How do people in Andorra pay online?
Online shopping is now mainstream. The government’s Departament d’Estadística found that 60.4% of residents aged 16 to 74 had bought goods or services online in the previous three months in 2024, up from 46.6% in 2021 and 49.3% in 2023. The share who had never bought online fell to 21.2%. Among recent buyers, 43.6% spent between EUR 100 and EUR 500 in three months. Of those who had not bought online, 47.7% said they prefer to shop in person.
Cards carry online payments. Andorra uses the euro, and its banks issue Visa and Mastercard cards for paying in shops and online. Apple Pay and Google Pay both appear on Apple’s and Google’s own country lists, and Apple names Andbank, Creand and MoraBanc as its Andorran issuers.
Bizum has arrived, mostly in person. Andbank launched its MyAndbank digital bank with Bizum in November 2022, and in February 2025 MoraBanc became the first Andorran bank to offer Bizum for businesses and professionals in its app, with payments made to the business’s phone number and credited in real time. In November 2025 CityXerpa Pay, with Andbank, added Bizum to standard POS terminals in Andorran shops. None of these announcements describes Bizum as an online checkout method, so cards remain the main way to pay an online shop.
What rules shape online payments in Andorra?
Andorra levies a general indirect tax (IGI) instead of VAT. Under Llei 11/2012, the general rate is 4.5% and applies unless another rate is set, with an increased rate of 9.5% for banking and financial services. Electronically supplied services sold by a business outside Andorra to a consumer established in Andorra are treated as supplied in Andorra, and the law presumes the customer is in Andorra when payment is made from an Andorran account.
Personal data is protected under Llei 29/2021, the qualified law on the protection of personal data, supervised by the Andorran Data Protection Agency (APDA).
How would Omno route payments in Andorra?
A merchant would connect once and set routing rules per method, amount and customer group. In Andorra:
- Card pay-ins would follow rules by BIN, currency and amount, with cascading: if a provider is unavailable or rejects the request, the payment moves to the next provider in the rule until one accepts.
- Apple Pay and Google Pay would be shown in the hosted checkout through providers that support them, next to the card form.
- BIN rules could send cards from Andorran issuers to one provider and foreign cards to another.
- Saved cards would let returning shoppers pay without typing card details again.
Webhooks would confirm each final status, and the routing-decision log would show which provider handled each payment and why.
What should merchants plan for?
Plan for cards and phone wallets. They carry online payments, and the three main Andorran banks support Apple Pay.
Plan for IGI, not VAT. Check whether your sales to Andorran consumers, including e-services, fall under the 4.5% general rate.
Plan for a small market. With about 83,000 residents, Andorra suits a merchant already selling in euros; keep prices and delivery terms clear.