Are Apple Pay and Google Pay available in the region?

Apple Pay is supported in all six markets. Google Pay is offered by banks in several countries, and in Kosovo the two wallets passed 66,000 users within four months of their 2025 launch.

Payment by digital wallet and X-Pay in the Western Balkans

Apple Pay now covers the whole region. Apple lists Albania, Bosnia and Herzegovina, Kosovo, Montenegro, North Macedonia and Serbia among its supported countries. NLB Group, with banks in Serbia, Bosnia and Herzegovina, Montenegro, North Macedonia and Kosovo, completed its rollout in July 2025, when all its banks in Southeast Europe offered Apple Pay. In Kosovo, Google Pay and Apple Pay passed 66,000 users within four months of their 2025 launch.

Accepting Apple Pay and Google Pay

Regional gateways of the Payten group, serving merchants in Bosnia and Herzegovina, Serbia, Montenegro and Croatia, offer Apple Pay and Google Pay with tokenization and one-click checkout. For merchants, device wallets run on card rails and card rules, while IPS QR, the other phone payment in Serbia, settles account to account in about a second.

More detail in our #PayWorldTour guide Payment methods in the Western Balkans.