This document is a market report on online payment methods in Europe in the first half of 2015. It provides key findings on preferences for different payment methods across Western and Eastern European countries. In Western Europe, card payments are most popular, while alternative methods like cash on delivery are more common in Eastern Europe. The report also notes a rising trend in mobile payments across the region. It includes data on online and mobile payment volumes, consumer attitudes and emerging players in different European payment markets between 2011-2015. The report methodology explains that information is gathered from various secondary sources to ensure objectivity.

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EUROPE ONLINE PAYMENT METHODS: FIRST HALF 2015
PUBLICATION DATE: AUGUST 2015
PAGE 2 GENERAL INFORMATION I PAGE 3 KEY FINDINGS I PAGE 4-7 TABLE OF CONTENTS I PAGE 8 REPORT-SPECIFIC SAMPLE
CHARTS I PAGE 9 METHODOLOGY I PAGE 10 RELATED REPORTS I PAGE 11 CLIENTS I PAGE 12-13 FREQUENTLY ASKED QUESTIONS
PAGE 14 ORDER FORM I PAGE 15 TERMS AND CONDITIONS

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PRODUCT DETAILS Title:
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Europe Online Payment Methods: First Half 2015
Market Report
Online Payment
Global, Europe
UK, Germany, France, Spain, Italy, Netherlands, Sweden, Norway,
Finland, Denmark, Switzerland, Russia, Turkey, Poland, Czech
Republic, Hungary, Belarus, Estonia
English
PDF & PowerPoint
87
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QUESTIONS
ANSWERED
IN THIS REPORT
Which payment methods are most frequently used by online shoppers across Europe?
How do preferences for online payments differ in Western and in Eastern Europe?
How large is the volume of online payments with cards in selected countries of the region?
What trends can be observed in the online payment markets worldwide and in Europe?
How are mobile payments developing in various European markets?
SECONDARY MARKET
RESEARCH
Our reports are exclusively based on secondary market research. Our researchers derive
information and data from a variety of reliable published sources and compile the data into
understandable and easy-to-use formats.
ADVANTAGES Maximum Objectivity
Reliable Sources
Up-To-Date Analysis
Boardroom-Ready PowerPoint Presentations
Guidance For Strategic Company Decisions
EUROPE ONLINE PAYMENT METHODS: FIRST HALF 2015

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PREFERENCE FOR ONLINE PAYMENT METHODS DIFFER BETWEEN EASTERN
AND WESTERN EUROPE
In Europe, online shoppers show varying preferences for payment methods used when making
purchases over the Internet. In countries such as the UK, France, Spain, Italy and the Nordics, card
payments have a clear lead. This trend in Western Europe is disrupted by a few exceptions only, including
Germany where invoice and direct debits accounted for a larger share of online sales than credit cards in
2014, and the Netherlands where local banking method iDEAL holds more than half of the market.
On the other hand, alternative payment methods dominate in some emerging markets in Eastern
Europe. In the Czech Republic and Belarus, over half of online shoppers paid by cash on delivery in 2014,
while in Poland online bank transfer was in the lead, followed by cash, and in Hungary more than two
thirds of online purchases were paid for on delivery, either by card or in cash. In Russia, the largest
market in the sub-region, card payments overtook cash on delivery as the payment method most used by
online shoppers in 2014, but cash still ranks second and is followed by various alternative methods such
as E-Money or use of payment terminals.
A common trend in both parts of the region is the rise of mobile payments. Turkey was the
Europe’s leader in share of mobile device owners who already had experience with mobile payments, as
of early 2015. Apple Pay launched in the UK this summer, though according to some surveys, more
Internet users in this country would rather trust their bank or PayPal to provide a mobile wallet. In-store
mobile payments via contactless technology are also gaining pace. For example, in France the number of
retail locations accepting such payments reached more than a quarter of a million.
EUROPE ONLINE PAYMENT METHODS: FIRST HALF 2015

