mainland China; Stripe and Polar do not and need a company in Hong Kong, the US or elsewhere.

Can an individual in mainland China open Stripe?

Not by Stripe's own pages: it opens no accounts for individuals or companies in mainland China, so a Hong Kong or US company is needed.

What does an individual need to open an account?

An identity document (Dodo wants a physical government photo ID and a selfie), a payout account in your own name (Creem pays mainland individuals to Alipay, Dodo to a bank account in your name), and a live website with prices and terms.

When is a company worth it?

When income passes an individual's payout limits (Creem's Alipay payouts to mainland individuals stop at CNY 300,000–600,000 a year), when you want Stripe, or when partners share the income. Ask an accountant about tax at home.

This covers what the platforms ask for; it is not legal or tax advice. The data comes from the open-source payment-guard, the same as the picker's.