Payment methods available in Moldova

• Cash

  The goods or services are paid by the buyer in cash to the cashier in the store, or to the courier when the buyer receives the goods.
  Designed mainly for receiving payments from individuals.

• Bank transfer

  The buyer must receive the invoice in hard copy or by mail and hand it over to the accountant for bank transfer.
  Designed mainly for receiving payments from legal entities.

  According to the National Bank of Moldova, the following 11 banks have licenses: ComerţBank, EnergBank, EuroCreditBank, EximBank, MoldIndConBank, Moldova AgroIndBank, Procredit Bank, Banca Comercială Română Chişinău, VictoriaBank, Banca de Finanţe şi Comerţ, Mobiasbanca.

• By bank card online

  (internet payments or cashless payment form)
  Designed to receive payments from both individuals and legal entities.
  To accept payments using bank cards, the site owner must obtain an Internet Merchant Account at an acquiring bank.

  In Moldova, at the moment, this service is provided by 4 acquiring banks: MoldovaAgroIndBank, Victoria Bank, MoldIndConBank and FinComBank.

• By bank card using a POS terminal

  Payment is made by bank card, which is presented at the checkout or to the courier.
  Designed to receive payments from both individuals and legal entities.
  POS terminals are stationary and mobile, as well as those that allow integration with accounting systems, for example, 1C or others.

  To get a POS terminal, the seller must contact one of the licensed banks in Moldova.

• Payment Terminals (Cash-In or ATM)

  (Cash-In terminals or ATM)
  Payment is made in Payment Terminals.
  Designed to receive payments from individuals.

• Payment using e-wallets (Payment systems)

  The operation of payment systems on the territory of Moldova is regulated by the Law on Payment Services and Electronic Money No. 114 of 18.05.2012.
  Payment can be made in various ways, implemented in each of the payment systems.
  Usually, payment systems also have a payer’s personal account.
  They are mainly intended for receiving payments from individuals.

  According to the National Bank of Moldova, 5 companies have licenses to issue electronic money::
  Paymaster (RunPay), Paynet, BPay, QIWI-M, FinTecly and Moldcell

• Cash payment at banks or Posta Moldovei

  The issued electronic invoice is forwarded to authorized banks or Posta Moldovei.
  The buyer needs to go to one of the authorized banks (branch or department), indicate the number of the electronic account (indicated by the electronic store after the order is generated by the buyer) and pay for the product / service.
  Designed mainly for receiving cash payments from individuals.

A promising option for accepting payments – Instant payments