North Macedonia

MK · MKD · 807EuropeMKD ден16 methods

5 sources

Digital payment transactions grew over 21% in 2024; 235 million cashless transactions conducted

~1.7M

online population

~75%

banked adults

~35%

credit card population

Mix Methods Behaviour Banks Sources Facts

Payment mix

share of e-commerce spend

CategoryShare

Card46%
Cash on Delivery35%
Bank Transfer12%
E-Wallet6%
Other1%

Methods in use

top 8 of 16

MethodType

All 16 methods in North Macedonia →

Checkout behaviour

Card payments lead with 46% share in 2024; digital wallets growing at 44.7% CAGR to 2030

HalkPay and NLB Pay are leading domestic digital wallets with QR and NFC capabilities

Facts

ISO 3166: MK · MKD · 807
Region: Europe
Population: 2.1M
Currency: MKD ден
Internet use: ~80%
Banked adults: ~75%
Methods live: 16
Banks covered: 2

Largest banks

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Sources

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