Sources: Central Bank of the Republic of San Marino and provider disclosures, 2024–2025.
How San Marino pays
San Marino is a microstate surrounded by Italy, and it pays much like its neighbor. It is not an EU member, but it uses the euro under a monetary agreement with the EU, and it sits inside the SEPA area, so euro transfers and direct debits work as they do across Europe. Local banks issue Visa and Mastercard cards, and contactless cards and phones with Apple Pay and Google Pay are the everyday way to pay.
Tourism brings millions of visitors a year, mostly paying with cards issued in Italy and the rest of Europe, where issuers apply strong customer authentication to online payments. For an enterprise merchant, the value is a strong card checkout: cards and the express wallets behind one integration, frictionless 3DS with exemptions where allowed, and retries across acquirers, in euros.
Why merchants run on us here
Cards and wallets live today
International card acquiring and Apple Pay and Google Pay, behind one integration.
Frictionless 3DS
European issuers expect strong customer authentication, applied with exemptions where allowed.
Inside SEPA
SEPA transfers and direct debits work as they do in Italy and the rest of the euro area.
Euro settlement
Price and settle in euros, with routing across acquirers to protect approvals.
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 San Marino
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat San Marino 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 San Marino 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 San Marino?
Talk to our payments team about going live in San Marino — coverage, local acquiring, settlement and timelines for your business.