Introduction
For businesses in Croatia, selecting the right payment gateway is essential to ensure smooth, secure, and efficient payment processing. A good payment gateway not only facilitates transactions but also aligns with local payment preferences, regulatory requirements, and specific business needs. This guide highlights the top 10 payment gateways suitable for Croatian businesses, detailing their features, fees, and benefits.
1. CorvusPay
Overview:
CorvusPay is a popular choice among Croatian businesses. Known for its user-friendly interface and robust security, it offers seamless integration with most e-commerce platforms and supports Croatian Kuna (HRK) transactions.
Key Features:
- Local currency support
- Mobile-optimized checkout
- Multiple payment options (credit cards, e-wallets, and bank transfers)
Fees:
CorvusPay’s fees depend on transaction volumes, with custom pricing for high-volume businesses.
Best For:
E-commerce businesses, especially those with local customers.
2. WSPay
Overview:
WSPay is a secure and reliable gateway designed with Croatian businesses in mind. It supports a wide range of payment options and integrates easily with leading e-commerce solutions.
Key Features:
- Real-time transaction processing
- Support for multiple payment methods, including local options like PBZ Wave2Pay and e-wallets
- Excellent fraud prevention measures
Fees:
Fees are typically volume-based. WSPay also offers discounts for high transaction volumes.
Best For:
Retail and service-based businesses focusing on local transactions.
3. PayWay (Erste Bank)
Overview:
Erste Bank’s PayWay is a secure payment solution offering Croatian businesses robust payment processing capabilities. As a local banking solution, it provides ease of integration with various local systems.
Key Features:
- Full support for Kuna transactions
- Compatible with popular e-commerce platforms
- In-depth analytics dashboard for transaction tracking
Fees:
Transaction fees are competitive, with additional discounts for Erste Bank account holders.
Best For:
Businesses already banking with Erste Bank or those seeking strong local support.
4. Mollie
Overview:
Although based in the Netherlands, Mollie is increasingly used in Croatia for its flexibility and variety of payment options. It supports local payment methods and European regulations, making it a good fit for Croatian businesses.
Key Features:
- Over 20 payment methods, including SEPA bank transfers
- Transparent, pay-as-you-go pricing
- Seamless integration with major e-commerce platforms
Fees:
Pricing varies by payment method, with no monthly fees.
Best For:
Businesses serving both local and European markets.
5. Stripe
Overview:
Stripe is a global leader in payment processing and is known for its comprehensive APIs and flexible features. While Stripe operates globally, it fully supports Croatian businesses, including payments in HRK.
Key Features:
- Extensive API for custom solutions
- Support for over 135 currencies
- Advanced fraud detection tools
Fees:
Stripe charges a flat-rate fee per transaction, with additional fees for international payments.
Best For:
Tech-savvy businesses or those with custom payment processing needs.
6. PayPal
Overview:
PayPal is one of the world’s most recognized payment gateways, supporting transactions in various currencies, including Croatian Kuna.
Key Features:
- Broad international reach
- Fast, secure transactions with buyer protection
- Trusted brand with high consumer recognition
Fees:
Standard PayPal fees apply, with additional charges for currency conversions.
Best For:
Businesses targeting international customers and those seeking instant brand trust.
7. 2Checkout (now Verifone)
Overview:
2Checkout, rebranded as Verifone, is a versatile payment processor suitable for Croatian businesses that sell internationally. It offers over 45 different payment options.
Key Features:
- Multi-language and multi-currency support
- Extensive e-commerce platform integration
- Advanced subscription and recurring billing options
Fees:
Transaction-based fees with international processing charges.
Best For:
Subscription-based businesses and those selling across Europe.
8. Adyen
Overview:
Adyen is a popular payment gateway with an extensive global presence. It offers excellent multi-currency support, including HRK, and is ideal for businesses with a significant European customer base.
Key Features:
- Multi-channel support (online, in-app, and point-of-sale)
- Real-time data insights and analytics
- Robust fraud prevention
Fees:
Adyen charges both a processing fee and a transaction fee, with discounts for large volumes.
Best For:
Medium to large businesses with international sales.
9. Braintree
Overview:
Braintree, owned by PayPal, provides a powerful payment processing platform with advanced customization features. It’s suitable for Croatian businesses that want a global reach.
Key Features:
- Seamless integration with PayPal
- Multiple currency support, including HRK
- Customizable user interface for an enhanced customer experience
Fees:
Flat-rate pricing with additional fees for foreign currency transactions.
Best For:
Businesses needing flexibility and customization in payment processes.
10. MyPOS
Overview:
MyPOS offers a complete solution for Croatian small businesses, providing both online and in-person payment solutions. With support for multiple currencies and robust mobile functionality, it’s popular among retailers.
Key Features:
- Real-time fund transfer
- No monthly fees for standard plans
- Comprehensive in-store and online payment solutions
Fees:
MyPOS charges per transaction, with no monthly fees.
Best For:
Small and medium-sized businesses needing versatile payment solutions.
FAQs
1. Can Croatian businesses use global payment gateways like Stripe and PayPal?
Yes, most global payment gateways, including Stripe and PayPal, support Croatian businesses and transactions in HRK.
2. What factors should I consider when choosing a payment gateway in Croatia?
Consider transaction fees, currency support, security features, and ease of integration with your website or e-commerce platform.
3. Do I need a Croatian bank account to use these payment gateways?
Some gateways may require a local bank account, while others, like PayPal, only require an account to receive funds.
Conclusion
Choosing the right payment gateway is essential for ensuring that your Croatian business can handle transactions smoothly and securely. Whether you need local support, multiple currency options, or advanced integration, there is a payment gateway that fits your needs. The gateways mentioned here provide a mix of local and international options, catering to a variety of business sizes and sectors.
