Report cover image

Austria Cards and Payments: Opportunities and Risks to 2029

Publisher GlobalData
Published Sep 17, 2025
Length 66 Pages
SKU # GBDT20476945

Description

Austria Cards and Payments: Opportunities and Risks to 2029

Summary

GlobalData’s ‘Austria Cards and Payments: Opportunities and Risks to 2029' report provides detailed analysis of market trends in the Austrian cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including cash, card, credit transfer, direct debits, and cheques during the review-period (2021-25e).

The report also analyzes various payment card markets operating in the industry and provides detailed information on the number of cards in circulation, transaction values and volumes during the review-period and over the forecast-period (2025e-29f). It also offers information on the country's competitive landscape, including market shares of issuers and schemes.

The report brings together GlobalData’s research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers detailed regulatory policies and recent changes in regulatory structure.

GlobalData’s ‘Austria Cards and Payments: Opportunities and Risks to 2029' report provides top-level market analysis, information and insights into the Austrian cards and payments industry, including -
  • Current and forecast values for each market in the Austrian cards and payments industry, including debit, credit and charge cards.
  • Detailed insights into payment instruments including cash, card, credit transfer, direct debits, and cheques. It also, includes an overview of the country's key alternative payment instruments.
  • Ecommerce market analysis.
  • Analysis of various market drivers and regulations governing the Austrian cards and payments industry.
  • Detailed analysis of strategies adopted by banks and other institutions to market debit, credit and charge cards.
  • Comprehensive analysis of consumer attitudes and buying preferences for cards.
  • The competitive landscape of the Austrian cards and payments industry.
Key Highlights
  • Open banking is gradually gaining traction in Austria, but widespread adoption remains limited. Various factors—such as limited consumer awareness, complex regulations, technical hurdles, and a lack of compelling use cases—hinder its widespread adoption. However, fintechs and payment services providers are taking steps to accelerate the adoption of open banking. In November 2024, Unzer partnered with Mastercard to enhance its payments through open banking accounts in Austria, Germany, and Denmark. Through this partnership, Unzer and Mastercard aim to create a unified digital payment ecosystem, enabling consumers to make payments directly from their bank accounts using Mastercard Open Banking solutions.
  • Technological innovations are driving the advancement and adoption of cost-effective terminals, especially among small- and medium-sized enterprises (SMEs). Mobile POS and SoftPOS solutions transform smartphones into contactless POS terminals, eliminating the need for merchants to invest in expensive POS devices. In October 2023, payment provider PAYONE introduced its Tap on Mobile solution, enabling merchants to accept contactless payments directly through Android devices. Following suit, Apple launched Tap to Pay on iPhone in October 2024. Such innovations are set to revolutionize Austria’s payments landscape, offering greater flexibility and convenience for both businesses and consumers.
  • The rising adoption of buy now pay later (BNPL) represents a threat to credit card usage, as such solutions enable customers to make payments without accruing interest. For example, Klarna offers users both immediate and pay-later options for ecommerce purchases, allowing customers to make payments within 30 days of receiving their items. It also provides an option enabling users to pay for purchases in three interest-free installments. Klarna has partnered with ecommerce platforms eBay (in January 2025) and Zalando (in December 2024) to launch Pay in 3 in five European markets (including Austria).
Scope
  • Card market size in terms of number of cards, value and volume of transactions in Austriaalong with detailed card segmentation of debit, credit and charge cards available in the country.
  • Market sizing and analysis of major payment instruments including cash, card, credit transfer, direct debits, and cheques.
  • Payment market trends and growth for both historical and forecast period
  • Competitor analysis with detailed insights into leading card issuers and schemes.
  • Comprehensive analysis of consumer attitudes and buying preferences for cards.
  • A detailed snapshot of country's key alternative payment brands.
Reasons to Buy
  • Make strategic business decisions, using top-level historic and forecast market data, related to the Austrian cards and payments industry and each market within it.
  • Understand the key market trends and growth opportunities in the Austrian cards and payments industry.
  • Assess the competitive dynamics in the Austrian cards and payments industry.
  • Gain insights into marketing strategies used for various card types in Austria.
  • Gain insights into key regulations governing the Austrian cards and payments industry.

