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Pay by Bank (HR)
Pay by Bank in Croatia leverages SEPA Credit Transfers via open banking APIs supported by major banks.
Method
Pay by Bank (HR)
LPM Market Share
n/a
Payments
Yes
Refunds
Yes - full and partial refunds (automated)
Type
Bank Transfer
Local Card Scheme
Users
n/a
Disbursements
No
No
Chargebacks
No
Authorization currency
EUR
Authorization
speed
speed
Instant
Recurring
N/A
N/A
Reasons for Popularity
Support from major banks with dedicated authentication apps and infrastructure.
Government and regulatory encouragement for cashless, digital transactions.
