Which BNPL providers are used in the Czech Republic?
Skip Pay, Twisto and Raiffeisenbank's PlatímPak are the main local options, joined by Klarna since 2022. Skip Pay alone is available in more than 33,000 e-shops.
In detail
Skip Pay, Twisto and Raiffeisenbank's PlatímPak are the main local options, joined by Klarna since 2022. Skip Pay alone is available in more than 33,000 e-shops.
How people pay in the Czech Republic in 2026
Online, Czech shoppers keep their own habits. E-shops earned CZK 206 billion in 2025, up about 6%, according to APEK and Heureka. Shoppers pay mostly by card and wallet, but bank transfers, QR Platba codes and cash on delivery (dobírka) remain common, and local deferred payment brands such as Skip Pay and Twisto compete with Klarna. For PSPs and merchants, a Czech checkout needs cards, Apple Pay and Google Pay, an instant bank option and a pay-later choice.
Payment by installment and BNPL in the Czech Republic
Gateways bundle these products: Comgate, for example, lists Twisto, Skip Pay and PlatímPak as deferred payment options. Klarna entered the market in September 2022 with pay in 3, and traditional consumer lenders such as Home Credit, Cofidis and Essox still finance installment purchases in stores and online. BNPL providers also pitch themselves as a safer alternative to cash on delivery for merchants.
More detail in our #PayWorldTour guide Payment methods in Czech Republic.