Stripe doesn't issue merchant accounts in my country. I shipped a paid SaaS anyway.

I'm in South Korea. Stripe isn't a merchant country here, which means the
default indie-hacker payment stack simply isn't available to me. For a while
I assumed that meant incorporating in the US, or not charging at all.

Neither is necessary. Here's what I actually did, in case you're in one of
the many countries Stripe doesn't serve as a merchant.

Use a merchant of record, not a payment processor.

Polar (Paddle and Lemon Squeezy work the same way) becomes the legal seller
of record. They charge the customer, collect and remit VAT and US sales tax
in every jurisdiction, and pay me out. I never register for tax in Germany in
order to sell to a German customer.

The trade is the fee, which is materially higher than raw card processing. I
think that's a fair price for not having a tax problem in forty countries.

Put billing behind an interface before you pick a provider.

I wrote Stripe and Polar against a single interface before either one worked
end to end. The day Korea becomes a Stripe merchant country, or the day
Polar's fees stop making sense, that's a config change rather than a rewrite.
It also meant the tests could exercise both paths without either account
existing yet.

What I built

Nudge chases your unpaid invoices so you don't have to. It syncs from Stripe
or Xero and writes each reminder from that invoice's real context: the
amount, how late it is, what you've already sent, and what kind of client
they are. The voice hardens as the invoice ages, friendly at day 3, firm at
two weeks, a final notice at 45.

The property I cared about most is the boring one: the moment an invoice is
settled, every queued reminder for it is cancelled. Nobody is ever chased for
money they've already sent. That's the failure that would make this worse
than doing nothing.

You can try it without making an account. No email, no card, and it opens on
a workspace with eight invoices already in flight, one of them 52 days late:

https://nudge.waitlistbell.com/demo

Genuinely curious whether anyone else here has shipped from a non-Stripe
country, and what you landed on.