Europe Online Payment Methods: Full Year 2014

Europe Online Payment Methods: Full Year 2014

Countries in Europe Show Diversity in Online Payment Methods Preference

Online and mobile payments worldwide are forecasted to top three trillion Euros in the next five years. Mobile payment is the growth leader, outpacing online and the total payments market, with further growth expected following the launches of varying mobile payment solutions, including Apple Pay. Fast and one-touch checkout is a trend on the global online and mobile payment market, with one-touch solutions released by Amazon, PayPal and Apple Pay. Another trend is large payment companies preparing to separate from their E-Commerce parent companies. EBay announced plans to spin off PayPal, while Alibaba revealed that it will let Alipay go public after Alibaba’s own IPO. The players that have intensified their efforts on the payments markets in 2014 are social networks and messengers, with Twitter, Facebook and Snapchat launching peer-to-peer payments.

The world’s third largest region by B2C E-Commerce sales shows wide diversity in terms of payment methods used in online shopping. While non-cash payment methods, especially credit cards, dominate in the Western sub-region, cash on delivery and various alternative methods are most used in Eastern European countries. Both sub-regions show potential for mobile payments growth.

Europe’s largest online market, the UK, was dominated by credit and debit cards in terms of payment methods in 2014, while a quarter of online shoppers dropped the purchasing process if their preferred payment method in not offered. In Germany, invoice remained the leading payment method, while PayPal increased its share. The payment method used the most by online shoppers in France was “Bank Card” at the beginning of 2014, followed by “Online Payment Service”.

In Russia, while cash remained the most used payment method in online shopping, half of Internet users already have experience with online payments and a significant share plans to do so more. In Hungary, Romania and Belarus, cash on delivery was likewise the most used method. However, there are also exemptions to this trend in Eastern Europe: in Turkey card payment dominated and grew rapidly in 2014.


