North Macedonia

MK · MKD · 807EuropeMKD ден15 methods

Revised · 5 sources

Digital payment transactions grew over 21% in 2024; 235 million cashless transactions conducted

~1.7M
online population
~75%
banked adults
~35%
credit card population

Payment mix

share of e-commerce spend
  • Card46%
  • Cash on Delivery35%
  • Bank Transfer12%
  • E-Wallet6%
  • Other1%

Methods in use

top 8 of 15 · by spend

Checkout behaviour

Card payments lead with 46% share in 2024; digital wallets growing at 44.7% CAGR to 2030

HalkPay and NLB Pay are leading domestic digital wallets with QR and NFC capabilities

Facts
ISO 3166
MK · MKD · 807
Region
Europe
Population
2.1M
Currency
MKD ден
Internet use
~80%
Banked adults
~75%
Methods live
15
Banks covered
2
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Every figure on this page carries a source. Corrections are reviewed within a week.

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