As economic conditions improve across Europe, micro, small, and medium enterprises (MSMEs) are starting to rebound. With consumers’ payment card use growing, accommodating their shifting payment preferences is increasingly valuable to merchants. As a result, the European merchant acquiring field has seen a surge in providers, old and new, offering mobile point-of-sale (m-POS) devices and attempting to differentiate themselves. The diversity of acquirers providing m-POS devices stems from the devices’ potential to generate new revenue streams, bolster acquiring relationships, and enhance the electronic payment experience for both consumers and retailers. To date, the devices represent only a small portion of the installed POS terminal base, but signs point to their rapidly becoming the preferred checkout instrument of retailers of all sizes due to the cost and efficiency savings of these handheld terminals.

1. Mercator Advisory Group 2012

2. European M-POS Providers
As economic conditions improve across Europe, micro, small, and medium
enterprises (MSMEs) are starting to rebound. With consumers’ payment
card use growing, accommodating their shifting payment preferences is
increasingly valuable to merchants. As a result, the European merchant
acquiring field has seen a surge in providers, old and new, offering mobile
point-of-sale (m-POS) devices and attempting to differentiate themselves.
The diversity of acquirers providing m-POS devices stems from the devices’
potential to generate new revenue streams, bolster acquiring relationships,
and enhance the electronic payment experience for both consumers and
retailers. To date, the devices represent only a small portion of the installed
POS terminal base, but signs point to their rapidly becoming the preferred
checkout instrument of retailers of all sizes due to the cost and efficiency
savings of these handheld terminals.
2014 Mercator Advisory Group

3. European M-POS Providers
Mercator Advisory Group’s latest research note, European M-POS
Providers, examines the opportunity among enterprises across the Europe
Union that are most likely to use m-POS devices. The note compares
leading providers in terms of price, functionality, and other features and
comments on future prospects for m-POS providers in Europe and beyond.
2014 Mercator Advisory Group

4. Tristan Hugo-Webb
Associate Director
International Advisory Service
Mercator Advisory Group
“The European m-POS market is extremely competitive, with traditional merchant
acquirers and new entrants competing to provide payment acceptance hardware
among Europe’s more than 21 million MSMEs. Providers of this relatively new
technology and payment product are seeking to differentiate themselves in a
number of ways and will the field will no doubt consolidate in the next few years,
but opportunity exists in Europe and beyond,” comments Tristan Hugo-Webb,
Associate Director of the International Advisory Service and the author of the
note.
2014 Mercator Advisory Group

5. Highlights of the Research Note
• Statistics that highlight the potential for m-POS devices
among small and medium-sized enterprises around in
Europe
• Comparison of the product offerings including
distribution partnerships, hardware costs, processing
fee structures, system operability, card network
operability and other notable features
• Commentary on the future prospects of European m-
POS providers in Europe and around the world
2014 Mercator Advisory Group

6. Fiure 1: DDA Ownership Across Africa, 2013E
2014 Mercator Advisory Group
Source: Mercator Advisory Group Estimates based
on World Bank historical data

7. About the Research Note
This research note contains 10 pages and 3 exhibits.
Companies mentioned in this note include: Visa Europe, BarclayCard, Elavon,
First Data, Intuit, PayPal, WorldPay, Adyen, Eirpoint, Handpoint, Optimal Payments,
iZettle, Santander UK, Payleven, SumUp, UBS, Paymax, and Wallet-E.
Members of Mercator Advisory Group’s International Payments Advisory Service
have access to these notes as well as the upcoming research for the year ahead,
presentations, analyst access, and other membership benefits.
For more information and media inquiries, please call Mercator Advisory Group's main
line: (781) 419-1700, send email to media@mercatoradvisorygroup.com.
For free industry news, opinions, research, company information and more visit us at
www.PaymentsJournal.com.
Follow us on Twitter @ http://twitter.com/MercatorAdvisor.
2014 Mercator Advisory Group

8. About Mercator Advisory Group
Mercator Advisory Group is the leading independent research and
advisory services firm exclusively focused on the payments and
banking industries. We deliver pragmatic and timely research and
advice designed to help our clients uncover the most lucrative
opportunities to maximize revenue growth and contain costs.
Our clients range from the world's largest payment issuers, acquirers,
processors, merchants and associations to leading technology
providers and investors. Mercator Advisory Group is also the publisher
of the online payments and banking news and information portal
PaymentsJournal.com.
2014 Mercator Advisory Group