How Serbian Online Stores Take Payments in 2026: PayPal, Stripe and Local Cards

An online store registered in Serbia takes payments three ways in 2026: cards through a local processor connected to a bank, cash on delivery and, for customers abroad, PayPal. Shopify Payments and Stripe are not available to Serbian companies, so a Shopify store run by a Serbian company uses other providers and pays Shopify a fee of 0.2% to 2% on each of those payments, depending on the plan.

Below is each option: what works for a Serbian company, how it connects to Shopify, what it costs and what the law requires. We checked the fees and rules on official pages in October 2026, and we also note what we use on the stores we built for Serbian brands.

What payment options does a Serbian online store have?

Does Shopify Payments work in Serbia?

No. Shopify Payments works in 41 countries, and Shopify's list of supported countries does not include Serbia. Serbia's EU neighbours are on the list: Croatia, Slovenia, Hungary, Romania and Bulgaria. Bosnia and Herzegovina, Montenegro and North Macedonia are not.

For a Shopify store run by a Serbian company, that means three things:

1. You pay Shopify's fee on other providers. When a payment goes through any provider other than Shopify Payments, Shopify takes 2% on Basic, 1% on Grow, 0.6% on Advanced and 0.2% on Plus. The fee applies to all transactions through other providers, PayPal included. It does not apply to manual payment methods such as cash on delivery.
2. Selling in several currencies is limited. Shopify says only stores using Shopify Payments get every feature of selling in local currencies.
3. A bank's plugin for other platforms does not work on Shopify by default. Shopify allows payment apps only from approved partners, and only selected Shopify Plus merchants can get their own payment integration. A bank having a WooCommerce plugin does not mean it has a Shopify solution.

Does Stripe work in Serbia?

No. Serbia is not on Stripe's list of supported countries, nor among the countries in preview. A company registered in Serbia therefore cannot open a Stripe account in its own name. Stripe does not appear for Serbia in Shopify's directory of payment providers by country either.

Founders in Serbia who want Stripe usually take one of two routes:

• A company in the EU or the US. A company in a country where Stripe works can use Stripe. If that country also has Shopify Payments, the Shopify store usually uses Shopify Payments, which runs from the Shopify admin. We explain the difference in our post on whether Shopify uses Stripe.
• Stripe Atlas. Atlas forms a Delaware company, as a C corporation or an LLC, for a one-time $500. The price includes government fees and the first year of a registered agent, after which the agent costs $100 a year.

Both routes mean a second company in another country, with its own taxes, accounting and rules about where the company is actually managed. This is not tax or legal advice. Before you decide, talk to an accountant or tax adviser who knows the rules of both countries.

PayPal in Serbia: can a company receive money?

Yes. PayPal works in Serbia and offers Personal and Business accounts. For selling, PayPal recommends a Business account. The contract is with PayPal Pte. Ltd. of Singapore, and the current user agreement is dated 28 May 2026.

Who PayPal is for matters. Under Article 32 of Serbia's Law on Foreign Exchange Operations (Official Gazette RS 62/2006, 31/2011, 119/2012, 139/2014, 30/2018 and 19/2025), residents may use electronic money issuers for cross-border payments, to pay and collect for the electronic sale of goods and services. The National Bank of Serbia has said that PayPal can therefore be used for payments with other countries, but not for payments between residents within Serbia. In practice PayPal is a channel for customers abroad, not for customers in Serbia. Agree with your accountant how to book these payments.

What does PayPal cost a seller in Serbia?

These fees come from PayPal's fee table for Serbia, updated 28 September 2026:

Example: a customer in Germany pays €100 in a Shopify store on the Basic plan. PayPal keeps €4.69 + €0.35 = €5.04. Shopify takes another 2%, or €2.00. That is €7.04 in total, before withdrawal and conversion into dinars.

Under its agreement, PayPal can hold funds, limit an account or set a reserve. You see the withdrawal options for your account when you log in.

How does PayPal connect to a Serbian Shopify store?

Through PayPal Express Checkout. Shopify sets it up automatically for every new store. Only merchants in France and the US don't get it, and Shopify's provider directory lists it for Serbia. Know two things up front:

• PayPal does not support the dinar. RSD is not on PayPal's list of payment currencies. If your store charges in dinars, PayPal needs euros or dollars. A separate EU store on the same theme, like the one we built for Hop Hop Shop, is one way to price in euros for customers abroad.
• Shopify's fee applies to PayPal too. Shopify treats PayPal Express Checkout as a third-party provider, so the 0.2% to 2% fee also applies to PayPal payments.

Which local card processors work with Shopify?

Card payments in Serbia go through a payment gateway and a bank. The customer enters the card on a secure form and confirms the payment through their bank's 3-D Secure check. On stores we built, cards go through Banca Intesa (Hop Hop Shop) and ChipCard (Klompe Shop), and customers can also pay with DinaCard. On the Croatian store Igračke Plus, also our project, cards go through the Croatian CorvusPay.

This is what we found for the processors merchants ask about most (October 2026):

Before you sign, ask the processor three things:

1. Whether it has a Shopify integration, and who built the app.
2. Which cards and payment methods it accepts: DinaCard, IPS, Google Pay, Apple Pay.
3. All the fees: processor, bank, monthly minimum and refunds. Then add Shopify's fee for your plan.

How does cash on delivery work on Shopify?

