Sources: National Bank of Serbia and provider disclosures, 2024–2025.
How Serbia pays
Serbia has its own national card scheme, DinaCard, operated by the National Bank of Serbia and issued widely by local banks alongside Visa and Mastercard. Online, international cards and Apple Pay and Google Pay do most of the work, while cash on delivery is still a common choice for parcels.
The fastest-moving rail is IPS, the central bank's instant payment system, which lets shoppers pay by scanning a QR code in their banking app. 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 dinar 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.
DinaCard and IPS QR on the radar
DinaCard and IPS QR payments are how many Serbians pay locally.
Dinar pricing and FX
Price in RSD and settle in your base currency, with FX handled for you.
3DS, tuned
Authentication on card-not-present payments, with Serbian-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 Serbia
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Serbia like any other market in your stack.
One integration, growing local coverage
Connect once for what's live in Serbia 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 Serbian dinar (RSD) 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 Serbia?
Talk to our payments team about going live in Serbia — coverage, local acquiring, settlement and timelines for your business.