Kordiva
Payment gateway comparison

Payment gateway options for ecommerce in North Macedonia

A Macedonian merchant can evaluate a managed Kordiva payment flow, a direct local-bank gateway, manual bank transfers, or a custom international setup. The right choice depends on approval, checkout experience, development effort, fiscal operations, refunds, payouts, and total maintenance cost.

Compare the operating models

Kordiva managed payments
Integrated storefront, checkout, orders, merchant controls, refunds, payouts, and UJP-ready operations after business verification.
Local bank gateway
A direct agreement with a Macedonian bank or processor, usually requiring approval, technical integration, testing, and separate operational software.
Bank transfer
Low technical entry cost but manual confirmation, reconciliation work, and more checkout friction for customers.
Custom international setup
May require a foreign legal entity, foreign banking, accounting, tax, and ongoing compliance outside North Macedonia.
Shopify or WooCommerce
Store software still needs a compatible payment integration and separate local fiscal and operational workflows.
Decision criteria
Compare time to launch, approval certainty, conversion, support, settlement, refunds, risk controls, and lifetime maintenance.

A practical evaluation process

Bank fees and approval rules can change and are contract-specific. Confirm current commercial terms directly with each bank or processor before deciding.

  1. 1. Define payment methods, customer markets, currencies, and monthly volume.
  2. 2. Confirm business and product eligibility with each provider.
  3. 3. Compare complete launch and maintenance cost, not only transaction percentage.
  4. 4. Test checkout, refund, payout, reconciliation, and fiscal workflows before launch.

Payment roles

Kordiva operates the managed Stripe-powered payment flow. The store merchant remains responsible for its products, fulfilment, taxes, policies, and customer obligations. Exact processing roles and settlement terms are defined in checkout disclosures and the approved merchant's written agreement.