Croatia is a eurozone market where card payments are part of daily life, and online card payments and digital wallet use have grown steadily since the euro's adoption in 2023. Particularly during peak tourist season, visitors from Western Europe — Germany, Italy, and others — often use the same Apple Pay they use at home, allowing merchants to cover local consumers and foreign visitors at the same time. Apple Pay tokenizes cards registered on an iPhone or Apple Watch and approves payment via Face ID or Touch ID, so the actual card number is never passed to the merchant.

Because online payments are completed with one click using a registered card, this is worth considering especially for mobile-heavy categories such as accommodation, airline, and activity bookings, or digital content businesses where checkout drop-off determines performance. For general commerce targeting consumers in Croatia, adding it as a secondary option alongside card payments is a reasonable configuration.

When a consumer selects Apple Pay at checkout, the card registered on their device is presented as a token, and approval is completed via Face ID or Touch ID biometric authentication. Because this biometric authentication satisfies the Strong Customer Authentication (SCA) required by PSD2, it reduces drop-off that would otherwise result from additional authentication steps. The approved euro (EUR) amount is collected by Hecto Financial, converted, and settled to the Korean merchant in the selected currency among USD, KRW, and JPY.

Through Hecto Financial, a Korean corporation can consider adopting Apple Pay payments without a local contracting process in Croatia. However, the supported card networks, regional scope, and terms (settlement cycle, fees, currency options) vary by industry and transaction scale, so confirmation through consultation before contracting is required.

• Business registration country

  Confirm eligibility to contract as a business registered in Korea

• Sales channels

  The integration method and priority vary depending on your online sales channel mix — owned mall, open marketplace, mobile app, etc.

• Product categories

  Check in advance whether your products fall under categories restricted by Apple Pay's merchant policy

• EU regulatory compliance

  Confirm compliance with EU payment rules such as PSD2 and SEPA (see official sources below)

Croatia transaction proceeds approved via Apple Pay are collected by Hecto Financial in euros (EUR), and settlement to the Korean merchant is made, after conversion, in whichever of USD, KRW, or JPY was set under the contract (the cycle follows contract terms). Refunds are processed as a cancellation back to the original transaction card, so if your business sees frequent 14-day right-of-withdrawal requests from EU consumers, it is advisable to check your cancellation and partial-refund process in advance.

• Croatian National Bank — Hrvatska narodna banka (HNB)Official information on Croatia's payment systems and related regulations. If this page's content differs from actual regulations, the official source takes precedence.