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Local payment methods in Europe

Learn about the payments landscape in the Europe region.

Austria

Austria

Austria's e-commerce market is valued at €9.1bn, with online banking and open invoices popular ways to pay.

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Baltics (Latvia, Lithuania, Estonia)

Baltics (Latvia, Lithuania, Estonia)

Cards, banks transfers and wallets are the most widely used payment methods in the Baltics.

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Belgium

Belgium

1.6bn payments were made with Bancontact, Belgium's local payment method, in 2019.

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Croatia

Croatia

There are around two cards per capita in Croatia, one of the highest in Central and Eastern Europe.

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Cyprus

Cyprus

In Cyprus, cards and cash are the most popular ways to pay.

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Czech republic

Czech republic

A large proportion of Czechs (36%) like to pay for ecommerce goods with cash.

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Denmark

Denmark

Denmark's payment mix is dominated by cards, with local scheme Dankort, often co-branded with Visa.

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Finland

Finland

Finland is a market leader in online and mobile banking.

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France

France

Cartes Bancaires is a dominant payment method in France. A local scheme, most cards are co-branded with Visa or Mastercard.

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Germany

Germany

girocard is one of Germany's most popular payment methods with over 100 million cards in circulation.

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Gibraltar

Gibraltar

UK debit cards and all major credit cards are popular in Gibraltar.

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Greece

Greece

The most popular credit and debit cards in Greece are Mastercard and Visa.

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Hungary

Hungary

Hungary is working to limit the amount of cash in circulation with its AFR payment system.

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Iceland

Iceland

Card payments are very popular in Iceland.

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Ireland

Ireland

Payments in Ireland are dominated by cards. The average shopper holds 1-2 cards.

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Italy

Italy

Card payments are Italians' preferred way to shop. Mastercard, Visa and Maestro/Bancontact are most common.

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Liechtenstein

Liechtenstein

Cards and cash are the most common payment methods in Liechtenstein.

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Luxembourg

Luxembourg

Cards are the most popular payment method in Luxembourg.

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Malta

Malta

Cards and cash are the most frequently used payment methods in Malta.

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Netherlands

Netherlands

The Netherlands is one of Europe's cashless leaders

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Norway

Norway

Norway is a leader in card usage and mobile payments are on the rise.

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Poland

Poland

Poland's ecommerce market is one of the fastest-growing in Europe, with a 30% increase in 2020.

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Portugal

Portugal

The most popular payment method in Portugal is local debit card Multibanco, a post-pay option.

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Romania

Romania

Romania is one of the biggest e-commerce markets in Central and Eastern Europe.

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Slovakia

Slovakia

Slovakia is a hub of cross border commerce due to it's location in the heart of Central Europe

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Slovenia

Slovenia

Cash on delivery and cards are preferred in Slovenia.

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Spain

Spain

Spanish shoppers like to pay with a mix of cash and card. 85% hold a debit or credit card.

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Sweden

Sweden

Open invoice payments are big business in Sweden, and hold a market share of over 50% for ecommerce transactions.

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Switzerland

Switzerland

The average Swiss holds three debit or credit cards.

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Turkey

Turkey

80% of ecommerce transactions in Turkey are made with credit cards.

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Ukraine

Ukraine

Cards and digital wallets are popular in Ukraine.

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United Kingdom

United Kingdom

The UK is a country of card lovers, with 90% using this payment method for e-commerce payments.

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