Table of Contents

66 Pages
1. Executive Summary
2. Market Overview
3. Payment Instruments
4. Card-Based Payments
5. Ecommerce Payments
6. Alternative Payments
7. Payment Innovation
8. Job Analysis
9. Payment Infrastructure and Regulation
10. Appendix
List of Tables
Key facts, 2024
Benchmarking of payment cards, 2024
Payment instrument transaction values (LCU), 2021-29f
Payment instrument transaction values ($), 2021-29f
Payment instrument transaction volumes (units), 2021-29f
Payment cards in circulation by type (units), 2021-29f
Volume of payment card transactions (units), 2021-29f
Value of payment card transactions (LCU), 2021-29f
Value of payment card transactions ($), 2021-29f
Debit cards in circulation (units), 2021-29f
Debit card transaction volumes, 2021-29f
Debit card transaction values (LCU), 2021-29f
Debit card transaction values ($), 2021-29f
Debit cards in circulation by scheme (units), 2021-25e
Debit card transaction values by scheme (LCU), 2021-25e
Debit card transaction values by scheme ($), 2021-25e
Debit cards in circulation by issuer (units), 2021-25e
Debit cards transaction value by issuer (LCU), 2021-25e
Debit cards transaction value by issuer ($), 2021-25e
Credit and charge cards in circulation (units), 2021-29f
Credit and charge card transaction volumes, 2021-29f
Credit and charge card transaction values (LCU), 2021-29f
Credit and charge card transaction values ($), 2021-29f
Credit and charge cards in circulation by scheme (units), 2021-25e
Credit and charge card transaction values by scheme (LCU), 2020-24e
Credit and charge card transaction values by scheme ($), 2021-25e
Credit and charge cards in circulation by issuer (units), 2021-25e
Credit and charge cards transaction value by issuer (LCU), 2021-25e
Credit and charge cards transaction value by issuer ($), 2021-25e
Credit cards in circulation (units), 2021-29f
Credit card transaction volumes, 2021-29f
Credit card transaction values (LCU), 2021-29f
Credit card transaction values ($), 2021-29f
Credit cards in circulation by scheme (units), 2021-25e
Credit card transaction values by scheme (LCU), 2021-25e
Credit card transaction values by scheme ($), 2021-25e
Credit cards in circulation by issuer (units), 2021-25e
Credit cards transaction value by issuer (LCU), 2021-25e
Credit cards transaction value by issuer ($), 2021-25e
Charge cards in circulation (units), 2020-29f
Charge card transaction volumes, 2020-29f
Charge card transaction values (LCU), 2020-29f
Charge card transaction values ($), 2020-29f
Charge cards in circulation by scheme (units), 2021-25e
Charge card transaction values by scheme (units), 2021-25e
Charge card transaction values by scheme ($), 2021-25e
List of Figures
Inflation rate
GDP growth rate
Payment instruments transaction value and volume
Instant payments transaction value and volume
Card penetration
Card payments by value
Debit card frequency of payments and average transaction value
Debit card schemes transaction value and volume
Debit card issuers by number of cards and transaction value
Credit card frequency of payments and average transaction value
Credit card schemes transaction value and volume
Credit card issuers by number of cards and transaction value
Credit card debt
Prepaid Cards: Market Sizing and Forecasting
Contactless card holding and usage in detail
E-commerce transaction value and ecommerce breakdown by mobile vs. desktop/laptop
Ecommerce market by product and services
Ecommerce market by paymnet tools
Factors driving in-store payments and In-store transaction value by payment method
In-store transaction value by products and services
BNPL service used in the last six months and Preferred BNPL brand/tool for in-store payments
BNPL online transaction value and transaction volume
BNPL share of overall ecommerce transaction value and preferred BNPL brand/tool for online payments
Mobile wallet holding and use by demographic
Mobile wallet funding methods, mobile wallet preference by product/service and mobile wallet ownership by brand
Domestic and international P2P money transfers
Paymnet tool preference for bill payment and bill paymnet frequency
Active jobs intensity in the country
Number of POS terminals and ATMs

Search Inside Report

Pricing

Currency Rates
How Do Licenses Work?

How Do Licenses Work?

The primary function of a report license is to define how many people within a company are authorized to use the purchased report. This is separate to how a report might be delivered. Unless specifically identified otherwise, the purchase option is Single User. Below is a helpful description of that license, along with a sampling of others most commonly offered.

  • This license allows only one user to have access to and to use/read the report. It is not one user at a time or one user group; it is an individual who will be reading and utilizing the report.

  • This license allows for the entire purchasing company to read and use the report. This is the license level that would allow for a report to be placed on an internal company shared drive for access by all employees of that direct company. This license does not extend to parent or sister company use.

  • This license is designed to allow an entire department within a company full access to a report. The departmental license is a great option for companies that have more than one location and the department is spread out all over the country/world

  • This license is for companies that have one location where they want the report to be accessible by all employees within that physical location.

  • This is the most flexible of the licensing options. Some publishers will allow you to get a license for a preset number of people (typically 5). These licenses are ideal for small work groups.

License options are at the discretion of each publisher. As such, not all licenses indicated above are available for every product. If you are uncertain of the best license for your needs or would like a license that is not proactively available, please contact us and we will be happy to assist.

Request A Sample
Head shot

Questions or Comments?

Our team has the ability to search within reports to verify it suits your needs. We can also help maximize your budget by finding sections of reports you can purchase.
Chat Now
Contact Us