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Europe Online Payment Methods 2012


    August 2012


                                                                              Provided by

                 RESEARCH ON INTERNATIONAL MARKETS
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                                                                                            August 2012




    Publication Date	
    	 August 2012
    Language	
    	 English
    Format	
    	 PDF & PowerPoint
    Number of Pages/Charts 	 	
    	 123
    Covered Countries 	               	
      	 Western Europe: UK (Top Country), Belgium, France, Ireland, Italy, Luxembourg, Netherlands, 		
    	 Portugal, Spain													
    	 Central Europe: Germany (Top Country), Austria, Switzerland						
    	 Eastern Europe: Russia (Top Country), Bulgaria, Cyprus, Czech Republic, Estonia, Greece, Hungary, 	
        Latvia, Lithuania, Malta, Poland, Romania, Slovakia, Slovenia, Turkey, Ukraine				
        Scandinavia: Denmark, Finland, Norway, Sweden							
    	
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Europe Online Payment Methods 2012

Key Findings
 Covering 32 European Countries

 •	   The Payment Services Directive, Single Euro Payments Area (SEPA) program and MyBank all aim at sim-
      plifying pan-European online payments.
 •	   In the UK in Q1 2012, the most frequently used online payment method was “Credit Cards”, followed by 	
      “Debit Cards”.
 •	   “Invoice” and “Online Payment” remained the preferred payment methods of online shoppers in Germany in
      January 2012, as in January 2011.
 •	   The number of digital wallets in Russia increased by more than 10% in 2011, while their transaction volume
      grew by almost 80% from 2010.
 •	   In Sweden, “Invoice (after Delivery)” was the leading online payment method in 2011, being used by 	
      approximately 40% of online shoppers.




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Europe Online Payment Methods 2012

Table of Contents (1 of 6)
 1.	MANAGEMENT SUMMARY                                              2. WESTERN EUROPE (cont.)

 2. WESTERN EUROPE                                                  2.3. Belgium

 2.1. Regional                                                      • 	 Online Payment Trends, 2011/2012 and Breakdown 	
                                                                    	 of used Online Shopping Payment Methods, in % of 	
 • 	 Online Payment Trends, 2011/2012                               	 Online Shoppers, April 2012
 • 	 Used Online Payment Methods, in % of Online 	 	                • 	 Used Online Payment Methods, in % of Online 	 	
 	 Shoppers, 2010                                                   	 Shoppers, 2010
 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		                   	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
 	 Cheque, Credit/Charge Card, Debit Card, Direct 	                 	 Cheque, Credit/Charge Card, Debit Card, Direct 	
 	 Debit, Online Payment Systems, Payment by 		                     	 Debit, Online Payment Systems, Payment by 		
 	 Mobile Phone)                                                    	 Mobile Phone)
 • 	 Used Online Payment Methods, by Country, in % 	                • 	 Online Payment Methods offered by Internet Pure 	
 	 of Online Shoppers, 2010                                         	 Players, in %, 2010 & 2011
 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		                   	 (by American Express, Bancontact/Mister Cash, 		
 	 Cheque, Credit/Charge Card, Debit Card, Direct 	                 	 Dexia Direct Net, Diners, IDEAL, ING Home Pay, 	
 	 Debit, Online Payment Systems, Payment by 		                     	 JCB, KBC/CBC Online, Maestro, PayPal, Visa and 	
 	 Mobile Phone)                                                    	 Master Card)
 • 	 Barriers to Online Shopping, including Payment, 	
 	 in % of Non-Online Shoppers, 2010
 • 	 Share of Consumers with high Confidence in 	         	
 	 Online Payments, in %, May 2012
                                                                    2.4. France

                                                                    • 	 Online Payment Methods, by Popularity, in % of 	
                                                                    	 Online Shoppers, 2012f
 2.2. UK (Top Country)                                              	 (by Bank Card, Cheque, Digital Wallet (PayP, etc.), 	
                                                                    	 Gift Voucher, Virtual Credit Card)
 • 	 Direct Carrier Billing Market Trends, April 2012 and 	
                                                                    • 	 Used Online Payment Methods, in % of Online 	 	
 	 Breakdown of Preferred Mobile Payment Methods, 	
                                                                    	 Shoppers, 2010
 	 in % of Smartphone Users, April 2012
                                                                    	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
 	 (by Credit Card, Debit Card, Other Payment 		
                                                                    	 Cheque, Credit/Charge Card, Debit Card, Direct 	
 	 Methods)
                                                                    	 Debit, Online Payment Systems, Payment by 		
 • 	 Used Payment Methods, in % of Online Shoppers, 	               	 Mobile Phone)
 	 2010
 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
 	 Cheque, Credit/Charge Card, Debit Card, Direct 	
 	 Debit, Online Payment Systems)                                   2.5. Ireland
 • 	 Breakdown of Online Payment Methods, by 	    	
 	 Frequency of Use, in %, Q1 2012                                  • 	 Online Payment Trends, 2011/2012 and Number of 	
 	 (by Credit Cards, Debit Cards, PayPal, Other 		                  	 Online Banking Payments, in millions, 2010 & 2011
 	 Methods)                                                         • 	 Used Online Payment Methods, in % of Online 	 	
 • 	 Breakdown of Online Card Payments, by Type of 	                	 Shoppers, 2010
 	 Card, in %, 2010                                                 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
 	 (by Credit Cards, Debit Cards)                                   	 Cheque, Credit/Charge Card, Debit Card, Direct 	
 • 	 Share of Consumers having ever scanned a QR-		                 	 Debit, Online Payment Systems, Payment by 		
 	 Code, in % of Consumers, 2011                                    	 Mobile Phone)
 • 	 News about Visa, January 2012




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Europe Online Payment Methods 2012

Table of Contents (2 of 6)
 2. WESTERN EUROPE (cont.)                                         2. WESTERN EUROPE (cont.)

 2.6. Italy                                                        2.9. Portugal

 • 	 Breakdown of Online Payment Methods, in % of 	                • 	 Used Online Payment Methods, in % of Online 	 	
 	 Online Shoppers, 2011                                           	 Shoppers, 2010
 	 (by Credit Card, PayPal, Other)                                 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
                                                                   	 Cheque, Credit/Charge Card, Debit Card, Direct 	
 • 	 Used Online Payment Methods, in % of Online 	 	
                                                                   	 Debit, Online Payment Systems, Payment by 		
 	 Shoppers, 2010                                                  	 Mobile Phone)
 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
 	 Cheque, Credit/Charge Card, Debit Card, Direct 	
 	 Debit, Online Payment Systems, Payment by 		                    2.10. Spain
 	 Mobile Phone)
 • 	 News about MyBank, May 2012                                   • 	 Preferred Online Payment Methods, in % of 	  	
                                                                   	 Internet Users, 2011
                                                                   	 (by Bank Transfer, Cash-on-Delivery, Credit Card, 	
 2.7. Luxembourg
                                                                   	 Payment Platforms (e.g. PayPal, Moneybookers, 	
                                                                   	 Click & Buy))
 • 	 Used Online Payment Methods, in % of Online 	 	
                                                                   • 	 Used Online Payment Methods, in % of Online 	 	
 	 Shoppers, 2010
                                                                   	 Shoppers, 2010
 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
                                                                   	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
 	 Credit/Charge Card, Debit Card, Direct Debit, 		
                                                                   	 Cheque, Credit/Charge Card, Debit Card, Direct 	
 	 Online Payment Systems)
                                                                   	 Debit, Online Payment Systems, Payment by 		
                                                                   	 Mobile Phone)
 2.8. Netherlands                                                  • 	 Breakdown of main Concerns regarding Online 	 	
                                                                   	 Shopping, including Online Payments, in % of 		
 • 	 Breakdown of preferred Online Payment Methods 	               	 Internet Users, May 2012
 	 of Online Shoppers, in %, 2010 & 2011
                                                                   • 	 News about PayPal, March 2012
 	 (by Acceptgiro, Credit Card, Credit Transfer, 		
 	 iDEAL, One-off Direct Debit, PayPal, Others)                    • 	 News about Telefonica Digital, July 2012

