EUROPE ONLINE PAYMENT METHODS:

SECOND HALF 2014

November 2014

Europe Online Payment Methods: Second Half 2014

General Information
Product Details
Language:

English

Format:

PDF & Power Point

Number of Pages/Charts:

103

Covered Countries/Regions:

Western Europe, Eastern Europe, UK, Germany, France, Spain, Italy,

Netherlands, Sweden, Denmark, Finland, Norway, Switzerland, Austria,
Russia, Turkey, Poland, Greece, Czech Republic, Hungary, Romania,
Belarus, Slovenia, Estonia

Prices
Single User License:

1,450 (excl. VAT)

Site License:

2,900 (excl. VAT)

Global Site License:

4,350 (excl. VAT)

Questions Answered in This Report

What are the major online and mobile payment trends in the third largest B2C E-Commerce market
worldwide?

How do preferences for payment methods differ between online shoppers in Western and Eastern
Europe?

What are the most used payment methods in B2C E-Commerce in various countries in Europe?

How are mobile and contactless payments developing in leading countries of this region?

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Europe Online Payment Methods: Second Half 2014

Key Findings
Diversity in Online Payment Methods in Europe
The worlds 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
Europes 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. Moreover, over one fourth of Internet users in the UK are interested in
using mobile payments, with the mobile payment offerings growing rapidly in H2 2014: Vodafone
launched SmartPass in cooperation with Visa, while the joint mobile effort of banks, Paym solution, signed
up 500,000 users in the first month after its launch.
In Germany, PayPal and express checkout methods were gaining a larger share of B2C E-Commerce
payments in H2 2014, and Amazon offered Login and Pay method. Invoice remained the leading
payment method in German B2C E-Commerce sales, while PayPal increased its share. Mobile payments in
Germany are forecasted to grow rapidly in the next several years in Germany to near one billion Euros in
the next five years.
The payment method used the most by online shoppers in France was Bank Card at the beginning of
2014, followed by Online Payment Service. The ecosystem for mobile payments is developing rapidly,
while adoption by consumers is still to take off. In many other Western European markets, including Italy
and Spain, credit card remained the dominant method. However, several countries have own specifics: in
the Netherlands, for example, local banking method iDEAL accounts for more than half of all online
purchases and in Sweden payment against invoice is used more than credit card in B2C E-Commerce.
In Russia, cash remained the most used payment method in online shopping, while alternative payments
showed dynamism in H2 2014: payments made through online banking grew, PayPal started accepting
cash payments through stores, terminal payments and E-Wallet company Qiwi held SPO raising EUR 60
million and another popular wallet Yandex.Money cooperated with Alibabas Aliexpress. While Cash on
Delivery remained the most used payment method, half of Internet users already have experience with
online payments and a significant share plans to do so more.
In some other Eastern European markets, including Hungary, Romania and Belarus, cash on delivery is
the most used method. However, there are also exemptions to this trend: in Turkey card payment
dominates and grew rapidly in the first three quarters of 2014.

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Europe Online Payment Methods: Second Half 2014

Table of Contents (1 of 7)
1. MANAGEMENT SUMMARY

2. GLOBAL DEVELOPMENTS

Value of Digital Payments, in trillion, 2014e & 2019f

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

3. WESTERN EUROPE

3.1. UK

Online and Mobile Payment Trends and News about Players, H2 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
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

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Europe Online Payment Methods: Second Half 2014

Table of Contents (2 of 7)
3. WESTERN EUROPE (cont.)

3.2. GERMANY

Online and Mobile Payment Trends and News about Players, H2 2014
Breakdown of B2C E-Commerce Sales by Payment Methods, 2012 & 2013
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
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

3.3. 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

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Europe Online Payment Methods: Second Half 2014

Table of Contents (3 of 7)
3. WESTERN EUROPE (cont.)