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MANAGEMENT SUMMARY
GLOBAL DEVELOPMENTS
 Online and Mobile Payment Trends and News about Players, H1 2015
 Overview of Alternative Online Payment Methods, H1 2015
 Payment Methods Used in M-Commerce, in % of Surveyed Mobile Phone Users, February 2015
 Mobile Payment User Penetration, in % of Shoppers, by Selected Regions and the USA, 2014
 Perception of Security of Mobile Payments, by Selected Regions, and by Age Group, in % of Shoppers, 2014
 Mobile Payment Users Penetration, by Product/Service Category, by UK, France, Germany, Italy, USA, Japan,
Australia, Spain, China, in % of Mobile Phone Users, 2014
 Types of Mobile Payments Used for Purchasing Non-Digital Goods, by UK, France, Germany, Italy, USA, Japan,
Australia, Spain, China, in % of Mobile Phone Users, 2014
 Types of Mobile Payments Used for Purchasing Non-Digital Services, by UK, France, Germany, Italy, USA,
Japan, Australia, Spain, China, in % of Mobile Phone Users, 2014
 Share of Online Shoppers Who Would Use Digital Currency, in % of Online Shoppers, by Selected Countries
and Territories, 2014
EUROPE
3.1 EUROPE REGIONAL
 Current and Intended Use of Mobile Payment Methods, in % of Mobile Device Owners, February 2015
3.2 WESTERN EUROPE
3.2.1 UK
 Online and Mobile Payment Trends and News about Players, H1 2015
 Breakdown of Online Card Spending, by Credit and Debit Cards, in GBP billion, 2010 – 2014
 Innovative Features That Would Encourage More In-Store Visits, incl. Mobile Payment, in % of Online
Shoppers, April 2015
 Contactless Card Payment Statistics, incl. Number of Cards, Number and Value of Transactions, by
Credit/Charge and Debit Cards, and Number of Bank-Owned Terminals with Contactless Functionality
December 2014
 Breakdown of Awareness of Mobile Wallets/Mobile Payments, in % of Consumers, by Selected Age Groups,
February 2015
 Companies Most Trusted With Provision of Mobile Digital Wallet, in % of Internet Users Owing an iPhone, Q1
2015
EUROPE ONLINE PAYMENT METHODS: FIRST HALF 2015
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TABLE OF CONTENTS (1 OF 4)