 • 	 Used Online Payment Methods, in % of Online 	 	
 	 Shoppers, 2010
 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		                  3. CENTRAL EUROPE
 	 Cheque, Credit/Charge Card, Debit Card, Direct 	
 	 Debit, Online Payment Systems, Payment by 		                    3.1. Germany (Top Country)
 	 Mobile Phone)
 • 	 Accepted Online Payment Methods by Online 	 	                 • 	 Online Payment Trends, 2011/2012
 	 Merchants, in %, 2010 & 2011                                    • 	 Direct Carrier Billing Market Trends, April 2012 and 	
 	 (by Acceptgiro, Cash-on-Delivery, Credit Card, 		               	 Breakdown of preferred Mobile Payment Methods, 	
 	 Credit Transfer, iDEAL, One-off Direct Debit, 		                	 in % of Smartphone Users, April 2012
 	 PayPal)                                                         	 (by Credit Card, Debit Card, Other Payment 		
 • 	 Online Payment Methods used for last Online 	 	               	 Methods)
 	 Purchase, in %, 2011                                            • 	 Used Online Payment Methods, in % of Online 	 	
 	 (by Acceptgiro, Credit Card, Credit Transfer, iDEAL, 	          	 Shoppers, 2010
 	 One-off Direct Debit, PayPal)                                   	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
 • 	 Breakdown of preferred Mobile Payment Methods 	               	 Cheque, Credit/Charge Card, Debit Card, Direct 	
 	 of Mobile Shoppers, in % of Mobile Shoppers, 2011               	 Debit, Online Payment Systems, Payment by 		
 	 (by Acceptgiro, Credit Card, iDEAL, Other)                      	 Mobile Phone)




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Europe Online Payment Methods 2012

Table of Contents (3 of 6)
 3. CENTRAL EUROPE (cont.)                                        4. EASTERN EUROPE

 3.1. Germany (cont.)                                             4.1. Russia (Top Country)

 • 	 Breakdown of preferred Payment Methods of 	 	                • 	 Online Payment Trends, 2011
 	 Online Shoppers, in %, January 2011 & January 	                • 	 Most popular national and international Electronic 	
 	 2012                                                           	 Payment Systems, 2011
 	 (by Credit Card, Invoice, Online Payment, 		                   • 	 Awareness and Usage of Payment Methods, in %, 	
 	 Prepayment, Other)                                             	 March 2012
 • 	 Breakdown of Trust in Online Payment Methods, 	              	 (by Bank Cards, E-Money, Internet Banking, Offline 	
 	 compared to regular Payment Methods, in % of 		                	 Terminals, SMS Payments)
 	 Consumers, Q1 2012                                             • 	 E-Money Trends, 2011/2012
 • 	 Reasons for choosing an Online Payment Method, 	             • 	 Number of digital Wallets, in millions, 2009-2011f 	
 	 in % of Individuals, Q1 2012                                   	 and total digital Wallet Transaction Volume, in RUB 	
 • 	 Breakdown of preferred Payment Methods in 	 	                	 billion, 2009-2012f
 	 Interactive Trade, in % of Interactive Trade 		                • 	 E-Money Usage, by Category, in % of E-Money 		
 	 Shoppers, 2010 & 2011                                          	 Users in Urban Areas, March 2012
 	 (by Cash-on-Delivery, Credit Card, Digital Payment 	           • 	 E-Money Service Awareness, in % of Consumers in 	
 	 Methods, Direct Debit, Hire-Purchase, Invoice, 		              	 Urban Areas, March 2012
 	 Others)                                                        	 (by Money@Mail.ru, PayPal, QIWI Wallet, 		
                                                                  	 WebMoney, Yandex.Money)
 • 	 News about eBay Payment, June 2012
                                                                  • 	 E-Money Service Usage, in % of Consumers in 	 	
 • 	 News about Otto and Yapital, March 2012
                                                                  	 Urban Areas, March 2012
                                                                  	 (by Money@Mail.ru, PayPal, QIWI Wallet, 		
                                                                  	 WebMoney, Yandex.Money)
 3.2. Austria
                                                                  • 	 News about PayPal, August 2011
 • 	 Online Payment Trends, 2011/2012 and Online 		               • 	 News about VimpelCom and Alfa-Bank, June 2011
 	 Payment Methods by Popularity, in % of Online 		               • 	 News about Yandex.Money and Earthport, July 	 	
 	 Shoppers, 2006/2007 & 2010/2011                                	 2012
 	 (by Bank Transfer, Cash-on-Delivery, Credit Card, 	
 	 PayPal, Other Payment Methods)
 • 	 Used Online Payment Methods, in % of Online 	 	
 	 Shoppers, 2010
 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		                 4.2. Bulgaria
 	 Cheque, Credit/Charge Card, Debit Card, Direct 	
 	 Debit, Online Payment Systems, Payment by 		                   • 	 Used Online Payment Methods, in % of Online 	 	
 	 Mobile Phone)                                                  	 Shoppers, 2010
 • 	 News about Klarna, July 2012                                 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
                                                                  	 Cheque, Credit/Charge Card, Debit Card, Direct 	
                                                                  	 Debit, Online Payment Systems, Payment by 		
 3.3. Switzerland                                                 	 Mobile Phone)
                                                                  • 	 Share of Internet using Cardholders paying Bills or 	
 • 	 Breakdown of preferred Payment Methods in 	 	                	 making Purchases Online, in % of Cardholders 		
 	 Interactive Trade, in % of Companies, 2010 & 2011              	 using the Internet, Q1 2012
 	 (by Credit Card, Debit Card, Invoice, Prepayment/	
 	 Cash-on-Delivery)




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Europe Online Payment Methods 2012

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

 4.3. Cyprus                                                       4.7. Hungary

 • 	 Used Online Payment Methods, in % of Online 	 	               • 	 Used Online Payment Methods, in % of Online 	 	
 	 Shoppers, 2010                                                  	 Shoppers, 2010
 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		                  	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
 	 Cheque, Credit/Charge Card, Debit Card, Direct 	                	 Cheque, Credit/Charge Card, Debit Card, Direct 	
 	 Debit, Online Payment Systems)                                  	 Debit, Online Payment Systems, Payment by 		
                                                                   	 Mobile Phone)
                                                                   • 	 News about PayU, July 2011
 4.4. Czech Republic

 • 	 Used Online Payment Methods, in % of Online 	 	
 	 Shoppers, 2010                                                  4.8. Latvia
 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
 	 Cheque, Credit/Charge Card, Debit Card, Direct 	                • 	 Used Online Payment Methods, in % of Online 	 	
 	 Debit, Online Payment Systems, Payment by 		                    	 Shoppers, 2010
 	 Mobile Phone)                                                   	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
 • 	 Mobile Payment Trends, 2011                                   	 Cheque, Credit/Charge Card, Debit Card, Direct 	
                                                                   	 Debit, Online Payment Systems, Payment by 		
                                                                   	 Mobile Phone)
 4.5. Estonia

