Accept card payments in North Macedonia

~1.8M

population; a small, card-growing market

Casys

the domestic card processor behind cPay

MKD

the denar, outside the euro, so local-currency handling matters

NBRM

the central bank and payment regulator

Sources: National Bank of the Republic of North Macedonia and provider disclosures, 2024–2025.

How North Macedonia pays

North Macedonia pays online mostly by Visa and Mastercard debit cards from local banks, with cash on delivery still popular for parcels. Much domestic e-commerce card traffic runs through Casys, the local processor whose cPay gateway many Macedonian webshops use.

The denar is managed against the euro, and a sizeable diaspora pays with cards issued abroad. For a merchant, the value is a clear starting point: international cards and express wallets behind one integration, 3DS on card-not-present payments, and retries across acquirers, with denar pricing and FX handled for you.

Why merchants run on us here

Cards and wallets live today

International card acquiring and the express wallets, available now.

Local processing on the radar

Casys and its cPay gateway carry much of domestic online card traffic.

Moving buyers off cash

A trusted card checkout is how merchants shift orders from cash on delivery to prepaid.

Denar pricing and FX

Price in MKD and settle in your base currency, with FX handled for you.

Payment methods

Cards

Visa

Mastercard

American Express

Discover

Diners Club

JCB

UnionPay

Buy Now, Pay Later

Sandbox BNPL

Digital wallets

PayPal

Express checkout

Apple Pay

Google Pay

Link

Gateways

Sandbox BNPL

PayPal

Airwallex

Stripe

Adyen

Unlimit

Worldpay

Checkout.com

Authorize.net

MPGS

Cybersource

Sandbox Gateway

Airwallex (Enterprise)

Braintree

CommerceHub

Fiserve

NMI

Nuvei

Orbital

Built for enterprise

Everything it takes to run payments in North Macedonia

Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat North Macedonia like any other market in your stack.

One integration, growing local coverage

Connect once for what's live in North Macedonia today — including international card acquiring — and add local wallets and bank rails through the same integration as we bring them online.

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 Macedonian denar (MKD) 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

We're establishing locally licensed partners so you can process in-country as we expand local coverage — without standing up your own entity or chasing a license.

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 North Macedonia?

Talk to our payments team about going live in North Macedonia — coverage, local acquiring, settlement and timelines for your business.

Talk to our payments team Read the docs