1. Management Summary
2. Global Developments
Online and Mobile Payment Trends and News about Players, H2 2014
Online Payment Overview and Trends, H1 2014
Value of Digital Payments, in USD trillion, 2014e & 2019f
Value of B2C E-Commerce Payment Transactions, by Method, in USD billion, and in % CAGR, 2012 & 2017f
Number of B2C E-Commerce Payment Transactions, in billions, 2011 - 2015f
Number of Mobile Payment Transactions, by Bank and Non-Bank, in billions, 2011 - 2015f
Value of Mobile Payments, in USD billion, 2013 & 2014f
Mobile Wallet Market Value, in USD billion, 2012 & 2018f
Number of NFC Payment Users, in millions, 2014e & 2019f
Share of Consumers who Used Mobile Payment In-Store or in Online Shopping, by Selected Countries, 2014e
Breakdown of Mobile Wallet Usage and Attitude Among Users in Advanced Markets, in % of Respondents, 3 Months to March 2014
Major Concerns about Online Shopping, in % of Online Shoppers, May 2014
Reasons for Not Shopping Online, in % of Consumers who Do Not Shop Online, 2012 & 2013
Share of Consumers who Do Not Shop Online Because of Lack of Trust to Online Payment Methods, by Selected Countries, in %, 2013
Payment-Related Reasons for Not Shopping Online More Often, Compared to Other Reasons, in % of Online Shoppers Who Buy Online Less than Once a Month, by Selected Countries, September 2013
Payment Methods Perceived to be Safest, incl. Online, in % of Consumers, by Age Group, June 2014
3. Europe
3.1. Regional
Breakdown of Payment Methods Most Preferred in B2C E-Commerce, in % of Online Shoppers, by Selected Countries and Sub-Regions, 2013
Payment-Related Reasons for Not Shopping Online More Often, Compared to Other Reasons, in % of Online Shoppers Who Buy Less than Once a Month, by Selected Countries, September 2013
Share of Internet Users who are Concerned about Security of Online Payments in Online Banking and Online Shopping in the EU, by Country, June 2013 & March 2012
3.2. Western Europe
3.2.1. UK
Online and Mobile Payment Trends and News about Players, H2 2014
Online and Mobile Payment Trends and News about Players, H1 2014
Payment Methods Used in B2C E-Commerce, in % of Online Shoppers, 2014
Payment Methods Used in B2C E-Commerce, in % of Online Shoppers, by Gender, 2014
Popular Methods to Pay Online, in % of Consumers, August 2014
Major Reasons for Abandoning Online Shopping Cart, in % of Consumers who Abandoned Online Shopping Carts, August 2014
Online Card Payment Fraud, in GBP million, by Fraud Against UK-Based Online Retailers and Overseas-Based Online Retailers, 2012 & 2013e
Mobile Payments Conducted, by Type, in % of Internet Users, by Age Group, 12 Month to July 2014
Interest in Using Mobile Payments, in % of Internet Users Who Do Not Use Mobile Payments, by Age Group, July 2014
Number of Cards with Contactless Payment Functionality, in millions, December 2012, December 2013 & June 2014
Number of Bank-Owned Terminals with Contactless Payment Functionality, in thousands, December 2012, December 2013 & June 2014
Number and Value of Contactless Card Transactions, in GBP million and million transactions, by Debit and Credit/Charge Card, and in % Growth, June 2014
3.2.2. Germany
Online and Mobile Payment Trends and News about Players, H2 2014
Online and Mobile Payment Trends and News about Players, H1 2014
Breakdown of B2C E-Commerce Sales by Payment Methods, 2012 & 2013
Breakdown of Interactive Retail Sales* by Payment Methods, in EUR million and in %, 2012 & 2013
Breakdown of Payment Methods Used to Buy Digital Goods, in %, by Age Groups and Total, 2013
Top 3 Most Used Payment Methods in B2C E-Commerce, in % of Online Shoppers, Compared to Austria and Switzerland, 2013
Preferred Payment Methods in B2C E-Commerce, in % of Online Shoppers, 2013
Offered Payment Methods in B2C E-Commerce, in % of Online Shops, 2013
Most Secure Payment Methods in B2C E-Commerce, in % of Online Shoppers, 2013
Breakdown of the Importance of Factors in Online Shopping, Incl. Payment, in % of Online Shoppers, January 2014
Reasons for Abandoning Online Shopping Cart, in % of Internet Users, June 2014
Usage of Additional Charges for Selected Payment Methods, in % of Online Merchants, 2012 - 2014
Perception of Payment Method Costs, in % of Online Merchants Offering the Method, June 2014
