The new “Europe Online Payment Methods 2013 – Second Half 2013“ report by Hamburg-based secondary market research company yStats.com indicates that online payment continues to grow in acceptance, driven by fast growing E-Commerce in the region. Use of mobile devices in online as well as traditional retail purchases is growing in European nations along with other areas of the world.

1. Press Release
Hamburg, December 3, 2013
RESEARCH ON INTERNATIONAL MARKETS
WE DELIVER THE FACTS YOU MAKE THE DECISIONS
Mobile payment for goods and services increasingly accepted in
Europe.
The new “ Europe Online Payment Methods 2013 – Second Half 2013“ report by Hamburgbased secondary market research company yStats.com indicates that the online payment
continues to grow in acceptance, driven by fast growing E-Commerce in the region. Use of
mobile devices in online as well as traditional retail purchases is growing in European nations
along with other areas of the world.
In Europe, the share of alternative payments, including mobile and e-wallets, is forecasted to gradually
increase from just 1% of total payments in 2010 to a double digit share in 2020. Mobile banking is
gaining in popularity throughout Europe. The highest mobile banking penetration in Europe is in
Turkey, Spain and the Netherlands, and online banking penetration (above 80%) is the highest in
Norway, Finland and the Netherlands.
Online and mobile payment methods in the mature markets of Central Europe are well established as
growth continues. In Germany, invoice and PayPal were the two most preferred payment methods in
B2C E-Commerce. Mobile payments are increasing with slightly above 10% of consumers using
mobile payments in parking or ticketing terminals and POS at least once in 2012. In Austria and
Switzerland, the majority of online shoppers used invoice to pay in online shops, with credit cards in
second place.
Online payment acceptance continues in the Western Europe sub-region, where the value of mobile
payment transactions is expected to grow by half in 2013 over last year. In the UK, online shoppers
are increasingly paying with debit cards, with online debit card spending overtaking that of credit card
in 2012. Regarding mobile payments, around two thirds of consumers in the UK have not yet used it,
but have heard of it, and slightly above 10% used it at least once. In France, three of the major banks
cooperated to launch an online payment system Paylib in September 2013, an inter-bank alternative
to PayPal. The payment method most used by online shoppers in the first half of this year in France
was bank card. The potential of mobile payment in France is indicated in that several millions of NFC
capable mobile devices are in use and over 100,000 retail stores had NFC terminals by September
2013.
Among other countries of Western Europe, in Italy credit card is expected to remain the dominant
payment method in B2C E-Commerce through 2013, though the value of mobile payment
transactions, including remote payments and M-Commerce, got close to EUR 1 billion last year. In the
Netherlands, around three quarters of online shoppers preferred to pay via a local online banking
solution iDEAL in 2012, making it the dominant payment method in Dutch B2C E-Commerce. iDEAL
also dominated in M-Commerce. In Spain, several players launched mobile payment solutions,
including NFC payments at POS.
Online and mobile payment increased in Eastern Europe also. Online payments in Russia are close to
reaching EUR 10 billion in 2013, growing by at double digit growth rates. Cash on delivery prevailed
as a payment method in B2C E-Commerce, used by over half of online Russian shoppers in 2013. In
Estonia, credit cards were popular in domestic E-Commerce and debit cards in cross-border ECommerce. Online payment services and credit cards significantly gained in usage by online shoppers
in Poland, but cash on delivery remained the most preferred method. Moreover, in Poland, 6 major
banks cooperated in July 2013 to create a mobile POS payment system. In Turkey, in the first three
quarters of 2013, the number of online payment transactions made with domestic cards reached a
value of over EUR 10 billion.
yStats.com GmbH & Co. KG • Behringstrasse 28a • D-22765 Hamburg • Phone +49 (0) 40 39 90 68 50 • Fax +49 (0) 40 39 90 68 51
press@ystats.com • www.ystats.com • www.twitter.com/ystats • www.linkedin.com/company/ystats • www.facebook.com/ystats

2. RESEARCH ON INTERNATIONAL MARKETS
WE DELIVER THE FACTS YOU MAKE THE DECISIONS
The number of mobile banking users in Turkey doubled between 2012 and 2013. In Ukraine, cash
remains the most popular payment method in B2C E-Commerce, whilecredit cards account for only a
small share of transactions.
In Scandinavia, the most used payment method among online shoppers in Denmark in 2013 was
Credit or Debit Card. In a sample month early this year the majority of online shoppers in Finland
preferred direct payment through bank in B2C E-Commerce, while in Norway over half of online
shoppers preferred to pay with credit or debit card and the payment method most preferred by online
shoppers in Sweden was invoice.
For further information, see: http://ystats.com/en/reports/preview.php?reportId=1056
Press Contact:
yStats.com GmbH & Co. KG
Behringstrasse 28a, D-22765 Hamburg
Phone: +49 (0)40 - 39 90 68 50
Fax: +49 (0)40 - 39 90 68 51
E-Mail: press@ystats.com
Internet: www.ystats.com
Twitter: www.twitter.com/ystats
LinkedIn: www.linkedin.com/company/ystats
Facebook: www.facebook.com/ystats
About yStats.com
yStats.com has been committed to research up-to-date, objective and demand-based data on markets
and competitors for top managers 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 offering 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 • Behringstrasse 28a • D-22765 Hamburg • Phone +49 (0) 40 39 90 68 50 • Fax +49 (0) 40 39 90 68 51
press@ystats.com • www.ystats.com • www.twitter.com/ystats • www.linkedin.com/company/ystats • www.facebook.com/ystats