On Shopify, cash on delivery is a manual payment method called Cash on Delivery (COD). You turn it on like this:

1. In the Shopify admin, open Settings, then Payments.
2. In the manual payment methods section, choose Cash on Delivery (COD).
3. Add any details for the checkout page and the instructions the customer sees on the order confirmation.
4. Activate the payment method.

Cash on delivery orders stay unpaid until you receive the money. Shopify does not process that payment, so you mark the order as paid yourself when the courier transfers the collected cash. On our projects we also connect the courier services, so shipping rates, tracking and cash on delivery work without retyping orders.

What do Serbia's E-Commerce Law and Consumer Protection Law require?

This is an overview of the rules, not legal advice. Check the obligations for your store with a lawyer or accountant.

Article 6 of the Law on Electronic Commerce (Official Gazette RS 41/2009, 95/2013 and 52/2019) requires the site to show, at all times:

• the company name and registered seat;
• contact details, including an email address;
• the entry in the business register (Registar privrednih subjekata);
• the tax ID (PIB), and the VAT number if you are registered for VAT.

Prices must be clear and say whether they include delivery and tax. Before the contract is concluded, the customer must see how ordering works, the contract terms and the general terms of business, and must be able to correct input errors (Article 12). The text of the contract and general terms must be possible to save (Article 13).

The new Consumer Protection Law (Official Gazette RS 35/2026) has applied since 2 August 2026 and replaced the 2021 law. These provisions matter most for online payments:

• Article 32: at the latest at the start of ordering, the site must clearly state which payment methods it accepts and whether delivery is restricted. The order button must clearly say that ordering means an obligation to pay. If it does not, the order does not bind the customer.
• Article 27: before the contract is concluded, the customer gets the merchant's email, the total price, the withdrawal terms and information on out-of-court dispute resolution.
• Article 13: extra costs, such as delivery, need the customer's express consent. A pre-ticked box does not count.
• Articles 29 and 30: the customer has 14 days to withdraw from a distance contract without giving a reason. If you don't inform them of that right, they can withdraw within 12 months after those 14 days end.
• Article 35: after a withdrawal you refund within 14 days at the latest, using the payment method the customer used, unless the customer expressly agrees to another.
• Article 6: next to the sale price you show the unit price, and you publish a price list on your site in a machine-readable format, updated in real time, and on the National Open Data Portal. The minister sets the detailed rules.

Fiscalisation. Since 1 January 2022, under the Law on Fiscalisation, selling through a web shop means issuing a fiscal receipt. A store that sells only online issues an electronic receipt with a verification link. We connect Shopify to a fiscalisation system, so every order is fiscalised without manual work.

Which combination should you choose?

It depends on where your customers are:

• You sell only in Serbia: cash on delivery and a local card processor that takes DinaCard. This is the setup we use on stores for the Serbian market.
• You sell in Serbia and abroad: the same setup for Serbia, plus PayPal for customers abroad, with prices in euros.
• You have a company in the EU: Shopify Payments, if that country is on Shopify's list. Then card payments carry no Shopify third-party provider fee.

The order of steps for a Serbian company:

1. Register a company or sole proprietorship and open a business account. The local processors we checked contract with companies and sole proprietors.
2. Choose a card processor and confirm it has a Shopify integration.
3. Prepare the pages the law requires: company details, terms of sale, withdrawal, delivery and payment methods.
4. Turn on cash on delivery and connect your courier and fiscalisation.
5. If you sell abroad, open a PayPal Business account and connect PayPal Express Checkout.
6. Before launch, place test orders with every payment method and check the fiscal receipts.

We set up payments, couriers and fiscalisation as part of our Shopify store build. Codersy is a Shopify Plus partner based in Belgrade with more than 500 projects. Read more about what we set up for the Serbian market on our Shopify agency in Serbia page, and see indicative prices on our pricing page.

FAQ

Does PayPal work in Serbia in 2026?

Yes. Companies and individuals in Serbia can open a PayPal account, receive payments and withdraw money to a bank account in Serbia (RSD 550 per withdrawal) or to a card. Under the Law on Foreign Exchange Operations, PayPal is for cross-border payments, so it serves customers in other countries.

Can a Serbian company use Stripe?

Not directly. Serbia is not on Stripe's list of supported countries. Some founders open a company in the EU or the US, for example through Stripe Atlas, but that brings tax and legal obligations to discuss with an accountant.

Is Shopify Payments available in Serbia?

No. Shopify Payments works in 41 countries, including Croatia, Slovenia and Hungary, but not Serbia. A Shopify store run by a Serbian company therefore uses other providers for cards and PayPal.

What fee does Shopify charge without Shopify Payments?

On payments through other providers, Shopify takes 2% on Basic, 1% on Grow, 0.6% on Advanced and 0.2% on Plus. That fee comes on top of the processor's or PayPal's fees. It does not apply to cash on delivery.

Can I accept cards without a registered company?

Not with the local processors we checked. CorvusPay explicitly does not sign contracts with individuals, ChipCard asks for documents for a company or sole proprietor, and Monri's enquiry form asks for the company's tax ID. Expect to need a registered company or sole proprietorship to accept cards.

Does cash on delivery on Shopify carry a fee?

Shopify does not charge its third-party provider fee on cash on delivery, because it is a manual payment method. The courier may charge for transferring the collected cash, and you agree those terms with the courier directly.