 • 	 Online Payment Trends, Q1 2012
 • 	 Used Online Payment Methods, in % of Online 	 	
 	 Shoppers, 2010
                                                                   4.9. Lithuania
 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
 	 Cheque, Credit/Charge Card, Debit Card, Direct 	                • 	 Used Online Payment Methods, in % of Online 	 	
 	 Debit, Online Payment Systems, Payment by 		                    	 Shoppers, 2010
 	 Mobile Phone)                                                   	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
                                                                   	 Credit/Charge Card, Debit Card, Direct 			
 • 	 Breakdown of most popular non-Card Payment 		
                                                                   	 Debit, Online Payment Systems, Payment by 		
 	 Methods, in % of Individuals, Q1 2012
                                                                   	 Mobile Phone)
 • 	 Growth in Number of Transfers of non-Card 	 	
 	 Payment Methods, in % Growth, 2012 vs. 2007


                                                                   4.10. Malta
 4.6. Greece
                                                                   • 	 Used Online Payment Methods, in % of Online 	 	
 • 	 Used Online Payment Methods, in % of Online 	 	               	 Shoppers, 2010
 	 Shoppers, 2010                                                  	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		                  	 Credit/Charge Card, Debit Card, Direct 			
 	 Credit/Charge Card, Debit Card, Direct 			                      	 Debit, Online Payment Systems)
 	 Debit, Online Payment Systems, Payment by 		
 	 Mobile Phone)




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Europe Online Payment Methods 2012

Table of Contents (5 of 6)
 4. EASTERN EUROPE (cont.)                                         4. EASTERN EUROPE (cont.)

 4.11. Poland                                                      4.13. Slovakia

 • 	 Online Payment Methods by Popularity, in %, 2011              • 	 Used Online Payment Methods, in % of Online 	 	
 	 (by Bank Transfer – On the Basis of an Invoice, 	               	 Shoppers, 2010
 	 Bank Transfer - Prepayment, Cash-on-Delivery, 	                 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
 	 Credit Card/E-Card, Payment System (for 		                      	 Cheque, Credit/Charge Card, Debit Card, Direct 	
 	 Example DotPay, PayPal), I Don’t Know/ Hard to 	
 	 Tell, Other)                                                    	 Debit, Online Payment Systems, Payment by 		
                                                                   	 Mobile Phone)
 • 	 Used Online Payment Methods, in % of Online 	 	
 	 Shoppers, 2010                                                  • 	 News about TrustPay, July 2012
 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		                  • 	 News about Adyen and TrustPay, July 2012
 	 Credit/Charge Card, Debit Card, Direct 			                      • 	 News about UniCredit and Gemalto, July 2011
 	 Debit, Online Payment Systems, Payment by 		
 	 Mobile Phone)
 • 	 Availability of Payment Methods in Online Shops, 	
 	 in %, 2008-2010
                                                                   4.14. Slovenia
 	 (by Bank Transfer, Credit Card Payment, Micropay	
 	 ments per SMS, Payment in Installments, Payment 	
 	 upon Receipt, Quick Internet Transfer, Other)                   • 	 Used Online Payment Methods, in % of Online 	 	
 • 	 Payment Methods in Online Shops, by Popularity, 	             	 Shoppers, 2010
 	 in %, 2009 & 2010                                               	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
 	 (by Bank Transfer, Credit Card Payment, 		                      	 Cheque, Credit/Charge Card, Debit Card, Direct 	
 	 Micropayments per SMS, Payment in Installments, 	               	 Debit, Online Payment Systems, Payment by 		
 	 Payment upon Receipt, Quick Internet Transfer, 	                	 Mobile Phone)
 	 Other)
 • 	 Online Payment Cooperation Partners of Online 		
 	 Shops, in %, 2008-2010
 	 (by DialCom24 Sp. z o.o., Did not cooperate with 	
 	 any Company, Dotpay S.A., eCard S.A., First Data 	              4.15. Turkey
 	 Polska S.A., PayPal Polska Sp. z o.o., PayU S.A., 	
 	 Other)                                                          • 	 Mobile Banking and Payment Market Trends, 	            	
                                                                   	 December 2011
 4.12. Romania                                                     • 	 Total Number of E-Commerce Transactions made 	
                                                                   	 with Domestic Cards, in millions, 2007-2011 and 	
                                                                   	 Volume of E-Commerce Transactions made with 	
 • 	 Online Payment Trends, 2011/2012 and Online 		
                                                                   	 Domestic Cards, in TRY billion, 2007-2011
 	 Payment Volume, in EUR million, Q1-Q3 2010 & 	
 	 Q1-Q3 2011                                                      • 	 News about Express Digital Wallet, June 2012
 • 	 Used Online Payment Methods, in % of Online 	 	               • 	 News about Paysafecard, June 2012
 	 Shoppers, 2010
 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
 	 Credit/Charge Card, Debit Card, Direct 			
 	 Debit, Online Payment Systems, Payment by 		                    4.16. Ukraine
 	 Mobile Phone)
 • 	 Online Payment Methods, by Popularity, in % of 	              • 	 News about Global Money, June 2012
 	 Internet Users in Urban Areas, 2011
 	 (by Cash-on-Delivery, Credit Card)




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Europe Online Payment Methods 2012

Table of Contents (6 of 6)
 5. SCANDINAVIA                                                    5. SCANDINAVIA (cont.)

 5.1. Denmark                                                      5.3. Norway

 • 	 Online Payment Trends, 2011 and Average Amount 	              • 	 Breakdown of Online Payment Methods, in % of 	
 	 spent Online via Dankort, in DKK, 2010 & 2011                   	 Online Shoppers, 2011
 • 	 Breakdown of Online Payment Methods, in % of 	                	 (by Credit Card/Dankort, Direct Payment via my 	
                                                                   	 Bank, Invoice (after Delivery), PayPal or similar)
 	 Online Shoppers, 2011
 	 (by Credit Card/Dankort, Direct Payment via my 	
 	 Bank, Invoice, PayPal or similar)
 • 	 Used Online Payment Methods, in % of Online 	 	
 	 Shoppers, 2010
 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
 	 Cheque, Credit/Charge Card, Debit Card, Direct 	
 	 Debit, Online Payment Systems, Payment by 		
 	 Mobile Phone)
 • 	 News about Ukash, February 2012




 5.2. Finland                                                       5.4. Sweden

 • 	 Breakdown of Online Payment Methods, in % of 	                 • 	 Breakdown of Online Payment Methods, in % of 	
 	 Online Shoppers, 2011                                            	 Online Shoppers, 2011
 	 (by Credit Card/Dankort, Direct Payment via my 	                 	 (by Credit Card, Direct Payment via my Bank, 		
 	 Bank, Invoice (after Delivery), PayPal or similar, 	             	 Invoice (after Delivery), PayPal or similar, Others)
 	 Others)                                                          • 	 Used Payment Methods, in % of Online Shoppers, 	
 • 	 Used Online Payment Methods of Online Shoppers, 	              	 2010
 	 in %, 2010                                                       	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		                   	 Credit/Charge Card, Debit Card, Direct Debit, 		
 	 Credit/Charge Card, Debit Card, Direct Debit, 		                 	 Online Payment Systems, Payment by Mobile 		
 	 On	line Payment Systems, Payment by Mobile 		                    	 Phone)
 	 Phone)
                                                                    • 	 Mobile Payment Trends, 2011/2012




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Europe Online Payment Methods 2012

                                                                                      Samples

                                                             RESEARCH ON INTERNATIONAL MARKETS
                                                                    We deliver the facts – you make the decisions




