Kordiva vs Shopify,
WooCommerce and local banks
Compare payment options, fiscal workflows, approval requirements and integration costs before choosing how to sell online in North Macedonia.
Plan your setup
Choose with the full picture.
Compare the software, payment setup and ongoing work your team will need.
A connected platform for local operations
Kordiva brings storefronts, catalog, checkout and order operations together. Supported Business setups also have their own fiscal workflows; these are separate from the Individual MoR model.
Budget for approval and maintenance
Payment approval is separate from implementation. Confirm setup work, provider agreements, fiscal integrations and ongoing maintenance before comparing total costs.
Read the comparison as an indicative snapshot
These figures are indicative, not current provider offers or guaranteed availability. Provider terms can change; request current written offers. Kordiva's combined card-fee examples use base US Stripe processing, not a universal quote. Monthly subscriptions, FX, bank costs and other adjustments are separate.
Comparison data
Platform comparison
Software, payments and operational fit
| Option | MK bank payments | UJP fiscalization / e-invoice | Approval dependency | Integration effort | Total cost risk | Best for |
|---|---|---|---|---|---|---|
| Kordiva | Yes, focused on the MK market | Yes, built-in UJP fiscalization/e-invoice workflow | Yes, but with a local operating model designed for this process | Low to medium (ready platform + configuration) | Lower risk than custom development | MK merchants who want faster go-live with local compliance readiness |
| Shopify | For MK merchants, no direct native setup for MK card gateways (usually external/custom) | Not native (separate integration required) | Yes, plus dependency on additional providers | Medium to high | Medium to high (apps + custom + maintenance) | Global use-cases without strong MK regulatory focus |
| WooCommerce | For MK merchants, no native plug-and-play setup for MK card gateways (plugins/custom) | Not native (custom module required) | Yes, directly with bank + technical vendor | High (plugin stack + custom dev) | High (development, testing, maintenance) | Teams with internal dev capacity and timeline |
| Local bank-only integration | Yes, if you get approved | No, separate implementation required in website/ERP/software | Very high (approval may or may not be granted) | High (gateway + UJP + operations) | Very high (thousands of euros) | Organizations with budget for custom projects |
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Comparison data
Detailed local bank snapshot
Payment and commercial setup at a glance
| Bank / platform | Processor | Gateway | Setup cost | Monthly fee | Transaction fee | Mobile apps / methods |
|---|---|---|---|---|---|---|
| Kordiva Platform | Integrated payment workflow inside the platform | Built-in ecommerce checkout for MK merchants | No separate custom project to start (choose a plan) | Plans: Basic $5 (1 store), Professional $49 (up to 5 stores), Enterprise $99 (unlimited stores) - monthly | Total by plan: Basic 4.9% + 0.30 | Professional 4.4% + 0.30 | Enterprise 3.9% + 0.30 | Cards + Apple Pay + Google Pay + Stripe-supported methods (regional); plus full ecommerce software for MK |
| Комерцијална Банка | Casys | cPay (Casys) | Depends on agreement (0 - 500 MKD + VAT) | Up to 500 MKD + VAT / month | Up to 2.4% | App Store, Google Play, AppGallery |
| НЛБ Банка | Bankart | IXOPAY | Depends on agreement | Depends on agreement | 2% - 3% | App Store, Google Play, AppGallery |
| Стопанска Банка Скопје | Casys | cPay (Casys) | Yes, one-time 3,100 MKD | Yes | 1.95% - 2.45% | Google Play, AppGallery |
| Уни Банка | Casys | cPay (Casys) | Yes, one-time 1,200 MKD | Yes, from 600 MKD / month | 2.2% - 2.6% | App Store, Google Play |
| Халк Банка | In-house | Payten (Asseco) | No | Yes (monthly/annual) | 2.5% - 6% | App Store, Google Play, AppGallery |
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