3.4. SPAIN
Breakdown of B2C E-Commerce Purchases, by Selected Payment Methods, in %, 2014e
Reason for Abandoning Mobile Shopping Cart, in % of Mobile Shoppers, July 2014
Breakdown of Intention to Use Mobile Payments, in % of Consumers, July 2014

3.5. 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

3.6. 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

3.7. SWEDEN
Breakdown of Preferred Payment Methods in B2C E-Commerce, in % of Online Shoppers, January
2014

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Europe Online Payment Methods: Second Half 2014

Table of Contents (4 of 7)
3. WESTERN EUROPE (cont.)

3.8. DENMARK
Breakdown of Preferred Payment Methods in B2C E-Commerce, in % of Online Shoppers, January
2014

3.9. FINLAND
Breakdown of Preferred Payment Methods in B2C E-Commerce, in % of Online Shoppers, January
2014

3.10. NORWAY
Breakdown of Preferred Payment Methods in B2C E-Commerce, in % of Online Shoppers, January
2014

3.11. SWITZERLAND
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

3.12. AUSTRIA
Breakdown of Preferred Payment Methods in B2C E-Commerce, in % of Online Shoppers, 2006 & 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

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Europe Online Payment Methods: Second Half 2014

Table of Contents (5 of 7)
4. EASTERN EUROPE

4.1. RUSSIA

Online and Mobile Payment Trends and News about Players, H2 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
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

4.2. TURKEY
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

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Europe Online Payment Methods: Second Half 2014

Table of Contents (6 of 7)
4. EASTERN EUROPE (cont.)

4.3. POLAND
Breakdown of Payment Methods Most Used in B2C E-Commerce, in % of Online Shoppers, March 2014

4.4. GREECE
Payment Methods Most Offered in B2C E-Commerce, in % of Online Shops, H1 2014

4.5. CZECH REPUBLIC

Breakdown of Online Bank Card Payments, by E-Commerce Categories, in %, by Transaction Value
and Volume, 2013

4.6. 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

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Europe Online Payment Methods: Second Half 2014

Table of Contents (7 of 7)
4. EASTERN EUROPE (cont.)

4.7. 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

4.8. BELARUS
Payment Methods Most Used in B2C E-Commerce, in % of Online Shoppers, March 2014

4.9. SLOVENIA
Payment Methods Used in B2C E-Commerce, in % of Online Shoppers, 12 Months to March 2014

4.10. 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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Europe Online Payment Methods: Second Half 2014

Samples

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Europe Online Payment Methods: Second Half 2014

Methodology
General Methodology of our Market Reports:

This report includes the results of secondary market research: By using various sources we ensure maximum
objectivity for all obtained data. As a result companies get a precise and unbiased impression of the market
situation.

Cross referencing of data was conducted in order to ensure validity and reliability.

This report contains a Management Summary, summarizing the main information provided in each chapter.

Besides providing information on the specific topic, every chart contains an Action Title, which summarizes the
main statement of the chart and a Sub Title, which gives information about the country, the topic, the unit or
currency, and the time period the data on the chart refers to.

Furthermore, the source of information and its release date are provided on every chart. It is possible that the
information included in one chart is derived from several sources. Then, all sources are mentioned on the chart.

This report also includes rankings. Within these rankings, it is possible that the total amount adds up to more
than 100%. If this is the case, multiple answers were possible, and this is then mentioned in the note of the
chart.

If available, additional information about the data collection, for example the time of survey and number of
people asked, is provided in the form of a note. In some cases, the note (also) contains additional information
needed to fully understand the contents of the respective data.

When providing information about amounts of money, local currencies were mostly used. When referencing them
in the Action Title, the EUR values are also provided in brackets. The conversions are always made using the
average currency exchange rate for the respective time period. Should the currency figure be in the future, the
average exchange rate of the past 12 months is used.

Methodology for our Europe Online Payment: Second Half report:

This report covers the European online payment market. It takes into account a wide definition of online
payment, including payment methods used in B2C E-Commerce and mobile payment.

All major European countries are covered, while data availability varied across the markets.

Countries are grouped by two sub-regions: Western and Eastern Europe. Within the sub-regions, the countries
are presented in the descending order of B2C E-Commerce sales.

Besides country data, global data is also included.

Cross referencing of data was conducted in order to ensure validity and reliability.