       The most popular online payment method in France in 2012 is expected
       to be “Bank Card” (79%), followed by “Digital Wallet” (25%).
       France: Online Payment Methods, by Popularity, in % of Online Shoppers, 2012f
       (by Bank Card, Cheque, Digital Wallet (PayPal…), Gift Voucher, Virtual Credit Card)




                                              Bank Card                                                                    79%



                      Digital Wallet (PayPal…)                                     25%



                                             Gift Voucher                12%



                                  Virtual Credit Card                 11%



                                                 Cheque             8%


                                                            0%                  25%                     50%          75%          100%



       Source: Fevad, 2012




                                                                                                                                              33




                                                                 RESEARCH ON INTERNATIONAL MARKETS
                                                                     We deliver the facts – you make the decisions




       In Germany in June 2012, eBay had to stop the introduction of its new
       and more secure payment system due to regulatory discrepancies.
       Germany: News about eBay Payment, June 2012

                  In Germany, B2C and C2C E-Commerce platform eBay introduced a
                   new payment system in fall 2011, as a test. Until June 2012,
                   500,000 eBay payment accounts for this new system had already
                   been registered by merchants.
                  The system channels payments for purchases via the website
                   instead of requiring a direct transaction from buyer to vendor. By
                   doing so, eBay hoped to increase the clients’ payment security. The
                   entire payment transaction process will take 7 days and eBay raises a
                   transaction fee of 2% for professional merchants. Merchants
                   meeting the site’s requirements and who have been active for a
                   longer period of time will benefit from transfer periods of only 1 day.
                  Other payment methods on the website are direct transfers between
                   buyers’ and vendors’ accounts, credit card, direct debit, PayPal and
                   Skrill (formerly Moneybookers).
                  After a test period between fall 2011 and June 2012 the German
                   Federal Financial Supervisory Authority declared that eBay required
                   a license by Luxembourg’s Financial Supervisory Authority, as the
                   eBay subsidiary in charge of the payment system is located in
                   Luxembourg.
                  eBay was forced to stop the test period until it acquires the license.

        Source: Manager Magazin, June 2012




                                                                                                                                                   60




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Europe Online Payment Methods 2012

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     without our prior written consent.                                                                      rendered by us violates thirdparty rights, we shall choose one of the below actions, duly
2.6	Our offers are not binding and subject to change without notice until acceptance by the                 taking into consideration the customer’s interests:
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     acceptance requires the execution of our “Research Order Form” or our “Report Order Form”          	    b) revising the service to render it free of legal violations; or
     respectively (each such document hereinafter the “Order Form”) by a duly authorized repre-         	    c)  ithdrawing the service and refunding to the customer any related compensation paid,
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3.	 TERMS OF PAYMENT                                                                                        this section 7, with us reimbursing the Customer for any expenditures and costs incurred as
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     ble, at the statutory rate shall be added to all fees payable hereunder.                           8.	 LIABILITY
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     Order Form in case such additional Products are requested by the customer.                              applicable law.
3.4	  e will send our invoice to the customer upon execution of the Contract, unless agreed
     W                                                                                                  8.2	Our liability in cases of simple negligence is limited as follows: we are liable only if and to
     otherwise in the Order Form. In the event that the customer orders our Product “Full Access             the extent that we violated a material contractual obligation (cardinal obligation) – i.e., an
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3.5	 payments shall be due and payable within thirty (30) days following the date of our
     All                                                                                                     event will we be liable for any incidental, special, punitive or consequential damages, loss of
     invoice without any deductions. The customer will be in default one day after the expiry date           profits or loss of data in such case.
     without any further warning notice being required.                                                 8.3	Our liability for damages under warranties (Beschaffenheitsgarantien) is limited to instances
3.6	 customers‘ rights of retention or set-off are hereby excluded to the extent that they are
     All                                                                                                     in which the warranty expressly includes such liability.
     not based on the same contractual relationship. Retentions or set-offs are allowed only if the     8.4	Claims for the reimbursement of expenditures and other liability claims asserted by the
     customer‘s claim is nondisputed or has become unappeasable.                                             Customer against us are subject to sections 8.1 through 8.3.
3.7	 the event of a customer‘s default in payment or other apparent credit unworthiness, all
     In                                                                                                 9.	 CONFIDENTIALITY
     remaining claims against that customer shall become immediately due and payable in full.           9.1	  he Parties shall hold in strict confidence for an indefinite period of time all data and
                                                                                                             T
     We shall then be entitled to rescind payment terms previously agreed upon and to demand                 information materials of which they gain knowledge as part of a Contract, be it orally, in
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     kruptcy or composition proceedings.                                                                     shall use them exclusively as part of the services covered by the relevant Order. This duty of
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     mit, transfer or sell, reproduce, create derivative works from, distribute, perform, display, or             third party is not bound by a duty of confidentiality in relations with the other Party;
     in any way exploit any of the Products made available by us, in whole or in part, except as        	    c)  ust be disclosed by order of and to a government agency or another competent third
                                                                                                                 m
     expressly permitted under the Contract.                                                                     party; and
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     obtains a non-exclusive, non-transferable, perpetual, worldwide right to use the Products                    consulting purposes.
     provided to the customer for its internal purposes or any additional purposes set out in the       	 the cases of Sections c) and d), the parties shall (i) promptly inform each other about a
                                                                                                             In
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     the report. In the event that the parties agree on a “Site License” under the Order Form, this     10.	JURISDICTION, GOVERNING LAW, MISCELLANEOUS
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     of an organization shall be entitled to access the report. In the event that the parties agree     10.2	 ll disputes arising from or in connection with any Contract between the parties shall be
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Brochure & Order Form_Europe Online Payment Methods 2012

