Sources: National Bank of Romania, Transfond and provider disclosures, 2024–2025.
How Romania pays
Romania pays online by card, mostly Visa and Mastercard debit cards issued by local banks, with Apple Pay and Google Pay now common on phones. Cash on delivery (ramburs) still matters for parcels, which makes a smooth card checkout the main lever for moving orders to prepaid.
Account-to-account payments are getting faster: RoPay, the national instant payment scheme run by Transfond, lets bank customers pay using a phone number. For an enterprise merchant, the value is optimization: frictionless 3DS under PSD2 strong customer authentication, retries across acquirers to protect approvals, and checkout in lei, all behind one integration.
Why merchants run on us here
Cards first, wallets close behind
Visa and Mastercard from Romanian banks, plus Apple Pay and Google Pay, behind one integration.
Moving buyers off cash on delivery
A fast, trusted card checkout is how merchants shift orders from ramburs to prepaid.
Leu settlement and FX
Collect in RON and settle in your base currency, with FX handled for you.
Frictionless 3DS under PSD2
Strong customer authentication with exemptions where allowed, and Romanian-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 Romania
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Romania 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 Romania 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 Romanian leu (RON) 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 Romania?
Talk to our payments team about going live in Romania — coverage, local acquiring, settlement and timelines for your business.