What is the most popular online payment method in Romania?
Cash on delivery still leads by number of orders, with 60 to 65% of e-commerce orders according to ARMO. Cards dominate prepaid orders, often stored for one-click payment: on Black Friday 2025, more than 64% of PayU payments used saved cards.
In detail
Cash on delivery still leads by number of orders, with 60 to 65% of e-commerce orders according to ARMO. Cards dominate prepaid orders, often stored for one-click payment: on Black Friday 2025, more than 64% of PayU payments used saved cards.
Payment by card in Romania
Online, card payments go through local gateways that also store cards for repeat buyers. On Black Friday 2025, more than 64% of PayU payments were made with saved cards, and NETOPIA Payments saw online card transactions rise 14% year on year.
Payment by cash in Romania
Online, cash takes the form of cash on delivery. Ramburs covers about 60 to 65% of e-commerce orders, and PayU notes that these orders have an 11% return rate, against 4 to 5% for prepaid ones. Law 406/2023 now obliges online merchants to offer at least one electronic payment method next to it.
Payment by installment and BNPL in Romania
Mokka works with fashion and home retailers, and Klarna launched Pay in 3 in Romania in 2023. Gateways such as PayU, NETOPIA Payments and EuPlătesc bundle installment cards and BNPL so merchants can add them without separate contracts.
More detail in our #PayWorldTour guide Payment methods in Romania.