Payments and e-commerce in Croatia

Discover how Croats like to shop and pay online

Croatia’s financial-inclusion rate is over 90% and more than 80% of its population has Internet access. For the foreseeable future, e-commerce in the country is expected to grow at a faster rate than the global average [1]. Over 60% of Croats shop online for at least some of their purchases [2]. Favourite online purchases include fashion, electronics and toys [2].

According to recent research, most online shoppers in Croatia prefer to pay for their purchases using e-wallets [3]. Between 2022 and 2027, the market in Croatia for online payments is expected to grow by almost 17% a year [4]. Popular payment methods in Croatia include the e-wallet HyperWallet and the SEPA direct debit instrument. Any e-commerce strategy for Croatia should include a local- and alternative-payments plan.

  1. https://ecommercedb.com/markets/hr/all
  2. https://ecommercenews.eu/ecommerce-in-europe/ecommerce-in-croatia
  3. https://finance.yahoo.com/news/eastern-europe-online-payment-methods-081300048.html
  4. https://www.statista.com/outlook/dmo/fintech/digital-payments/croatia

Croatia

General Information

  • Population 4.1 m
  • Population 15 + 3.3 m
  • Online Population 3.3 m
  • Area 56,594 km2
  • Currency HRK
  • GDP 67.8 bn $US
  • GDP per Capita 16,611 $US
Banked population
  • Croatia 90%
  • Eastern Europe & the CIS 72%
  • World 67%
Credit card penetration
  • Croatia 38%
  • Eastern Europe & the CIS 22%
  • World 19%
Internet penetration
  • Croatia 82%
  • Eastern Europe & the CIS 76%
  • World 62%
Smartphone penetration
  • Croatia 67%
  • Eastern Europe & the CIS 62%
  • World 70%

The information on our Insights pages has been compiled by us in cooperation with Datamatics and Wright & Brown. The data shown is partially owned by us and partially owned by GlobalData. © 2021 by PPRO Financial Ltd. No data and information can be used for any further publication without the explicit approval of PPRO.

Croatia

Local Payment Methods

BitPay Type Cryptocurrency Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Hyperwallet Type Bank transfer, Gift card, Prepaid voucher Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High PayPal Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High Paysafecard Type Prepaid voucher Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Paysafecash Type Cash Regions Eastern Europe & the CIS, North America + 1 Paysera Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High SEPA Direct Debit Type Bank transfer Regions Eastern Europe & the CIS, Western & Central Europe Market relevance High Skrill Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High Trustly Type Bank transfer Regions Eastern Europe & the CIS, North America + 1 Market relevance High TrustPay Type Bank transfer Regions Eastern Europe & the CIS, Western & Central Europe Allied Wallet Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High UnionPay SecurePay Type Local payment card Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High Apple Pay Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High Boku Type Carrier billing Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High DaoPay Type Carrier billing Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High Google Pay Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High Mobiamo Type Carrier billing Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High Razer Gold Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High SEPA Credit Transfer Type Bank transfer Regions Eastern Europe & the CIS, Western & Central Europe Market relevance High SWIFT Type Bank transfer Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High AirCash Type Wallet Regions Eastern Europe & the CIS Market relevance Medium GoPay Type Wallet Regions Eastern Europe & the CIS, Western & Central Europe Market relevance Medium Secure Remote Commerce (SRC) Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance Medium SEPA Instant Credit Transfers (SCT Inst) Type Bank transfer Regions Eastern Europe & the CIS, Western & Central Europe Market relevance Medium Boloro Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 G2A Pay Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance Medium NETELLER Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Splitit Type Instalments Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3

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