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EUROPE (cont.)
3.2 WESTERN EUROPE (cont.)
3.2.2 GERMANY
 Online and Mobile Payment Trends and News about Players, H1 2015
 Payment Methods Used in Online Shopping, in % of Online Shoppers, 2011 & 2014
 Online Payment Services Used, in % of Online Shoppers Who Paid Using Online Payment Services, 2014
 Breakdown of Interactive Retail Sales by Payment Methods, in EUR billion and in %, 2013 & 2014
 Breakdown of the Last Online Purchase by Payment Methods, in % of Online Shoppers, 2014
 Breakdown of Online Shopping Spending for the Last Purchase by Payment Methods, in %, 2014
 Breakdown of B2C E-Commerce Sales by Payment Methods, in %, 2014
 Breakdown of Awareness and Usage of Mobile Payments, by Payment Type, in % of Respondents, 2014
 Breakdown of Contactless Mobile Payment Usage, in % of Consumers, May 2015
 Breakdown of Smartphone Users Willing to Use Mobile Contactless Payment via Smartphone by Gender, in %,
November 2014
3.2.3 FRANCE
 Payment Methods Most Used in B2C E-Commerce, in % of Online Shoppers, Q1 2014 & H1 2015
 Value of Online Bank Card Payment Transactions, in EUR billion, 2013 & 2014
 Value of Online Bank Card Payment Transactions, in EUR billion and in % Year-on-Year Change, Q1 2014 - Q1
2015
 Number of Cards with Contactless Payment Functionality, in millions, April 2014 & April 2015
 Number of Retail Stores with Contactless Payment Terminals, in thousands, April 2014 & April 2015
 Number of Contactless Payment Transactions, in millions, April 2014 & April 2015
3.2.4 SPAIN
 Payment Methods Used in Online Shopping, in % of Online Shoppers, 2014
 Breakdown of Attitudes to Mobile Payments, in % of Consumers, 2014
3.2.5 ITALY
 Breakdown of B2C E-Commerce Sales, by Payment Methods, in %, 2012 - 2015f
 Breakdown of Digital Payments, by Electronic Payment with Credit Card, Online and Mobile, in %, 2013 & 2014
 Breakdown of Online and Mobile Payments, by Type, in %, 2013 & 2014
3.2.6 NETHERLANDS
 Breakdown of Online Purchases by Payment Method, in %, 2014
 Breakdown of Online Purchases by Payment Method, by Shopping Channel, in %, 2014
EUROPE ONLINE PAYMENT METHODS: FIRST HALF 2015
TABLE OF CONTENTS (2 OF 4)
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EUROPE (cont.)
3.2 WESTERN EUROPE (cont.)
3.2.7 SWEDEN
 Breakdown of Preferred Payment Methods in Online Shopping, in % of Online Shoppers, 2013 & Q4 2014
3.2.8 NORWAY
 Breakdown of Preferred Payment Methods in Online Shopping, in % of Online Shoppers, 2013 & Q4 2014
3.2.9 FINLAND
 Breakdown of Preferred Payment Methods in Online Shopping, in % of Online Shoppers, 2013 & Q4 2014
3.2.10 DENMARK
 Breakdown of Preferred Payment Methods in Online Shopping, in % of Online Shoppers, 2013 & Q4 2014
3.2.11 SWITZERLAND
 Payment Methods Used in Online Shopping, in % of Online Shoppers, 2014
3.3 EASTERN EUROPE
3.3.1 RUSSIA
 Online and Mobile Payment Trends and News about Players, H1 2015
 Payment Methods Used in Online Shopping, in % of Online Shoppers, 2013 & 2014
 Payment Methods Used in Online Shopping, in % of Online Shoppers, by Gender and Location Type, 2014
 Payment Methods Used in Online Shopping, in % of Online Shoppers, 2011 - 2014
 Share of Active Internet Users Who Used Mobile Payments, in %, by Age Group and Location Type, March
2015
 Online Payment Methods Offered, in % of E-Commerce Websites, Q1 2014 & Q1 2015
 Awareness and Usage of E-Money Services, in % of E-Money Users, May 2015
 Breakdown of E-Money Usage by Device, in % of E-Money Users, May 2015
 Share of NFC-Enabled Smartphones of Total Smartphones Sold, by Share of Units Sold and Share of
Revenues, in %, 2012 - 2014 and Breakdown of Revenues from NFC Smartphone Sales by Brands, in %,
2014
3.3.2 TURKEY
 Number and Value of Domestic E-Commerce Transactions with Cards, in millions and in TRY million, Q1
2012 - Q1 2015
EUROPE ONLINE PAYMENT METHODS: FIRST HALF 2015
TABLE OF CONTENTS (3 OF 4)
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EUROPE (cont.)
3.3 EASTERN EUROPE (cont.)
3.3.2 TURKEY (cont.)
 Number and Value of Cross-Border E-Commerce Transactions with Cards, in millions and in TRY million,
Q1 2012 - Q1 2015
3.3.3 POLAND
 Payment Methods Used in Online Shopping, in % of Online Shoppers, 2014
 Breakdown of Payment Methods Most Used in Online Shopping, in % of Online Shoppers, 2014
 Payment Methods Used When Paying via Mobile Phone, in % of Individuals Who Paid with Mobile Phone,
October 2014
3.3.4 CZECH REPUBLIC
 Payment Methods Used in Online Shopping, in % of Online Shoppers, Q2 2014
 Payment Methods Used in Online Shopping, in % of Online Shoppers, by Gender and Age Group, Q2 2014
3.3.5 HUNGARY
 Share of Payment On Delivery of Total Online Shopping Spending, in %, 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 – H2 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 – H2 2014
3.3.6 BELARUS
 Breakdown of Last Online Purchase by Payment Methods, in % of Online Shoppers, September 2014
3.3.7 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 – Q1 2015
 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 – Q1 2015
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EUROPE ONLINE PAYMENT METHODS: FIRST HALF 2015
TABLE OF CONTENTS (4 OF 4)

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EUROPE ONLINE PAYMENT METHODS: FIRST HALF 2015

