Payment methods in Romania
E-commerce market valued at ~EUR 9.8B overall; ~$6.34B B2C revenue in 2024
Market takeaways
- E-commerce market valued at ~EUR 9.8B overall; ~$6.34B B2C revenue in 2024
- Cards account for ~70% of online transactions; Visa and Mastercard dominant, debit preferred over credit
- ~50% of e-shoppers still used cash on delivery in 2023, but this is declining under new regulations
- Law 406/2023 (effective July 2024) mandates all merchants offer at least one electronic payment option
- Card + digital wallet growth at 15-20% annually; BNPL expanding rapidly
Population
19.0M
Online population
~15.5M (~82%)
B2C e-commerce
~$6.3B (2024 est.)
Banked population
~70%
Credit card population
~40%
E-commerce of total retail
~18%
Payment method breakdown
- Card50%
- Cash on Delivery30%
- E-Wallet12%
- Bank Transfer6%
- BNPL2%
Card scheme breakdown
- Visa55%
- Mastercard42%
- American Express1%
- Local Schemes1%
- Other1%
Cross-border e-commerce
Market data coming soon.
Featured payment methods in Romania
Popular options based on coverage and prominence in this market.
PayPal
Global digital wallet and checkout provider with broad e-commerce coverage.
eMAG Wallet
Marketplace-integrated wallet from eMAG, Romania's dominant e-commerce platform. Enables stored-value payments, instant refunds, and loyalty points integration for Romania's largest online shopping platform.
Mastercard
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
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.
PayU Romania
The leading Romanian payment gateway for e-commerce merchants. Processes card payments, digital wallets, and cash voucher payments. Key infrastructure for Romanian online retail.
Samsung Pay
Samsung's smartphone wallet supporting tap-to-pay and online payments, widely used in Korea. Operator: Samsung Electronics Co., Ltd.. Est. users: Tens of millions of users (2024).
All payment methods in Romania
Discover 12 payment methods from around the world
Featured banks in Romania
Major institutions operating in this market.
UniCredit
Milan, Italy
UniCredit is a pan-European commercial bank headquartered in Milan with a strong presence in Italy, Germany, Austria, and Central & Eastern Europe, serving 15 million clients.
Erste Group
Vienna, Austria
Erste Group is Austria's largest bank, headquartered in Vienna. It serves 17 million clients across Austria, Czech Republic, Slovakia, Hungary, Romania, Serbia, Croatia, and Slovenia.
Société Générale
Paris, France
Société Générale is a leading European bank offering retail banking in France and Eastern Europe, plus global markets and investment banking services.
OTP Bank
Budapest, Hungary
OTP Bank is Hungary's largest bank and the dominant financial institution in the country, with significant regional presence across Central and Eastern Europe and the Balkans.
Raiffeisen Bank International (RBI)
Vienna, Austria
Raiffeisen Bank International (RBI) is Austria's second-largest bank and a leading retail and corporate bank in Central and Eastern Europe, operating in 13 markets.
National Bank of Greece (NBG)
Athens, Greece
National Bank of Greece (NBG) is Greece's oldest bank and one of the country's four systemic banks, providing retail, corporate, and investment banking.
All banks in Romania
Showing 15 of 15 banks