Breakdown of Payment Method Processing, by Own Processing and Processing Through Payment Service Provider, in % of Online Merchants Offering the Method, June 2014
Usage of Payment Risk Check, by Payment Method and by External and Internal Risk Check, in % of Online Merchants, June 2014
Average Order Value, by Payment Method, in EUR, June 2014
Used Payment Methods in M-Commerce, in % of Mobile Shoppers, 2013
Most Important Factors in M-Commerce, incl. Mobile Payment Security, in % of Online Shoppers, 2013
Number of Mobile Payment Users, in thousands, 2014e & 2020f
Breakdown of Mobile Payment App Usage, by Current Usage and Potential Usage, in % of Internet Users, June 2014
Breakdown of NFC Payment Usage, by Current Usage and Potential Usage, in % of Internet Users, June 2014
3.2.3. France
Online and Mobile Payment Trends and News about Players, H2 2014
Payment Methods Most Used in B2C E-Commerce, in % of Online Shoppers, Q1 2014
Value of Card Fraud in Domestic E-Commerce Transactions, in EUR million, and Fraud Rate, in % of Transactions, 2009 – 2013
Share of 3D Secure Transactions on Total Online Card Payments, in %, April 2011 - April 2014
Number of Retail Stores with Contactless Payment Terminals, in thousands, and in % Penetration Rate, March 2014 - September 2014
Number of Cards with Contactless Payment Functionality, in millions, and in % Penetration Rate, March 2014 - September 2014
Share of Consumers Who Made Payments with Mobile Phone in Store, in %, September 2014
Interest in Making In-Store Payments with Mobile Phone in the Future, in % of Smartphone Owners Who Have Not Made Payments with Mobile Phone in Store, in %, September 2014
Places for Perspective Usage of Mobile Payments, in % Smartphone Users who Have not Made Mobile Payments in Store, September 2014
3.2.4. Spain
Breakdown of B2C E-Commerce Purchases, by Selected Payment Methods, in %, 2014e
Most Used Payment Methods in B2C E-Commerce, in % of Online Shoppers, 2012 & 2013
Payment Systems in B2C E-Commerce, in % of Online Merchants, February 2014
Reason for Abandoning Mobile Shopping Cart, in % of Mobile Shoppers, July 2014
Breakdown of Intention to Use Mobile Payments, in % of Consumers, July 2014
3.2.5. Italy
Breakdown of B2C E-Commerce Sales, by Payment Methods, in %, 2012 - 2014f
Value of B2C E-Commerce Payments, by Credit Card and Others, in EUR million, August 2013 - August 2014
Number of Cards and POS with Contactless Payment Functionality, in thousands, 2013
Breakdown of Attitude to Mobile Proximity Payment, in % of Mobile Internet Users, 2014e
Breakdown of Attitude to Mobile Wallet, in % of Mobile Internet Users, 2014e
•Breakdown of Most Trusted Providers of Mobile Wallet, in % of Mobile Internet Users who Are Interested in Using Mobile Wallets, 2014e
3.2.6. Netherlands
Breakdown of B2C E-Commerce Payments, by Payment Method, in %, H1 2014
Breakdown of B2C E-Commerce Payments by Method, by Shopping Channel, in %, H1 2014
Breakdown of B2C E-Commerce Transactions by Payment Methods, in %, 2012/2013
3.2.7. Belgium
Payment Methods Offered in B2C E-Commerce, in % of Online Merchants, 2012 & 2013
Payment Methods Offered in M-Commerce via Smartphones, in % of M-Commerce Merchants, 2013
3.2.8. Sweden
Breakdown of Preferred Payment Methods in B2C E-Commerce, in % of Online Shoppers, January 2014
Breakdown of the Preferred Payment Methods in B2C E-Commerce and M-Commerce, in %, Q3 2013
Breakdown of the Preferred Payment Methods in B2C E-Commerce, in % of Online Shoppers, Q3 2012 & Q4 2013
3.2.9. Denmark
Breakdown of Preferred Payment Methods in B2C E-Commerce, in % of Online Shoppers, January 2014
Breakdown of the Preferred Payment Methods in B2C E-Commerce and M-Commerce, in %, Q3 2013
Breakdown of the Last B2C E-Commerce Purchase by Payment Methods, in % of Online Shoppers, 2013
Breakdown of Credit/Debit Card Payment for the Last B2C E-Commerce Purchase, by Card Brands, in %, 2013
3.2.10. Finland
Breakdown of Preferred Payment Methods in B2C E-Commerce, in % of Online Shoppers, January 2014
Breakdown of the Preferred Payment Methods in B2C E-Commerce and M-Commerce, in %, Q3 2013
3.2.11. Norway
Breakdown of Preferred Payment Methods in B2C E-Commerce, in % of Online Shoppers, January 2014
Breakdown of the Preferred Payment Methods in B2C E-Commerce and M-Commerce, in %, Q3 2013
3.2.12. Switzerland
Used Payment Methods in M-Commerce, in % of Mobile Shoppers, 2013
