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.

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