Croatia is a tourism market with an especially high share of foreign payments even within Europe, and cruise port calls plus expanding peak-season direct flights bring in a steady flow of visitors from the Americas as well. However, since Discover has virtually no issuance base within Europe, it is not a method for consumers in Croatia but a complementary method that prevents payment failures for visitors carrying Discover or Diners Club cards issued abroad — for example in the United States. It is appropriate to add it on top of a base of Visa/Mastercard card acceptance.

Tour and ticket sales targeting cruise port destinations like Dubrovnik, or online booking services with a high share of English-speaking customers, are worth considering as a way to reduce failed payments. For merchants focused on the Croatian domestic market, this is a lower priority.

When a visitor pays with a Discover or Diners card issued abroad, approval is processed through the Discover global network, and online transactions may require additional 3DS authentication under PSD2's Strong Customer Authentication (SCA) requirements. The approved amount is collected by Hecto Financial in euros (EUR), converted, and settled to the Korean merchant in the contracted currency among USD, KRW, and JPY.

Through integration with Hecto Financial, a Korean corporation can consider accepting Discover and Diners family cards without a local contract in Croatia. The actual availability and terms (settlement cycle, fees, currency options) vary by industry and transaction scale, so confirmation 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 Discover's merchant policy

• EU regulatory compliance

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

Proceeds from Discover and Diners approvals generated in Croatia are collected by Hecto Financial in euros (EUR), and after conversion are settled to the Korean merchant in whichever of USD, KRW, or JPY was set under the contract (the cycle follows contract terms). Because these are foreign-issued cards, refund and chargeback processing can take longer, and where the buyer is an EU-resident consumer, a customer-service process that accounts for refund requests under the 14-day right of withdrawal is needed.

• 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.