Sources: Bank of Greece, DIAS and provider disclosures, 2024–2025.
How Greece pays
Greece moved from cash to cards quickly over the last decade, helped by tax rules that require households to spend part of their income electronically. Online, Greeks pay mostly by Visa and Mastercard debit cards, with Apple Pay and Google Pay widely used, and cash on delivery still present in parcel e-commerce.
The local rail is IRIS, the instant payment system run by DIAS for Greek banks, which now extends to online purchases. For an enterprise merchant, the value is optimization: frictionless 3DS under PSD2 strong customer authentication, retries across acquirers to protect approvals, and Greek-language checkout, all behind one integration, in euros.
Why merchants run on us here
Cards and express wallets
Visa and Mastercard plus Apple Pay and Google Pay, the way most Greeks now pay online.
IRIS on the radar
IRIS, the bank-run instant payment system, is how Greeks pay account to account.
Retries across acquirers
Route each payment to the acquirer most likely to approve it, and retry soft declines elsewhere.
Frictionless 3DS under PSD2
Strong customer authentication with exemptions where allowed, in euros, with Greek-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 Greece
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Greece 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 Greece 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 Greece?
Talk to our payments team about going live in Greece — coverage, local acquiring, settlement and timelines for your business.