Sources: Croatian National Bank and provider disclosures, 2024–2025.
How Croatia pays
Croatia joined the euro in January 2023, and online it pays mostly by Visa and Mastercard, with Apple Pay and Google Pay common on phones. A local habit stands out: paying by card in installments (na rate), offered by Croatian issuers and long associated with Diners Club, is something shoppers expect on larger baskets.
Homegrown wallets sit alongside the global ones, notably KEKS Pay and Aircash, and cash on delivery remains common for parcels. For an enterprise merchant, the value is optimization: frictionless 3DS under PSD2 strong customer authentication, retries across acquirers to protect approvals, and Croatian-language checkout, all behind one integration, in euros.
Why merchants run on us here
Cards and express wallets
Visa, Mastercard and Diners plus Apple Pay and Google Pay, behind one integration.
Installments are expected
Paying by card in installments is a Croatian habit on larger baskets.
Local wallets on the radar
KEKS Pay and Aircash are how many Croatians pay peer to peer and online.
Frictionless 3DS under PSD2
Strong customer authentication with exemptions where allowed, in euros, with Croatian-language checkout.
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 Croatia
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Croatia 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 Croatia 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 Croatia?
Talk to our payments team about going live in Croatia — coverage, local acquiring, settlement and timelines for your business.