How do people in San Marino pay online?
Cards issued at home carry most payments. The Central Bank of the Republic of San Marino reports 46,373 debit cards, including prepaid cards, and 17,818 credit cards issued by San Marino banks and payment institutions at the end of 2025. Debit cards made 6.27 million payments worth EUR 375.4 million that year and credit cards 1.71 million payments worth EUR 136.8 million. Both counts rose from 2024. The central bank does not split these figures between online and in-store use.
The card infrastructure is being renewed. In September 2026 Banca Sammarinese di Investimento chose Worldline to run its card issuing and acquiring platforms.
Wallets are partly available. PayPal runs a San Marino site where shoppers can store cards and bank accounts and pay online. Google lists San Marino among the countries where Google Wallet is available, but San Marino does not appear on Apple’s list of Apple Pay countries, so a checkout should not rely on Apple Pay for San Marino shoppers.
San Marino uses the euro, so shoppers pay in the same currency as Italian and other euro-area shops.
What rules shape online payments in San Marino?
San Marino does not apply VAT in the EU sense. Imported goods and related services carry a single-stage import tax (imposta monofase); a Filodiritto summary from May 2022 gives an ordinary rate of 17%, refundable for producers and wholesalers. Check the current rate and any reform before pricing for San Marino.
Trade with Italy is invoiced electronically. Since 1 July 2022, under an Italian Ministry of Economy and Finance decree of 21 June 2021, invoices for sales of goods between Italian and San Marino businesses go through a single cross-border electronic system; for services, e-invoicing remains optional.
Euro instant payments are arriving in stages. Under Central Bank Regulation 2024-04, San Marino payment service providers already receive instant euro transfers. Regulation 2025-03, in force from 8 October 2025, moved the deadline for sending instant transfers and offering Verification of Payee to 9 July 2027, because San Marino providers could not yet join the European Payments Council’s Verification of Payee scheme as a non-EEA country.
How would Omno route payments in San Marino?
A merchant would connect once and set routing rules per method, amount and customer group. In San Marino:
- 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.
- Google Pay would be shown in the hosted checkout through providers that support it, next to the card form.
- PayPal would go to a provider that supports it, with the result confirmed by webhook rather than by the shopper’s return to the store.
- Saved cards would let returning shoppers pay again without typing card details.
The routing-decision log would show which provider handled each payment and why.
What should merchants plan for?
Plan for debit cards. There are about two and a half debit cards for every credit card in circulation.
Plan for a checkout without Apple Pay. San Marino is not on Apple’s country list, so keep the card form and Google Pay prominent.
Plan for the import tax. Check how the San Marino import tax applies to the goods you ship, and how your invoices to San Marino businesses must be sent.