Payment methods in Croatia

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.

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.

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.

Leading Croatian payment gateway used by many domestic e-commerce merchants for card processing. Supports 3D Secure authentication and multiple card schemes.

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).

Erste Bank Croatia's popular mobile payment app for free transfers, bill payment and online/QR purchases. Operator: Erste&Steiermärkische Bank (Erste Bank Croatia). Est. users: 300,000+ users (2022).

Pan-European mobile payments app connecting phone numbers for instant consumer-to-merchant and P2P payments, active in the Balkans. Operator: Settle Group (formerly Auka). Est. users: Cross-border across 28 EU markets (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.

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.