Payment methods in Albania

Global digital wallet and checkout provider with broad e-commerce coverage.

Generic online and mobile bank-transfer methods (internet banking, e-banking, EFT and interbank transfers). Customers pay directly from their bank account via their bank's own online/mobile banking portal. Implementation and rails differ by country, but the consumer flow is a standard account-to-account bank transfer.

Albania's leading e-money and bill-payment platform. EasyPay executed the country's first open-banking payment in March 2025 in partnership with Intesa Sanpaolo Bank Albania, enabling account-to-account checkout.

Visa is the world's largest card network, enabling credit, debit and prepaid card payments online, in-store and at ATMs across virtually every market. In the listed countries Visa is a core internationally accepted scheme alongside local methods.

Mastercard is a leading global card network supporting credit, debit and prepaid card payments online, in-store and at ATMs worldwide. In the listed countries it is a core internationally accepted scheme.

Croatia's leading multi-currency mobile wallet expanding across the Balkans, offering online payments and a prepaid Mastercard. Operator: Aircash d.o.o.. Est. users: 1M+ users (2024).

The major international device-based wallets — Apple Pay, Google Pay and Samsung Pay — have been widely adopted in Kuwait alongside local prepaid cards. These wallets tokenise underlying debit and credit card credentials and are accepted at NFC-enabled point-of-sale terminals and participating online merchants. Their adoption reflects Kuwait's high smartphone penetration and consumer preference for contactless payments.

Albanian commercial banks offer internet and mobile banking. In H1 2025, approximately 5 million home banking transactions were recorded, up 22.6% year-on-year, indicating rapid adoption of digital bank-side payments.

The single most-used payment method, with approximately 45-47% of e-commerce orders still settling in cash at delivery. Consumer distrust of online payments remains the primary driver. Most major Serbian logistics providers (Post of Serbia, DExpress, etc.) offer COD collection.