  • 1. Europe Online Payment Methods 2012 August 2012 Provided by RESEARCH ON INTERNATIONAL MARKETS We deliver the facts – you make the decisions August 2012 Publication Date August 2012 Language English Format PDF & PowerPoint Number of Pages/Charts 123 Covered Countries Western Europe: UK (Top Country), Belgium, France, Ireland, Italy, Luxembourg, Netherlands, Portugal, Spain Central Europe: Germany (Top Country), Austria, Switzerland Eastern Europe: Russia (Top Country), Bulgaria, Cyprus, Czech Republic, Estonia, Greece, Hungary, Latvia, Lithuania, Malta, Poland, Romania, Slovakia, Slovenia, Turkey, Ukraine Scandinavia: Denmark, Finland, Norway, Sweden Price Single User License: € 3,450 (excl. VAT) Site License: € 6,900 (excl. VAT) Global Site License: € 10,350 (excl. VAT) yStats.com GmbH & Co. KG Telefon: +49 (0) 40 - 39 90 68 50 info@ystats.com www.twitter.com/ystats Behringstr. 28a, 22765 Hamburg Fax: +49 (0) 40 - 39 90 68 51 www.ystats.com www.facebook.com/ystats
  • 2. Europe Online Payment Methods 2012 Key Findings Covering 32 European Countries • The Payment Services Directive, Single Euro Payments Area (SEPA) program and MyBank all aim at sim- plifying pan-European online payments. • In the UK in Q1 2012, the most frequently used online payment method was “Credit Cards”, followed by “Debit Cards”. • “Invoice” and “Online Payment” remained the preferred payment methods of online shoppers in Germany in January 2012, as in January 2011. • The number of digital wallets in Russia increased by more than 10% in 2011, while their transaction volume grew by almost 80% from 2010. • In Sweden, “Invoice (after Delivery)” was the leading online payment method in 2011, being used by approximately 40% of online shoppers. Company and Product Information About our Reports Market reports by yStats.com inform top managers about recent market trends and assist with strategic company decisions A list of advantages • yStats.com provides secondary market research: By using various sources of information we ensure maximum objectivity for all obtained data. As a result companies get a precise and unbiased impression of the market situation. • The analyses, statistical reports and forecasts are only based on reliable sources including national and international statistical offices, industry and trade associations, business reports, business and company databases, journals, company registries and news portals. • Our international employees research and filter all sources and translate relevant information into English. This ensures that the content of the original studies is correctly interpreted. • yStats.com delivers all research results as PowerPoint files. All data can therefore be used directly for board presentations or be individually adapted. • If required, yStats.com provides in-depth analysis for all research projects. Simply send us a request. About yStats.com • yStats.com has been committed to research up-to-date, objective and demand-based data on markets and competitors from various industries since 2005. • Headquartered in Hamburg, Germany, the firm has a strong international focus and is specialized in secondary market research. • In addition to reports on markets and competitors, yStats.com also carries out client-specific research. • Clients include leading global enterprises from various industries including B2C E-Commerce, electronic payment systems, mail order and direct marketing, logistics as well as banking and consulting. yStats.com GmbH & Co. KG Telefon: +49 (0) 40 - 39 90 68 50 info@ystats.com www.twitter.com/ystats Behringstr. 28a, 22765 Hamburg Fax: +49 (0) 40 - 39 90 68 51 www.ystats.com www.facebook.com/ystats
  • 3. Europe Online Payment Methods 2012 Table of Contents (1 of 6) 1. MANAGEMENT SUMMARY 2. WESTERN EUROPE (cont.) 2. WESTERN EUROPE 2.3. Belgium 2.1. Regional • Online Payment Trends, 2011/2012 and Breakdown of used Online Shopping Payment Methods, in % of • Online Payment Trends, 2011/2012 Online Shoppers, April 2012 • Used Online Payment Methods, in % of Online • Used Online Payment Methods, in % of Online Shoppers, 2010 Shoppers, 2010 (by Bank/Credit Transfer, Cash-on-Delivery, (by Bank/Credit Transfer, Cash-on-Delivery, Cheque, Credit/Charge Card, Debit Card, Direct Cheque, Credit/Charge Card, Debit Card, Direct Debit, Online Payment Systems, Payment by Debit, Online Payment Systems, Payment by Mobile Phone) Mobile Phone) • Used Online Payment Methods, by Country, in % • Online Payment Methods offered by Internet Pure of Online Shoppers, 2010 Players, in %, 2010 & 2011 (by Bank/Credit Transfer, Cash-on-Delivery, (by American Express, Bancontact/Mister Cash, Cheque, Credit/Charge Card, Debit Card, Direct Dexia Direct Net, Diners, IDEAL, ING Home Pay, Debit, Online Payment Systems, Payment by JCB, KBC/CBC Online, Maestro, PayPal, Visa and Mobile Phone) Master Card) • Barriers to Online Shopping, including Payment, in % of Non-Online Shoppers, 2010 • Share of Consumers with high Confidence in Online Payments, in %, May 2012 2.4. France • Online Payment Methods, by Popularity, in % of Online Shoppers, 2012f 2.2. UK (Top Country) (by Bank Card, Cheque, Digital Wallet (PayP, etc.), Gift Voucher, Virtual Credit Card) • Direct Carrier Billing Market Trends, April 2012 and • Used Online Payment Methods, in % of Online Breakdown of Preferred Mobile Payment Methods, Shoppers, 2010 in % of Smartphone Users, April 2012 (by Bank/Credit Transfer, Cash-on-Delivery, (by Credit Card, Debit Card, Other Payment Cheque, Credit/Charge Card, Debit Card, Direct Methods) Debit, Online Payment Systems, Payment by • Used Payment Methods, in % of Online Shoppers, Mobile Phone) 2010 (by Bank/Credit Transfer, Cash-on-Delivery, Cheque, Credit/Charge Card, Debit Card, Direct Debit, Online Payment Systems) 2.5. Ireland • Breakdown of Online Payment Methods, by Frequency of Use, in %, Q1 2012 • Online Payment Trends, 2011/2012 and Number of (by Credit Cards, Debit Cards, PayPal, Other Online Banking Payments, in millions, 2010 & 2011 Methods) • Used Online Payment Methods, in % of Online • Breakdown of Online Card Payments, by Type of Shoppers, 2010 Card, in %, 2010 (by Bank/Credit Transfer, Cash-on-Delivery, (by Credit Cards, Debit Cards) Cheque, Credit/Charge Card, Debit Card, Direct • Share of Consumers having ever scanned a QR- Debit, Online Payment Systems, Payment by Code, in % of Consumers, 2011 Mobile Phone) • News about Visa, January 2012 yStats.com GmbH & Co. KG Telefon: +49 (0) 40 - 39 90 68 50 info@ystats.com www.twitter.com/ystats Behringstr. 28a, 22765 Hamburg Fax: +49 (0) 40 - 39 90 68 51 www.ystats.com www.facebook.com/ystats
  • 4. Europe Online Payment Methods 2012 Table of Contents (2 of 6) 2. WESTERN EUROPE (cont.) 2. WESTERN EUROPE (cont.) 2.6. Italy 2.9. Portugal • Breakdown of Online Payment Methods, in % of • Used Online Payment Methods, in % of Online Online Shoppers, 2011 Shoppers, 2010 (by Credit Card, PayPal, Other) (by Bank/Credit Transfer, Cash-on-Delivery, Cheque, Credit/Charge Card, Debit Card, Direct • Used Online Payment Methods, in % of Online Debit, Online Payment Systems, Payment by Shoppers, 2010 Mobile Phone) (by Bank/Credit Transfer, Cash-on-Delivery, Cheque, Credit/Charge Card, Debit Card, Direct Debit, Online Payment Systems, Payment by 2.10. Spain Mobile Phone) • News about MyBank, May 2012 • Preferred Online Payment Methods, in % of Internet Users, 2011 (by Bank Transfer, Cash-on-Delivery, Credit Card, 2.7. Luxembourg Payment Platforms (e.g. PayPal, Moneybookers, Click & Buy)) • Used Online Payment Methods, in % of Online • Used Online Payment Methods, in % of Online Shoppers, 2010 Shoppers, 2010 (by Bank/Credit Transfer, Cash-on-Delivery, (by Bank/Credit Transfer, Cash-on-Delivery, Credit/Charge Card, Debit Card, Direct Debit, Cheque, Credit/Charge Card, Debit