Payment methods in Romania

The dominant e-commerce payment method. ~70% of online transactions use cards. Debit cards are preferred over credit cards. Six out of ten Romanian e-shoppers used Visa or Mastercard for online payments. Cards are issued by all major Romanian banks (Banca Transilvania, BCR, BRD, ING, Raiffeisen).

Digital wallets with growing adoption, particularly among younger consumers in urban areas. Saved-card payments through these wallets are growing at 15-20% annually alongside traditional card payments.

Buy Now Pay Later expanding rapidly in Romanian e-commerce, offering installment payment options and boosting conversion rates. Growing alongside increasing consumer comfort with credit-based digital products.

The leading Romanian payment gateway for e-commerce merchants. Processes card payments, digital wallets, and cash voucher payments. Key infrastructure for Romanian online retail.

Marketplace-integrated wallet from eMAG, Romania's dominant e-commerce platform. Enables stored-value payments, instant refunds, and loyalty points integration for Romania's largest online shopping platform.

Used for cross-border shopping and on international platforms. Growing but less dominant than in Western Europe, as many Romanians prefer card payments directly. Flow: User selects PayPal, a modal or redirect opens. User logs in, confirms funding source, reviews details, authorizes. Control returns to merchant with approved or declined status.