How do people in Slovenia pay online?
Two in three Slovenians shop online. Eurostat puts the share of people who bought something online in the previous 12 months at 66.87% in 2025, below the EU average of 73.56%.
Cards lead. In the ECB’s 2024 survey of consumer payments (SPACE), cards made 54.5% of Slovenian consumers’ online payments by number, above the euro area figure of 48%. E-payment solutions, which the ECB defines as payment wallets, PayPal and other mobile apps, made 21.9%. Credit transfers made 5.8% and instant payments 4.4%. In shops, cash is still strong: it made 64% of point-of-sale payments by number in the same survey.
Flik is the Slovenian instant payment scheme. At checkout the shopper enters their phone number, then confirms the payment in the Flik app, and the money arrives within seconds. Twelve banks take part. The Bank of Slovenia’s National Payments Council heard in September 2025 that Flik had about 776,000 active users and about 1.5 million transactions a month, about 90% of them between people, with payments to merchants growing.
Apple Pay and Google Pay are both available in Slovenia, according to Apple’s and Google’s own country lists.
What rules shape online payments in Slovenia?
VAT is 22%, with a reduced rate of 9.5% for most foodstuffs and 5% for books and newspapers. Since January 2025 drinks with added sugar or sweeteners are taxed at 22%. From 1 July 2025 businesses must submit their ledgers of issued and received invoices to the tax authority electronically each month. A seller established in another EU country whose cross-border sales to consumers pass EUR 10,000 a year charges Slovenian VAT and can declare it through the One Stop Shop.
Shoppers have 14 days to withdraw. Under EU consumer rules, the period for goods runs from the day of delivery. Since 19 June 2026 online shops must also offer an electronic withdrawal function, a clearly labelled button that lets the consumer withdraw online, under Directive (EU) 2023/2673.
Card payments need strong customer authentication and cannot carry a surcharge. Your Europe explains that online payments above EUR 30 need at least two authentication elements and that sellers may not charge extra for paying by credit or debit card.
Instant payments are standard. Under the EU Instant Payments Regulation, euro area banks must receive instant transfers since 9 January 2025 and send them, with a check of the payee’s name against the IBAN, since 9 October 2025, at no higher price than a standard transfer.
Personal data falls under the GDPR, supervised in Slovenia by the Information Commissioner (Informacijski pooblaščenec).
How would Omno route payments in Slovenia?
A merchant would connect once and set routing rules per method, amount and customer group. In Slovenia:
- 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.
- 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.
- Bank payments could be added through a provider that supports instant account-to-account payments, with rules by amount or customer group.
The routing-decision log would show which provider handled each payment and why.
What should merchants plan for?
Plan for cards first. They carry more than half of the online payments Slovenians make, and phone wallets sit on top of the same cards.
Plan for PayPal. About one online payment in five goes through an e-payment app, so a checkout without one leaves a gap.
Plan for the withdrawal button. Add the online withdrawal function required since 19 June 2026 to the order pages.
Plan for VAT at 22%. Check whether your EU sales pass the EUR 10,000 threshold and register for the One Stop Shop if they do.