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GENERAL METHODOLOGY OF OUR MARKET REPORTS
 Our reports are compiled based on secondary market
research. Secondary research is information gathered from
previously published sources. Our reports are solely based on
information and data acquired from national and international
statistical offices, industry and trade associations, business
reports, business and company databases, journals, company
registries, news portals and many other reliable sources. By using
various sources we ensure maximum objectivity for all obtained
data. As a result, companies gain a precise and unbiased
impression of the market situation.
 Cross referencing of data is conducted in order to
ensure validity and reliability.
 The source of information and its release date are
provided on every chart. It is possible that the information
contained in one chart is derived from several sources. If this is
the case, all sources are mentioned on the chart.
 Our reports include text charts, pie charts, bar charts,
rankings, line graphs and tables. Every chart contains an Action
Title, which summarizes the main idea/finding of the chart and a
Sub Title, which provides necessary information about the
country, the topic, units or measures of currency, and the
applicable time period(s) to which the data refers. With respect to
rankings, it is possible that the summation of all categories
amounts to more than 100%. In this case, multiple answers were
possible, which is noted at the bottom of the chart.
 Reports are comprised of the following elements, in the
following order: Cover page, preface, legal notice, methodology,
definitions, table of contents, management summary
(summarizing main information contained in each section of
report) and report content (divided into sections and chapters).
When available, we also include forecasts in our report content.
These forecasts are not our own; they are published by reliable
sources. Within Global and Regional reports, we include all major
developed and emerging markets, ranked in order of importance
by using evaluative criteria such as sales figures.
 If available, additional information about the data
collection, for example the time of survey and number of people
surveyed, 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 are most often used. When referencing currency
values 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.
 The reports include mainly data from the last 12 months
prior to the date of report publication. Exact publication dates are
mentioned in every chart.
METHODOLOGY OF OUR EUROPE ONLINE PAYMENT METHODS: FIRST HALF 2015 REPORT
 This report covers the online payment market. It takes
into account a wide definition of online payment, including
payment methods used in E-Commerce and mobile payment,
such as remote and proximity payments.
 All major countries in the region are covered, though
data availability varied across the markets.
 Countries are grouped by sub-regions, presented in the
descending order of B2C E-Commerce sales. Besides country and
regional data, information about global development is also
included.
 Depending on data availability, the following types of
market information are included: the most used payment
methods among online shoppers, number and volume of online
and mobile payment transactions, information about online and
mobile payment users. Not all the mentioned types of information
are available for each of the covered countries. For the leading
country or countries in each region or sub-region, also online and
mobile payment trends and news about major players, such as
payment providers, banks and retailers are presented.
 The report includes data mostly published within the first
six months of the year of publication. The exact date of publication
of the source is stated on each chart. The time period which the
data refers to differs by source.
EUROPE ONLINE PAYMENT METHODS: FIRST HALF 2015

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UPCOMING RELATED REPORTS
Global Online Payment Methods: First Half 2015 July 2015 € 1,950
Company Profiles of 10 Leading Online Payment Service Providers 2015 July 2015 € 2,950
Europe Online Payment Methods: Full Year 2014 March 2015 € 1,950
Top 8 Global B2C E-Commerce Country Sales Forecasts: 2015 to 2018 July 2015 € 2,950
UK B2C E-Commerce Sales Forecasts: 2015 to 2018 July 2015 € 450
Germany B2C E-Commerce Sales Forecasts: 2015 to 2018 July 2015 € 450
France B2C E-Commerce Sales Forecasts: 2015 to 2018 July 2015 € 450
Russia B2C E-Commerce Sales Forecasts: 2015 to 2018 July 2015 € 450
Eastern Europe B2C E-Commerce Market 2014 October 2014 € 1,950**
Europe M-Commerce Snapshot 2015 March 2015 € 950
Europe Clothing B2C E-Commerce Market 2015 January 2015 € 1,450
Global B2C E-Commerce and Online Payment Methods 2014 October 2014 € 5,950**
REPORT PUBLICATION
DATE
PRICE*
Global Mobile Payment Methods: First Half 2015 August 2015 € 950
Global Alternative Online Payment Methods: First Half 2015 August 2015 € 950
EUROPE ONLINE PAYMENT METHODS: FIRST HALF 2015
**Reflects Discounted Price

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