Online payments Europe

Online payment methods in Europe

Every country has its own way of paying online. Of course, credit cards and PayPal are popular payment methods in many parts around the world. But do you know which online payment method Germans prefer? Or what’s more popular than credit cards and direct debit in the Netherlands? This infographic shows you.

The infographic was made by Expert Market, a B2B Marketplace which helps companies find the best suppliers. It shows the breakdown on how different countries pay for goods and services online.  The different online payment methods of 29 countries around the world are displayed in this infographic that consists of various maps. The data has been compiled by payment company Adyen.

“Online businesses looking to enter different ecommerce markets around the world will find it beneficial to have the capabilities to support as many of the relevant payment methods as possible”, says Expert Market. “The ability to make the transaction process as easiest as possible for customers can help optimize revenues online.”

The world map shows how the world looks dominated by Visa/Mastercard and credit or debit cards. These are of course popular payment methods.

Online payments in the world

But when we look at the map of Europe, it becomes clear there’s much more diversity than you might think initially. In Europe, credit cards are still popular. For example, in Italy Visa or Mastercard are the preferred online payment method with 83%, much more than PayPal (13%) or American Express (4%). In Spain these cards are even more popular, as 91% prefer paying with Visa or Mastercard. But in Poland, the dominance of credit cards is much lower, as it’s the preferred online payment method for 45% of online shoppers. Online banking is a second best with 35%, followed by cash based methods (15%) and PayPal (5%).

Online payment methods in Europe

Online direct debit in Germany and the Netherlands
But in Germany, the most preferred online payment method (38%) is ELV (short for Elektronisches Lastschriftverfahren), an electronic direct debit payment method that’s supported by banks in Germany. In the Netherlands a similar method is the absolute number one. iDeal, also a payment method that’s supported by the majority of local banks, is the preferred payment method for 55% of online shoppers.

Turkey is the country where credit and debit cards are very popular (87%), but Visa and Mastercard are nowhere to be seen. PayPal is the second most popular payment method (7%), followed by other wallets (6%). In Russia, not only credit and debit cards are popular, but also Qiwi, a method that lets Russians pay electronically without having to transmit sensitive bank account or credit card numbers over the Internet. Russians also like to pay with Webmoney and Yandex.Money.


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  • Hello from Turkey and thanks for the great post.

    As the report suggests, in Turkey the most used payment method is credit card and for us Visa’s and Mastercard’s are also credit cards. We don’t really care if the credit card we have in our wallet is Visa or Mastercard, the more important thing is the bank which holds the credit card and what advantages he offers.

    • Turkey is the country where credit and debit cards are very popular (87%), but Visa and Mastercard are nowhere to be seen.

  • Tomáš Vrtík

    Thank you for this ample article, really usable informations!

  • AliNoorani

    Is it possible for Iranians inside Iran to use any of these payment methods? I know paypayll being American has already blocked Iran for sanctions.

  • Cammi Roe

    Thanks for the article – quite informative and very helpful, especially for those who are new to this world of e-commerce (myself included). Personally, I think it’s a great advice to use a variety of payment methods for your website. I’ve got a couple of questions though. First, how do you learn what payment methods your target audience prefers? And second, there’s one payment service I’ve come across and I wonder if anyone ever used it for e-commerce. It’s just that it looks quite attractive to me, but I don’t know how reliable they are and what their rates are like. I’ll appreciate all answers, thanks!

  • Wojtek Maruniak