Israeli fintech company Nayax has launched its full suite of cashless payment services in North Macedonia, expanding its Balkan footprint and enabling local merchants to accept card payments through its commerce platform.

The move extends Nayax’s regional infrastructure beyond existing operations in markets including Croatia, allowing merchants in North Macedonia to use the company’s solutions for in-person debit and credit card payments.

Nayax specialises in payment solutions for unattended retail environments, where transactions are completed without a cashier, including vending machines, laundromats, EV charging stations, parking systems and self-service food and beverage kiosks.

“Demand for digital and cashless payments in North Macedonia is growing, and the space with the most room to grow is unattended and self-service commerce: vending machines, laundromats, EV charging, parking, and self-service food and beverage kiosks, where there is no cashier present to complete the transaction,” Oren Tepper, Nayax’s chief revenue officer, told IntelliNews in a written statement.

“That is the space Nayax's entry serves, making full card present acceptance available to those merchants,” the official added.

The company said its platform goes beyond payment processing, providing businesses with tools to monitor sales, improve operational efficiency and manage customer loyalty programmes from a single interface.

“Nayax's launch in North Macedonia marks the latest milestone in our commitment to expanding across the Balkans, soon to be followed by further expansion in the region. This entry strengthens Nayax's presence and reinforces our vision of bringing accessible, easy-to-use cashless payment solutions to emerging markets,” said Tepper.

In December 2024, Nayax announced plans to roll out its attended retail payment suite — designed for staffed retail and hospitality businesses — across 40 new European markets. The expansion covered Albania, Bosnia & Herzegovina, Bulgaria, Croatia, Greece, Montenegro, Romania and Slovenia, but not North Macedonia, making the latest launch a new addition to the company's growing Balkan footprint.

The expansion comes as businesses across Southeast Europe increasingly adopt digital payment solutions, driven by changing consumer habits, the growth of e-commerce and demand for more automated services that reduce reliance on traditional cash-based transactions.

Vending and food kiosks seen as fastest-growing segments

Tepper expects vending and food kiosks to be the fastest-growing sectors in North Macedonia.

“Nayax supports all of them in North Macedonia: vending, laundromats, EV charging, parking, and self-service food and beverage kiosks. We expect vending and food kiosks to be the fastest growing sectors in North Macedonia, followed by parking and later EV charging,” he stated.

Nayax’s strategy in emerging markets combines technology with local support, allowing merchants to manage payments, operations and loyalty through a single platform.

“It reflects how Nayax approaches emerging markets: bringing accessible, easy to use cashless payment solutions to merchants in the unattended space, paired with fast local support in the merchant's own language and time zone, so a merchant can manage payments, operations, and loyalty from a single platform,” Tepper stated.

Payments shifting from transactions to platforms

Nayax said the future of payments will be shaped by three major trends: the rise of unattended commerce, the integration of payments and loyalty, and the growing demand for all-in-one business platforms.

“First, the point of sale keeps moving away from the staffed counter,” Tepper said.

“Vending, EV charging, parking, laundry, and kiosks are all becoming places where a full commercial transaction happens with no cashier involved, which turns the payment terminal into the merchant's storefront.”

The company expects loyalty features to increasingly become part of the payment experience itself.

“Second, payment and loyalty are becoming the same moment. The transaction itself can recognise the customer, apply a reward, and personalize what comes next, rather than living in a separate app or a punch card,” Tepper said.

The third shift is towards integrated platforms that combine payments, operations and customer engagement.

“Third, operators are moving from buying a terminal to expecting a platform. Acceptance, day to day operations, and customer engagement managed in one place, rather than stitched together from systems that do not talk to each other,” he said.

Beyond Europe

Beyond Europe, the company is targeting Asia and Latin America as key growth markets. During its fourth-quarter 2025 earnings call in March, CEO Yair Nechmad described Asia as "one of the largest untapped markets for automated self-service commerce globally", adding that Japan represents the company's biggest near-term opportunity after investments in Singapore, China and Japan.

Latin America is another strategic focus. In November 2025, chief strategy officer Aaron Greenberg called the region "one of the most significant growth opportunities in global payments", highlighting Mexico and Central America. Nayax's recent launch in Panama expands its presence alongside El Salvador, Costa Rica, the Dominican Republic, Mexico and Brazil.

Nayax provides commerce enablement, payment and loyalty solutions to businesses worldwide. As of March 31, the company operated 13 offices globally, employed around 1,250 people, maintained connections with more than 80 merchant acquirers and payment method integrations, and was recognised internationally as a payment facilitator.