Payment Processing · Buyer guide
Croatia has used the euro since 1 January 2023, when it replaced the kuna at a fixed rate of 7.53450 kuna to the euro. Nearly four years on, a Croatian business that takes cards pays in euro under the same EU rules as the rest of the euro area. Interchange, the fee your provider passes to the cardholder's bank, is capped at 0.2% of a consumer debit card payment and 0.3% of a consumer credit card payment. Croatian law goes further than most countries on surcharges: a shop may not charge a customer anything for using a particular way of paying.
Below is what providers publish for Croatia, read on their Croatian pages and in the banks' current tariffs on 3 November 2026. Card fees are per payment. Monthly fees and hardware prices are flagged where the provider says they exclude VAT, which is 25% in Croatia at the standard rate.
These are the published in-person rates on consumer cards issued in the European Economic Area, which covers almost every Croatian customer and most visitors from the EU.
Croatia's banks and their card companies negotiate the percentage and do not publish it, but their tariffs show the fixed costs. Nexi (our grade: B), whose Croatian arm signs merchants through nexi.hr, charges €15.93 a month plus VAT for each terminal it supplies under its general terms dated 10 February 2026, with the month of installation and the following month free. Its commission is set in each contract and, the terms say, depends on the card scheme, card category and where the card was issued. A terminal that is not returned at the end costs €160.29 plus VAT for a fixed one and €286.71 for a mobile one.
Zagrebačka banka's card tariff for legal entities, in force from 7 May 2026, charges €5 a month plus VAT for an EFT POS terminal, €25 a month plus VAT for its FISKAL POS terminal and €2.65 plus VAT a month for a wireless terminal's SIM card. Under other fees it lists a €0.01 per-transaction processing charge without saying which transactions it covers. It also lists a monthly fee for insufficient use of €19.91 plus VAT on a fixed terminal and €46.45 plus VAT on a wireless one, without stating the threshold in that extract; the bank's small-business page says a new terminal carries no inactivity fee for the first six months. Its card-acceptance commission is not in the published tariff.
Teya (our grade: B), which sells in Croatia, lists a Start plan for card turnover up to €7,500 a month at 1.39% on consumer Visa and Mastercard cards, with a €14.99 monthly fee for businesses taking under €2,500, and terminals from €89 before VAT. The full fee table, including any fixed fee per payment and the rates on business and international cards, sits in a pop-up we could not read, and the same page says Teya has no universal price list, so we have left it out of the worked example below.
Take a café or shop with 160 card payments a month of €25 each: €4,000 of takings, all on standard (not premium) EEA consumer cards. On the published rates, before hardware:
At this size Revolut and SumUp's plan come out €17 to €33 a month cheaper than the flat-rate alternatives. On SumUp's own rates its plan pays for itself from about €1,640 a month on standard consumer cards, well below the €3,700 it quotes. Fixed per-payment fees matter more as the average sale falls: at €10 a payment, myPOS's €0.05 adds half a percentage point. The picture changes with the card mix, too. A coastal business serving tourists from outside the EEA, or one selling to companies, takes many cards outside the EU caps. Those cost 2.6% + €0.02 at Revolut, 1.95% at SumUp and interchange and scheme fees plus 1.16% at Viva.com. Stripe is the exception for UK and EEA business cards, which stay at 1.4% + €0.10; only cards from the rest of the world cost 2.9% + €0.10.
On a €40 order paid with an EEA consumer card that works out at €0.60 with Revolut, €0.85 with Stripe, €1.00 with SumUp, about €1.15 with Viva.com once one 3-D Secure check is counted, and €1.71 through a PayPal checkout, whose rate does not depend on the card.
Croatia's banks have been under the euro-area deadlines of the EU Instant Payments Regulation from the start. They had to receive instant euro transfers by 9 January 2025 and send them by 9 October 2025, may not charge more for an instant transfer than for an ordinary one, and must offer payers a free check that the payee's name matches the account. E-money and payment institutions located in the euro area, such as many app-based providers, have until 9 April 2027 to send and receive instant transfers.
Zagrebačka banka's business tariff from 15 January 2026 shows what that looks like in practice. An outgoing euro payment to another Croatian bank through its e-zaba online banking costs €0.45, standard or instant, and an incoming payment from another bank in Croatia costs the business €0.16. The account itself costs €6.60 a month, plus €5 a month per user for e-zaba. A customer paying a €40 invoice by transfer therefore costs the shop €0.16, against €0.60 or more by card online.
Among the card providers, Revolut charges 1% + €0.20 for Pay by Bank, capped at €5 in total, and 0.6% for SEPA Direct Debits, with the percentage capped at €5, plus €0.20; both have applied since 17 July 2026. In person, Revolut Pay from a personal Revolut user costs 0.5% + €0.02, but 2.6% + €0.02 when the payer uses a business account. Stripe charges €0.35 per SEPA Direct Debit.
Article 32(5) of Croatia's Payment Transactions Act (Zakon o platnom prometu) says a payee may not charge the payer any fee for using a particular payment instrument. Unlike the EU minimum, which covers only consumer cards and euro transfers and direct debits, the Croatian wording contains no exceptions, so on its face it reaches business cards, American Express and cards from outside the EU too. Building payment costs into your prices is allowed, and you may offer a discount for a particular way of paying, but article 15(1) says you must tell the customer about it before the payment is made.
Croatia's new Fiscalisation Act, in force from 1 September 2025, requires receipts to be fiscalised whether they are paid in cash, by card, by transfer to a transaction account or otherwise; the transfer part has applied since 1 January 2026. Each receipt must show how it was paid. In practice that makes a card terminal linked to the fiscal till worth having, which is why banks sell combined fiscal terminals such as Zagrebačka banka's €25-a-month FISKAL POS. We found no general duty in Croatian law for a shop to accept cards.