Card, Direct Online Payment Systems) Debit, Online Payment Systems, Payment by Mobile Phone) 2.8. Netherlands • Breakdown of main Concerns regarding Online Shopping, including Online Payments, in % of • Breakdown of preferred Online Payment Methods Internet Users, May 2012 of Online Shoppers, in %, 2010 & 2011 • News about PayPal, March 2012 (by Acceptgiro, Credit Card, Credit Transfer, iDEAL, One-off Direct Debit, PayPal, Others) • News about Telefonica Digital, July 2012 • Used Online Payment Methods, in % of Online Shoppers, 2010 (by Bank/Credit Transfer, Cash-on-Delivery, 3. CENTRAL EUROPE Cheque, Credit/Charge Card, Debit Card, Direct Debit, Online Payment Systems, Payment by 3.1. Germany (Top Country) Mobile Phone) • Accepted Online Payment Methods by Online • Online Payment Trends, 2011/2012 Merchants, in %, 2010 & 2011 • Direct Carrier Billing Market Trends, April 2012 and (by Acceptgiro, Cash-on-Delivery, Credit Card, Breakdown of preferred Mobile Payment Methods, Credit Transfer, iDEAL, One-off Direct Debit, in % of Smartphone Users, April 2012 PayPal) (by Credit Card, Debit Card, Other Payment • Online Payment Methods used for last Online Methods) Purchase, in %, 2011 • Used Online Payment Methods, in % of Online (by Acceptgiro, Credit Card, Credit Transfer, iDEAL, Shoppers, 2010 One-off Direct Debit, PayPal) (by Bank/Credit Transfer, Cash-on-Delivery, • Breakdown of preferred Mobile Payment Methods Cheque, Credit/Charge Card, Debit Card, Direct of Mobile Shoppers, in % of Mobile Shoppers, 2011 Debit, Online Payment Systems, Payment by (by Acceptgiro, Credit Card, iDEAL, Other) Mobile Phone) yStats.com GmbH & Co. KG Telefon: +49 (0) 40 - 39 90 68 50 info@ystats.com www.twitter.com/ystats Behringstr. 28a, 22765 Hamburg Fax: +49 (0) 40 - 39 90 68 51 www.ystats.com www.facebook.com/ystats
  • 5. Europe Online Payment Methods 2012 Table of Contents (3 of 6) 3. CENTRAL EUROPE (cont.) 4. EASTERN EUROPE 3.1. Germany (cont.) 4.1. Russia (Top Country) • Breakdown of preferred Payment Methods of • Online Payment Trends, 2011 Online Shoppers, in %, January 2011 & January • Most popular national and international Electronic 2012 Payment Systems, 2011 (by Credit Card, Invoice, Online Payment, • Awareness and Usage of Payment Methods, in %, Prepayment, Other) March 2012 • Breakdown of Trust in Online Payment Methods, (by Bank Cards, E-Money, Internet Banking, Offline compared to regular Payment Methods, in % of Terminals, SMS Payments) Consumers, Q1 2012 • E-Money Trends, 2011/2012 • Reasons for choosing an Online Payment Method, • Number of digital Wallets, in millions, 2009-2011f in % of Individuals, Q1 2012 and total digital Wallet Transaction Volume, in RUB • Breakdown of preferred Payment Methods in billion, 2009-2012f Interactive Trade, in % of Interactive Trade • E-Money Usage, by Category, in % of E-Money Shoppers, 2010 & 2011 Users in Urban Areas, March 2012 (by Cash-on-Delivery, Credit Card, Digital Payment • E-Money Service Awareness, in % of Consumers in Methods, Direct Debit, Hire-Purchase, Invoice, Urban Areas, March 2012 Others) (by Money@Mail.ru, PayPal, QIWI Wallet, WebMoney, Yandex.Money) • News about eBay Payment, June 2012 • E-Money Service Usage, in % of Consumers in • News about Otto and Yapital, March 2012 Urban Areas, March 2012 (by Money@Mail.ru, PayPal, QIWI Wallet, WebMoney, Yandex.Money) 3.2. Austria • News about PayPal, August 2011 • Online Payment Trends, 2011/2012 and Online • News about VimpelCom and Alfa-Bank, June 2011 Payment Methods by Popularity, in % of Online • News about Yandex.Money and Earthport, July Shoppers, 2006/2007 & 2010/2011 2012 (by Bank Transfer, Cash-on-Delivery, Credit Card, PayPal, Other Payment Methods) • Used Online Payment Methods, in % of Online Shoppers, 2010 (by Bank/Credit Transfer, Cash-on-Delivery, 4.2. Bulgaria Cheque, Credit/Charge Card, Debit Card, Direct Debit, Online Payment Systems, Payment by • Used Online Payment Methods, in % of Online Mobile Phone) Shoppers, 2010 • News about Klarna, July 2012 (by Bank/Credit Transfer, Cash-on-Delivery, Cheque, Credit/Charge Card, Debit Card, Direct Debit, Online Payment Systems, Payment by 3.3. Switzerland Mobile Phone) • Share of Internet using Cardholders paying Bills or • Breakdown of preferred Payment Methods in making Purchases Online, in % of Cardholders Interactive Trade, in % of Companies, 2010 & 2011 using the Internet, Q1 2012 (by Credit Card, Debit Card, Invoice, Prepayment/ Cash-on-Delivery) yStats.com GmbH & Co. KG Telefon: +49 (0) 40 - 39 90 68 50 info@ystats.com www.twitter.com/ystats Behringstr. 28a, 22765 Hamburg Fax: +49 (0) 40 - 39 90 68 51 www.ystats.com www.facebook.com/ystats
  • 6. Europe Online Payment Methods 2012 Table of Contents (4 of 6) 4. EASTERN EUROPE (cont.) 4. EASTERN EUROPE (cont.) 4.3. Cyprus 4.7. Hungary • Used Online Payment Methods, in % of Online • Used Online Payment Methods, in % of Online Shoppers, 2010 Shoppers, 2010 (by Bank/Credit Transfer, Cash-on-Delivery, (by Bank/Credit Transfer, Cash-on-Delivery, Cheque, Credit/Charge Card, Debit Card, Direct Cheque, Credit/Charge Card, Debit Card, Direct Debit, Online Payment Systems) Debit, Online Payment Systems, Payment by Mobile Phone) • News about PayU, July 2011 4.4. Czech Republic • Used Online Payment Methods, in % of Online Shoppers, 2010 4.8. Latvia (by Bank/Credit Transfer, Cash-on-Delivery, Cheque, Credit/Charge Card, Debit Card, Direct • Used Online Payment Methods, in % of Online Debit, Online Payment Systems, Payment by Shoppers, 2010 Mobile Phone) (by Bank/Credit Transfer, Cash-on-Delivery, • Mobile Payment Trends, 2011 Cheque, Credit/Charge Card, Debit Card, Direct Debit, Online Payment Systems, Payment by Mobile Phone) 4.5. Estonia • Online Payment Trends, Q1 2012 • Used Online Payment Methods, in % of Online Shoppers, 2010 4.9. Lithuania (by Bank/Credit Transfer, Cash-on-Delivery, Cheque, Credit/Charge Card, Debit Card, Direct • Used Online Payment Methods, in % of Online Debit, Online Payment Systems, Payment by Shoppers, 2010 Mobile Phone) (by Bank/Credit Transfer, Cash-on-Delivery, Credit/Charge Card, Debit Card, Direct • Breakdown of most popular non-Card Payment Debit, Online Payment Systems, Payment by Methods, in % of Individuals, Q1 2012 Mobile Phone) • Growth in Number of Transfers of non-Card Payment Methods, in % Growth, 2012 vs. 2007 4.10. Malta 4.6. Greece • Used Online Payment Methods, in % of Online • Used Online Payment Methods, in % of Online Shoppers, 2010 Shoppers, 2010 (by Bank/Credit Transfer, Cash-on-Delivery, (by Bank/Credit Transfer, Cash-on-Delivery, Credit/Charge Card, Debit Card, Direct Credit/Charge Card, Debit Card, Direct Debit, Online Payment Systems) Debit, Online Payment Systems, Payment by Mobile Phone) yStats.com GmbH & Co. KG Telefon: +49 (0) 40 - 39 90 68 50 info@ystats.com www.twitter.com/ystats Behringstr. 28a, 22765 Hamburg Fax: +49 (0) 40 - 39 90 68 51 www.ystats.com www.facebook.com/ystats
