Sources: Andorran Financial Authority and provider disclosures, 2024–2025.
How Andorra pays
Andorra pays by card. Its banks issue Visa and Mastercard cards, the country uses the euro under a monetary agreement with the EU, and it is part of the SEPA area for euro transfers, though it sits outside the EU and the EEA. The Andorran Financial Authority supervises banks and payment services.
With a resident population under 100,000 and millions of visitors a year, most card spend comes from Spanish and French buyers, on skiing, retail and tourism. Their cards expect strong customer authentication, and many French cards run on Cartes Bancaires. For a merchant, the value is optimization: cards and wallets behind one integration, 3DS on card-not-present payments, and routing and retries across acquirers, all in euros.
Why merchants run on us here
Built for cross-border buyers
Most spend comes on Spanish and French cards, so routing by card origin protects approvals.
3DS that fits EU cards
Visiting cards expect strong customer authentication, applied cleanly on every card-not-present payment.
Cards and wallets
Local and international Visa and Mastercard plus the express wallets, behind one integration.
Euro settlement
Price and settle in euros, with no FX between you and your buyers.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLPayPal
Airwallex
Stripe
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox GatewayAirwallex (Enterprise)
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalBuilt for enterprise
Everything it takes to run payments in Andorra
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Andorra like any other market in your stack.
One integration, every local method
Connect once and reach every card scheme, wallet, bank rail and installment provider in Andorra through a single API — no separate contract or integration per provider.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the euro (EUR) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
Process through our locally licensed partner entities. You launch without standing up a local entity or chasing a payments license of your own.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in Andorra?
Talk to our payments team about going live in Andorra — coverage, local acquiring, settlement and timelines for your business.