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Italy Cards and Payments: Opportunities and Risks to 2029

Publisher GlobalData
Published Oct 06, 2025
Length 98 Pages
SKU # GBDT20528964

Description

Italy Cards and Payments: Opportunities and Risks to 2029

Summary

GlobalData’s ‘Italy Cards and Payments: Opportunities and Risks to 2029' report provides detailed analysis of market trends in the Italian 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 ‘Italy Cards and Payments: Opportunities and Risks to 2029' report provides top-level market analysis, information and insights into the Italian cards and payments industry, including -
  • Current and forecast values for each market in the Italian 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 Italian 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 Italian cards and payments industry.
Key Highlights
  • Contactless payments are increasingly being used for public transport. For instance, in July 2025, the provider of mobility services and solutions Conduent Transportation launched a contactless payment system for Gestione Governativa Navigazione Laghi; a government agency operating boats on Lakes Maggiore, Garda, and Como in Italy. This system allows passengers to make tap-to-pay payments using contactless cards and digital wallets. On similar note, in May 2024, Rome’s transportation system launched contactless payment services for JCB card holders on its public transportation system. This service offers open-loop transit through partnership between Nexi and JCB. This enables commuters in Rome to make contactless card transactions.
  • Nexi is the leading acquirer in Italy. It offers a range of POS terminals, including SmartPOS, SmartPOS - Mini, Mini with printer, and Cashier+ physical POS terminals, as well as SoftPOS, mobile POS, and Cordless POS + mobile POS terminals. To strengthen its presence, in July 2025, Nexi renewed its agreement with Credit Agricole Italia until 2029. This partnership allows Credit Agricole customers to make payments at Nexi POS terminals. As of July 2025, Nexi had over 100,000 POS terminals in Italy. On similar note, in June 2025, Banca Agricola Popolare di Sicilia ScpA (BAPS) partnered with Nexi to offer payment services to BAPS customers.
  • The Italian Government is prioritizing financial literacy. The International Survey of Adult Financial Literacy, conducted by the Organization for Economic Co-operation and Development (OECD), indicates that Italy's financial literacy rate is comparatively low among European countries in 2024. To tackle this issue, the Central Bank of Italy, Banca d'Italia, initiated the Financial Education in Schools program in October 2024 which targets students aged from 17 to 19. The objective of the initiative is to promote responsible financial behavior and enhance financial literacy, especially among the youth. These endeavors are expected to boost the number of individuals with bank accounts.
Scope
  • Card market size in terms of number of cards, value and volume of transactions in Italy along 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 Italian cards and payments industry and each market within it.
  • Understand the key market trends and growth opportunities in the Italian cards and payments industry.
  • Assess the competitive dynamics in the Italian cards and payments industry.
  • Gain insights into marketing strategies used for various card types in Italy.
  • Gain insights into key regulations governing the Italian cards and payments industry.

Table of Contents

98 Pages
1. Executive Summary
2. Market Overview
3. Payment Instruments
4. Card-Based Payments
5. Card Payments Acquiring
6. Ecommerce Payments
7. In-Store Payments
8. Buy Now Pay Later
9. Digital Wallet Payments
10. P2P Payments
11. Bill Payments
12. Alternative Payments
13. Payment Innovations
14. Job Analysis
15. Payment Infrastructure and Regulation
16. Appendix
List of Tables
Key facts, 2025
Benchmarking of payment cards, 2025
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 ($), 2021-25e
Credit cards in circulation (units), 2021-29f
Credit card transaction volumes, 2021-29f
Credit card transaction values (LCU), 2021-29f
Credit card transaction values ($), 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
Merchant acquiring transaction volumes (units),2021-29f
Merchant acquiring transaction values (LCU),2021-29f
Merchant acquiring transaction values ($), 2021-29f
Acquirers’ transaction volumes (units), 2021-25e
Acquirers’ transaction values (LCU), 2021-25e
Acquirers’ transaction values ($), 2021-25e
Retail outlets and card-accepting merchants (units), 2021-29f
Debit card average interchange fees (%), 2021-25e
Credit and charge card average interchange fees (%), 2021-25e
Debit card merchant service charge and interchange fee (%), 2021-29fs
Credit and charge card merchant service charge and interchange fee (%), 2021-29f
Retail market by product categories (LCU), 2021-29f
Retail market by product categories ($), 2021-29f
Retail market by service categories (LCU), 2018-22
Retail market by service categories ($), 2018-22
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

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