  • 7. Europe Online Payment Methods 2012 Table of Contents (5 of 6) 4. EASTERN EUROPE (cont.) 4. EASTERN EUROPE (cont.) 4.11. Poland 4.13. Slovakia • Online Payment Methods by Popularity, in %, 2011 • Used Online Payment Methods, in % of Online (by Bank Transfer – On the Basis of an Invoice, Shoppers, 2010 Bank Transfer - Prepayment, Cash-on-Delivery, (by Bank/Credit Transfer, Cash-on-Delivery, Credit Card/E-Card, Payment System (for Cheque, Credit/Charge Card, Debit Card, Direct Example DotPay, PayPal), I Don’t Know/ Hard to Tell, Other) Debit, Online Payment Systems, Payment by Mobile Phone) • Used Online Payment Methods, in % of Online Shoppers, 2010 • News about TrustPay, July 2012 (by Bank/Credit Transfer, Cash-on-Delivery, • News about Adyen and TrustPay, July 2012 Credit/Charge Card, Debit Card, Direct • News about UniCredit and Gemalto, July 2011 Debit, Online Payment Systems, Payment by Mobile Phone) • Availability of Payment Methods in Online Shops, in %, 2008-2010 4.14. Slovenia (by Bank Transfer, Credit Card Payment, Micropay ments per SMS, Payment in Installments, Payment upon Receipt, Quick Internet Transfer, Other) • Used Online Payment Methods, in % of Online • Payment Methods in Online Shops, by Popularity, Shoppers, 2010 in %, 2009 & 2010 (by Bank/Credit Transfer, Cash-on-Delivery, (by Bank Transfer, Credit Card Payment, Cheque, Credit/Charge Card, Debit Card, Direct Micropayments per SMS, Payment in Installments, Debit, Online Payment Systems, Payment by Payment upon Receipt, Quick Internet Transfer, Mobile Phone) Other) • Online Payment Cooperation Partners of Online Shops, in %, 2008-2010 (by DialCom24 Sp. z o.o., Did not cooperate with any Company, Dotpay S.A., eCard S.A., First Data 4.15. Turkey Polska S.A., PayPal Polska Sp. z o.o., PayU S.A., Other) • Mobile Banking and Payment Market Trends, December 2011 4.12. Romania • Total Number of E-Commerce Transactions made with Domestic Cards, in millions, 2007-2011 and Volume of E-Commerce Transactions made with • Online Payment Trends, 2011/2012 and Online Domestic Cards, in TRY billion, 2007-2011 Payment Volume, in EUR million, Q1-Q3 2010 & Q1-Q3 2011 • News about Express Digital Wallet, June 2012 • Used Online Payment Methods, in % of Online • News about Paysafecard, June 2012 Shoppers, 2010 (by Bank/Credit Transfer, Cash-on-Delivery, Credit/Charge Card, Debit Card, Direct Debit, Online Payment Systems, Payment by 4.16. Ukraine Mobile Phone) • Online Payment Methods, by Popularity, in % of • News about Global Money, June 2012 Internet Users in Urban Areas, 2011 (by Cash-on-Delivery, Credit Card) yStats.com GmbH & Co. KG Telefon: +49 (0) 40 - 39 90 68 50 info@ystats.com www.twitter.com/ystats Behringstr. 28a, 22765 Hamburg Fax: +49 (0) 40 - 39 90 68 51 www.ystats.com www.facebook.com/ystats
  • 8. Europe Online Payment Methods 2012 Table of Contents (6 of 6) 5. SCANDINAVIA 5. SCANDINAVIA (cont.) 5.1. Denmark 5.3. Norway • Online Payment Trends, 2011 and Average Amount • Breakdown of Online Payment Methods, in % of spent Online via Dankort, in DKK, 2010 & 2011 Online Shoppers, 2011 • Breakdown of Online Payment Methods, in % of (by Credit Card/Dankort, Direct Payment via my Bank, Invoice (after Delivery), PayPal or similar) Online Shoppers, 2011 (by Credit Card/Dankort, Direct Payment via my Bank, Invoice, PayPal or similar) • Used Online Payment Methods, in % of Online Shoppers, 2010 (by Bank/Credit Transfer, Cash-on-Delivery, Cheque, Credit/Charge Card, Debit Card, Direct Debit, Online Payment Systems, Payment by Mobile Phone) • News about Ukash, February 2012 5.2. Finland 5.4. Sweden • Breakdown of Online Payment Methods, in % of • Breakdown of Online Payment Methods, in % of Online Shoppers, 2011 Online Shoppers, 2011 (by Credit Card/Dankort, Direct Payment via my (by Credit Card, Direct Payment via my Bank, Bank, Invoice (after Delivery), PayPal or similar, Invoice (after Delivery), PayPal or similar, Others) Others) • Used Payment Methods, in % of Online Shoppers, • Used Online Payment Methods of Online Shoppers, 2010 in %, 2010 (by Bank/Credit Transfer, Cash-on-Delivery, (by Bank/Credit Transfer, Cash-on-Delivery, Credit/Charge Card, Debit Card, Direct Debit, Credit/Charge Card, Debit Card, Direct Debit, Online Payment Systems, Payment by Mobile On line Payment Systems, Payment by Mobile Phone) Phone) • Mobile Payment Trends, 2011/2012 yStats.com GmbH & Co. KG Telefon: +49 (0) 40 - 39 90 68 50 info@ystats.com www.twitter.com/ystats Behringstr. 28a, 22765 Hamburg Fax: +49 (0) 40 - 39 90 68 51 www.ystats.com www.facebook.com/ystats
  • 9. Europe Online Payment Methods 2012 Samples RESEARCH ON INTERNATIONAL MARKETS We deliver the facts – you make the decisions The most popular online payment method in France in 2012 is expected to be “Bank Card” (79%), followed by “Digital Wallet” (25%). France: Online Payment Methods, by Popularity, in % of Online Shoppers, 2012f (by Bank Card, Cheque, Digital Wallet (PayPal…), Gift Voucher, Virtual Credit Card) Bank Card 79% Digital Wallet (PayPal…) 25% Gift Voucher 12% Virtual Credit Card 11% Cheque 8% 0% 25% 50% 75% 100% Source: Fevad, 2012 33 RESEARCH ON INTERNATIONAL MARKETS We deliver the facts – you make the decisions In Germany in June 2012, eBay had to stop the introduction of its new and more secure payment system due to regulatory discrepancies. Germany: News about eBay Payment, June 2012  In Germany, B2C and C2C E-Commerce platform eBay introduced a new payment system in fall 2011, as a test. Until June 2012, 500,000 eBay payment accounts for this new system had already been registered by merchants.  The system channels payments for purchases via the website instead of requiring a direct transaction from buyer to vendor. By doing so, eBay hoped to increase the clients’ payment security. The entire payment transaction process will take 7 days and eBay raises a transaction fee of 2% for professional merchants. Merchants meeting the site’s requirements and who have been active for a longer period of time will benefit from transfer periods of only 1 day.  Other payment methods on the website are direct transfers between buyers’ and vendors’ accounts, credit card, direct debit, PayPal and Skrill (formerly Moneybookers).  After a test period between fall 2011 and June 2012 the German Federal Financial Supervisory Authority declared that eBay required a license by Luxembourg’s Financial Supervisory Authority, as the eBay subsidiary in charge of the payment system is located in Luxembourg.  eBay was forced to stop the test period until it acquires the license. Source: Manager Magazin, June 2012 60 yStats.com GmbH & Co. KG Telefon: +49 (0) 40 - 39 90 68 50 info@ystats.com www.twitter.com/ystats Behringstr. 28a, 22765 Hamburg Fax: +49 (0) 40 - 39 90 68 51 www.ystats.com www.facebook.com/ystats
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This limitation does not apply to the extent that applicable law stipu- report as identified in the Report Order Form and the customer may use that report in accor- lates a longer period in cases of intentional or grossly negligent breaches of duty on the part dance with Section 4.3 below and the other provisions of the Contract. of us, fraudulent concealment of a defect and injuries to life, body and health. 2.4 a customer orders our Product “Full Access Global E-Commerce Reports”, the customer If 6.5 Claims for damages and the reimbursement of expenditures are further subject to Section 8. gets access to any standard reports (for the avoidance of doubt excluding reports published 7. LEGAL DEFECTS in connection with any research services) focussed on the “Internet E-Commerce” industry 7.1 e are liable for products and services infringing on third-party rights only if and to the W as generally published by us during the twelve (12) months prior to the execution of the extent that our products and services are used in accordance with the agreed contractual Contract and during the subscription term as identified in the “Report Order Form” as of the requirements. date of the execution of the Contract (i.e. one, two or three years), and the customer may 7.2 Unless agreed otherwise, our liability for the infringement on third-party rights is limited to use those reports as a “Global Site License” in accordance with Section 4.3 below and the the territory of the European Union and the European Economic Area as well as the place of other provisions of the Contract. its services’ proper use as agreed under the applicable Order. 