Payment methods in Serbia

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

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.

Serbia's national card payment system, operated under the auspices of the National Bank of Serbia. Domestic card for Serbia-based transactions. Lower merchant fees than international schemes, used at domestic POS and some e-commerce platforms.

Bank-issued mobile payment apps enabling NFC and QR code payments are growing rapidly at 11.98% CAGR, driven by the instant payment rail. Leading Serbian banks (Banca Intesa, Raiffeisen, UniCredit) offer integrated mobile payment solutions.

National Bank of Serbia's instant payment system enabling QR-code payments online, at POS and for bills via bank apps. Operator: National Bank of Serbia (NBS). Est. users: National scheme; widely adopted via bank apps (2024).

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).

Serbia's National Bank instant payment system. Instant transactions grew 215% year-on-year in 2024, powered by real-time rails that settle transactions between Serbian banks 24/7. Increasingly integrated into e-commerce checkout as a low-fee alternative to cards.

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.