Depending on data availability, the following types of market information are included: the most used payment
methods in B2C E-Commerce, number and volume of online and mobile payment transactions, information about
online and mobile payment users and about E-Commerce payment fraud. Not all the mentioned types of
information are available for each of the covered countries. For the leading country or countries in each subregion, also online and mobile payment trends and news about major players, such as payment providers, banks
and retailers are presented.

The report includes recent data, mostly published within the previous 6 months. The exact date of publication of
the source is stated on each chart. The time period which the data refers to differs by source.

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Europe Online Payment Methods: Second Half 2014

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Europe Online Payment Methods: Second Half 2014

Quotes of our Customers
Travis Witteveen
Chief Operating Officer Markets and Operations
Avira GmbH: Leading European Software Company

Steve Rotter
Vice President of Marketing
Brightcove, Inc.: Leading Online Video Company

As a company that operates on a global level, the

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Selected References
Internet, Consulting, Retail, Finance and Other Companies
Internet

Consulting

Finance

Google

Boston Consulting Group

Goldman Sachs

Amazon

Deloitte

Credit Suisse

eBay

Bain & Company

Avira

Accenture

Morgan Stanley

Skype

Digital River

First Data

Citrix Online

Wirecard

Retail

Other

1&1

OTTO Group

Red Bull

Skrill / Moneybookers

Costco

BASF

Deutsche Telekom

Tchibo Direct

Lego

CyberSource

Diesel

Beiersdorf

bwin Interactive Entertainment

Xerox

Brightcove

Bank of America Merrill Lynch

Citigroup
Oppenheimer & Co.

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Europe Online Payment Methods: Second Half 2014

Selected Published Reports
Report

Publication Date

Price (excl. VAT)*

Asia-Pacific Online Payment Methods: Second Half 2014

November 2014

950

Fraud in Global B2C E-Commerce & Online Payment 2014

October 2014

950

Eastern Europe B2C E-Commerce Market 2014

October 2014

2,950

The Worlds Leading B2C E-Commerce Companies 2014

October 2014

450

Russia B2C E-Commerce Market 2014

October 2014

950

Global B2C E-Commerce Market 2014

October 2014

6,450

Global B2C E-Commerce & Online Payment Market 2014

October 2014

7,450

Global Luxury B2C E-Commerce Snapshot 2014

August 2014

Asia-Pacific B2C E-Commerce Market 2014

August 2014

5,450

South East Asia B2C E-Commerce Market 2014

July 2014

3,450

India B2C E-Commerce Market 2014

July 2014

950

Malaysia B2C E-Commerce Market 2014

July 2014

950

China B2C E-Commerce Market 2014

June 2014

1,450

Indonesia B2C E-Commerce Market 2014

June 2014

950

Vietnam B2C E-Commerce Market 2014

June 2014

950

Global Online Payment Methods: First Half 2014

May 2014

3,450

Europe Online Payment Methods: First Half 2014

May 2014

2,450

Global B2C E-Commerce Delivery 2014

May 2014

3,950

Europe B2C E-Commerce Delivery 2014

May 2014

2,450

Global Cross-Border B2C E-Commerce 2014

April 2014

3,450

Europe Cross-Border B2C E-Commerce 2014

April 2014

2,450

Global Clothing B2C E-Commerce Report 2013

July 2013

3,950

Europe Clothing B2C E-Commerce Report 2013

July 2013

2,450

Europe M-Commerce Snapshot 2014

April 2014

1,950

Global M-Commerce 2014: Smartphones & Tablets

March 2014

3,450

Africa B2C E-Commerce Report 2013

December 2013

2,450

Europe B2C E-Commerce Report 2013

September 2013

3,950

950

*Single User License

Future Reports
Report

Planned Date

Price (excl. VAT)

Brazil B2C E-Commerce Market 2014

December 2014

To be announced

Latin America B2C E-Commerce Market 2014

December 2014

To be announced
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Europe Online Payment Methods: Second Half 2014

Report Order Form

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Europe Online Payment Methods: Second Half 2014

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