2.5 Unless expressly agreed otherwise in writing, the contents of our offers may not be made 7.3 the event that a third party asserts claims against the customer, alleging that a service In available in whole or in part to any third party outside the organization of the customer performed by us violates its rights, the customer shall promptly notify us. If a service without our prior written consent. rendered by us violates thirdparty rights, we shall choose one of the below actions, duly 2.6 Our offers are not binding and subject to change without notice until acceptance by the taking into consideration the customer’s interests: customer. Our orders will become legally binding upon acceptance by the customer. A valid a) procuring for the customer the right to use the service; acceptance requires the execution of our “Research Order Form” or our “Report Order Form” b) revising the service to render it free of legal violations; or respectively (each such document hereinafter the “Order Form”) by a duly authorized repre- c) ithdrawing the service and refunding to the customer any related compensation paid, w sentative of the customer and the submission of the Order Form to us via facsimile or email as adjusted by an adequate user fee, if we cannot effect another remedy at a reasonable with pdf-attachment. We will provide the customer with the access data required to access expense. the ordered Product(s) with two (2) days as of the execution of the Contract. 7.4 Upon our request, the Customer shall assist us with the defense against claims according to 3. TERMS OF PAYMENT this section 7, with us reimbursing the Customer for any expenditures and costs incurred as 3.1 The contractually negotiated prices are to be derived exclusively from the Order Form and/or a result, although each of the Parties bears the costs of the use of its own personnel. the documents referenced therein. 7.5 Claims the Customer may hold for legal defects expire in accordance with Section 6.4. 3.2 prices are net and without transportation costs, if applicable. Value Added Tax, if applica- All 7.6 Claims for damages and the reimbursement of expenditures are further subject to Section 8. ble, at the statutory rate shall be added to all fees payable hereunder. 8. LIABILITY 3.3 e may demand an additional fee for services that go beyond the scope as agreed under the W 8.1 cases of intentional misconduct and gross negligence, we are fully liable pursuant to In Order Form in case such additional Products are requested by the customer. applicable law. 3.4 e will send our invoice to the customer upon execution of the Contract, unless agreed W 8.2 Our liability in cases of simple negligence is limited as follows: we are liable only if and to otherwise in the Order Form. In the event that the customer orders our Product “Full Access the extent that we violated a material contractual obligation (cardinal obligation) – i.e., an Global E-Commerce Reports”, we will send our invoice for the first contract year upon exe- obligation that (i) the Customer reasonably relied upon at execution of the applicable Order cution of the Contract and the invoice(s) for any subsequent contract year(s), if any, upon Form and (ii) was of critical significance to the outcome of performance. As regards property commencement of any subsequent contract year. damage and financial loss, such liability is limited to typical and foreseeable damages; in no 3.5 payments shall be due and payable within thirty (30) days following the date of our All event will we be liable for any incidental, special, punitive or consequential damages, loss of invoice without any deductions. The customer will be in default one day after the expiry date profits or loss of data in such case. without any further warning notice being required. 8.3 Our liability for damages under warranties (Beschaffenheitsgarantien) is limited to instances 3.6 customers‘ rights of retention or set-off are hereby excluded to the extent that they are All in which the warranty expressly includes such liability. not based on the same contractual relationship. Retentions or set-offs are allowed only if the 8.4 Claims for the reimbursement of expenditures and other liability claims asserted by the customer‘s claim is nondisputed or has become unappeasable. Customer against us are subject to sections 8.1 through 8.3. 3.7 the event of a customer‘s default in payment or other apparent credit unworthiness, all In 9. CONFIDENTIALITY remaining claims against that customer shall become immediately due and payable in full. 9.1 he Parties shall hold in strict confidence for an indefinite period of time all data and T We shall then be entitled to rescind payment terms previously agreed upon and to demand information materials of which they gain knowledge as part of a Contract, be it orally, in payment in advance or other appropriate security with respect to pending deliveries. A writing or otherwise, directly or indirectly, provided that such data or information materials customer shall be deemed unworthy of credit in particular when he files a petition in ban- are designated confidential or must be considered confidential based on their nature, and kruptcy or composition proceedings. shall use them exclusively as part of the services covered by the relevant Order. This duty of 4. INTELLECTUAL PROPERTY RIGHTS AND INDEMNITIES confidentiality excludes data and information materials that: 4.1 copyrights and other intellectual property rights in connection with our Products remain All a) were already known or accessible to any third party at the time of disclosure; with us. All data carriers remain our property. The customer may not modify, publish, trans- b) ne of the parties legitimately receives from a third party following disclosure, and such o mit, transfer or sell, reproduce, create derivative works from, distribute, perform, display, or third party is not bound by a duty of confidentiality in relations with the other Party; in any way exploit any of the Products made available by us, in whole or in part, except as c) ust be disclosed by order of and to a government agency or another competent third m expressly permitted under the Contract. party; and 4.2 Upon delivery of the Products to the customer and payment of the agreed fee, the customer d) ust be disclosed to legal or tax advisors of the contractual customer in question for m obtains a non-exclusive, non-transferable, perpetual, worldwide right to use the Products consulting purposes. provided to the customer for its internal purposes or any additional purposes set out in the the cases of Sections c) and d), the parties shall (i) promptly inform each other about a In Order Form. A right to resell our Products requires our prior written approval. given request and prior to disclosing confidential information, and (ii) limit the disclosure of 4.3 the event that the parties agree on a “Single User License” under the Order Form, this In confidential information to the minimum required. means that only one individually named user of an organization shall be entitled to access 9.2 e may use the Customer as a reference so long as no contractual details are divulged. W the report. In the event that the parties agree on a “Site License” under the Order Form, this 10. JURISDICTION, GOVERNING LAW, MISCELLANEOUS means that all users within a given geographical location (as specified in the Order Form) 10.1 lace of payment is Hamburg, Germany. P of an organization shall be entitled to access the report. In the event that the parties agree 10.2 ll disputes arising from or in connection with any Contract between the parties shall be A on a “Global Site License”, this means that all worldwide users of an organization shall be resolved through the courts of Hamburg. Governing law is German law. yStats.com GmbH Co. KG Telefon: +49 (0) 40 - 39 90 68 50 info@ystats.com www.twitter.com/ystats Behringstr. 28a, 22765 Hamburg Fax: +49 (0) 40 - 39 90 68 51 www.ystats.com www.facebook.com/ystats