Breakdown of Mobile Payment App Usage, by Current Usage and Potential Usage, in % of Internet Users, June 2014
Breakdown of NFC Payment Usage, by Current Usage and Potential Usage, in % of Internet Users, June 2014
3.2.13. Austria
Breakdown of Preferred Payment Methods in B2C E-Commerce, in % of Online Shoppers, 2006 & 2013
Used Payment Methods in M-Commerce, in % of Mobile Shoppers, 2013
Breakdown of Mobile Payment App Usage, by Current Usage and Potential Usage, in % of Internet Users, June 2014
Breakdown of NFC Payment Usage, by Current Usage and Potential Usage, in % of Internet Users, June 2014
3.3. Eastern Europe
3.3.1. Russia
Online and Mobile Payment Trends and News about Players, H2 2014
Online and Mobile Payment Trends and News about Players, H1 2014
Payment Methods Used in B2C E-Commerce, in % of Online Shoppers, 2013
Payment Methods Used in B2C E-Commerce, in % of Online Shoppers, by Gender and Location, 2013
Payment Methods Used in B2C E-Commerce, in % of Online Shoppers, 2010 – 2013
Breakdown of Usage of Online Payment, by Frequency, and Breakdown of Intention to Use Online Payment in the Future, in % of Internet Users, February 2014
Purposes of Using Online Payment, in % of Online Payment Users, 12 Months to February 2014
Knowledge and Usage of Non-Cash Payment Methods, incl. Online, in % of Internet Users in Large Cities, Ranked by Usage, April 2014
Knowledge and Usage of E-Wallet Services, incl. Online, in % of Internet Users in Large Cities, Ranked by Usage, April 2014
Share of Attempted Fraud Transactions in E-Commerce, by Sector, 2013
The Share of Actual Fraudulent Transactions on E-Commerce Payments with Cards, 2013
Breakdown of Online Fraud Losses, by Fraud Type, in % and in USD million, 2011 & 2012
Devices Used to Make Online Payment, in % of Online Payment Users, 12 Months to February 2014
Penetration of Users Paying Online via Mobile Devices, by Age Group and Gender, in % of Online Payment Users in the Relevant Group, 12 Months to February 2014
Penetration of Users Paying Online via Mobile Devices, by Household Income and City Size,
in % of Online Payment Users in the Relevant Group, 12 Months to February 2014
Purposes of Making Online Payments via Mobile Devices, by Rank, 12 Months to February 2014
3.3.2. Turkey
Breakdown of Most Used Payment Methods in B2C E-Commerce, in % of Online Shoppers, 2012
Number and Value of Domestic E-Commerce Transactions with Cards, in millions and in TRY billion, Q1 2012 - Q3 2014
Number and Value of Cross-Border E-Commerce Transactions with Cards, in millions and in TRY million, Q1 2012 - Q3 2014
Major Payment Methods Used in B2C E-Commerce, by Rank, 2014e
3.3.3. Poland
Breakdown of Payment Methods Most Used in B2C E-Commerce, in % of Online Shoppers, March 2014
3.3.4. Greece
Payment Methods Most Offered in B2C E-Commerce, in % of Online Shops, H1 2014
3.3.5. Czech Republic
Payment Methods Used in B2C E-Commerce, in % of Online Shoppers, by Gender and Age Group, Q2 2013
Payment Methods Used in B2C E-Commerce, in % of Online Shoppers, 2013
Breakdown of Online Bank Card Payments, by E-Commerce Categories, in %, by Transaction Value and Volume, 2013
3.3.6. Hungary
Payment Methods Preferred in B2C E-Commerce, in % of Online Shoppers, May 2014
Value and Number of Online Payment Transactions with Cards, in HUF million and in million Transactions, by Cards Issued in the Country and Outside the Country, H1 2010 - H1 2014
Value and Number of Contactless Payment Transactions with Cards, in HUF million and in million Transactions, by Cards Issued in the Country and Outside the Country, H1 2012 - H1 2014
3.3.7. Romania
Breakdown of Payment Methods Used in B2C E-Commerce, in %, 2013
Number of Online Credit Card Payments for Products and Services, in millions, 2012 & 2013
3.3.8. Belarus
Payment Methods Most Used in B2C E-Commerce, in % of Online Shoppers, March 2014
3.3.9. Slovenia
Payment Methods Used in B2C E-Commerce, in % of Online Shoppers, 12 Months to March 2014
3.3.10. Estonia
Value and Number of Domestic B2C E-Commerce Card Transactions, by Debit and Credit Cards and Total, in EUR million and in thousands, Q1 2013 - Q3 2014
Value and Number of Cross-Border B2C E-Commerce Card Transactions, by Debit and Credit Cards and Total, in EUR million and in thousands, Q1 2013 - Q3 2014

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