Croatia's e-commerce sector continues to grow rapidly, with online retail revenue reaching €2.3 billion in 2026. Digital payments have become nearly universal among online shoppers, with a 78% penetration rate, reflecting increased confidence and trust in digital financial services. Mobile payment transactions are also on the rise, signaling a shift towards more convenient, contactless shopping experiences, especially among younger consumers.
Credit and debit cards remain the dominant payment method, accounting for the majority of transactions. The average transaction value has risen to €60, indicating more substantial online purchases. Overall, Croatia’s digital payment infrastructure is robust, supporting a thriving e-commerce environment that caters to an increasingly digital-savvy population and improving cross-border trade opportunities.