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4. 4
GENERAL METHODOLOGY OF MARKET REPORTS
Secondary Market Research
 The 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.
 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.
Definitions
 The reports take into account a broad definition of B2C E-Commerce, which might include mobile commerce. As definitions may vary among sources, exact
definition used by the source (if available) is included at the bottom of the chart.
Chart Types
 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 Subtitle, 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.
Report Structure
 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.
Notes and Currency Values
 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.

5. 5
METHODOLOGY OF THE CURRENT REPORT
Report Coverage
 This report covers the online payment market in Europe. It takes into account a wide definition of online payment, including payment methods used in online
shopping and mobile payment, such as remote and proximity payments.
 The major countries in the region are covered, while data availability varied across the markets.
 The report includes data mostly published in 2016. The exact date of publication of the source is stated on each chart. The time period which the data refers to
differs by source.
Report Structure
 The global chapter opens the report, featuring an overview of global online and mobile payment developments.
 Next, information about regional development and country comparisons are included.
 The rest of the report contains country-specific information. Countries are grouped by advanced and emerging B2C E-Commerce markets. Within each group,
the countries are presented in the descending order of B2C E-Commerce sales.
 Depending on data availability, the following types of market information are included: payment methods most used by online shoppers, breakdown of E-
Commerce sales by payment methods, number and value of online/mobile payment transactions, rankings of online payment providers, mobile payment usage
and consumer awareness of mobile payment providers. Not all the mentioned types of information are available for each of the covered countries. For the two
countries leading in the region in B2C E-Commerce sales, also online and mobile payment trends and news about major players, such as payment providers,
banks and retailers are presented on text charts.

6. 6
DEFINITIONS
 ONLINE PAYMENT
Transfer of money made over the Internet following a consumer’s payment command, includes payments for product
and service purchased in (B2C) E-Commerce and M-Commerce.
 MOBILE PAYMENT
A wide definition of mobile payments includes remote payments made remotely in M-Commerce and proximity
payments made in-store, such as via QR code scanning and NFC technology.
 MOBILE PROXIMITY PAYMENT
A mobile payment where the merchant and the consumer are present in the same location and the interaction between
the consumer’s device (card, mobile device) and the POS is conducted using a proximity technology (e.g. NFC).
 NFC
Near Field Communication, a set of standards for smartphones and similar devices to create radio communication by
bringing them close together or having them touch each other. In that way, contactless data exchange and transactions
can take place.
 ALTERNATIVE PAYMENTS
Generally refers to payment methods other than credit card or bank card payments. Widely defined, alternative online
payment methods include bank transfers and direct debit, digital wallets, pre-paid cards and private label cards, invoice,
and digital currency. May also include cash on delivery and card schemes by local companies other than global card
brands.
 E-WALLET
A prepaid digital account, allowing users to store money and use it in online or mobile transactions. The examples of E-
Wallets include Alipay and PayPal.
 MOBILE WALLET
a software solution that enables consumers to store payment credentials, such as credit or debit card information, and
use the stored credentials to pay digitally for transactions made in-store, online or via mobile. Mobile wallets are
installed on mobile devices which are used to complete payments. The examples of mobile wallets include Apple Pay,
Samsung Pay and Android Pay.
 INSTANT PAYMENTS
Electronic payment solutions for retail which are available 24/7/365 and thus result in immediate or close-to-immediate
interbank clearing of transactions and crediting of the payees’ accounts and confirm the payment to the payer after
payment initiation.
 B2C E-COMMERCE The sale of products (and services) through electronic transactions via the Internet from businesses to consumers.
 M-COMMERCE
M-Commerce, also called “Mobile Commerce”, means the sale of products (and services) through transactions via
mobile devices.
 ONLINE SHOPPING
Purchase of products or services by consumers via the Internet. Broadly defined, may include business to consumer
and consumer to consumer transactions.
The following expressions and definitions are used in this Online Payment market report*:
Note: *the definitions used by the original sources might differ from the ones stated on this chart; the exact definition used by each source, where available, is included on the respective
charts

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TABLE OF CONTENTS (1 OF 10)
1. Management Summary
2. Global Developments
• Online and Mobile Payment Trends, H2 2016
• Breakdown of E-Commerce Sales by Payment Methods, in %, 2015 & 2020f
• Payment Methods Used in Online Shopping, in % of Online Shoppers, October 2015
• Payment Methods Used in Online Shopping, by Regions, in % of Online Shoppers, October 2015
• Top 3 Payment Methods Preferred in Cross-Border Online Shopping, in % of Cross-Border Online Shoppers, August 2016
• Top 3 Considerations When Choosing a Payment Method in Cross-Border Online Shopping,
• in % of Cross-Border Online Shoppers, August 2016
• Reasons To Choose the Preferred Payment Method in Cross-Border Online Shopping, in % of Cross-Border Online Shoppers, 2016
• Value of Online Payment Fraud, in USD billion, 2015 & 2020f
• Breakdown of Online Payment Fraud by Segments, in % and in USD billion, 2020f
• Security Authentication Features That Online Shoppers in the USA and the UK Would Consider Setting Up for Online Purchases in the
Next 12 Months, in %, November 2016
• Breakdown of the Number of Online Payment Options Offered, in % of Online Merchants, January 2016
• Top 10 Merchant Acquirers, by Volume, in USD billion, 2015
• Mobile Payments Share of Total Consumer Card Payments, in %, 2016e & 2021f
• Breakdown of Mobile Payments by Usage Case, by Europe and North America, 2016e
• Mobile Proximity Payment Transaction Value, in USD billion, 2014 & 2019f
• Number of Proximity Mobile Payment Users, in millions, 2014 – 2019f
• Mobile P2P Money Transfer Transaction Value, in USD billion, 2014 & 2019f
• Number of Mobile P2P Money Transfer Users, in millions, 2014 – 2019f
• Mobile and Wearable Contactless Payments, in USD billion, 2015 & 2018f
• Mobile Payment Usage In-Store and Online, in % of Respondents, by Generation, 2015
• Perception of Security of Mobile Payments, in % of Respondents, by Generations, 2015
• Share of Internet Users Who Look Forward to Being Able to Pay for More Transactions from Mobile Device, in %, by Asia-Pacific,
Europe, Latin America, the USA, and Global Average, August 2016
• Contactless Payment User Penetration, in % of Banked Population, July 2016
• Payment Methods Used in Mobile Shopping, in % of Mobile Shoppers, by Selected Regions, August 2016
• Products and Services Paid for via Mobile Wallet, in % of Mobile Shoppers Who Paid with Mobile Wallet, August 2016

8. 8
TABLE OF CONTENTS (2 OF 10)
2. Global Developments (Cont.)
• Share of Mobile Shoppers Paying with Mobile Wallets, by Selected Countries, in %, August 2016
• Probability of Using Mobile Wallets, in % of Smartphone Owners, by Selected Countries, July 2016
• Number of Mobile Money Accounts, by Registered and Active, by Selected Regions, in millions, December 2015
• Breakdown of Types of Payments Made with Mobile Money, by Number of Transactions and Value of Transactions, in %, December
2015
3. Europe
3.1. Regional
• Regulatory Trends in Online Payments, H1 2016
• Payment Methods Preferred in Online Shopping, in % of Online Shoppers, by Belgium, Germany, France, Italy, the Netherlands, the
Nordics, Poland, Spain and the UK, May 2016
• Share of Online Shoppers Who Abandoned Shopping Cart Due to Lack of Favorite Payment Method, in %, by Benelux, Germany,
Nordics and the UK, June 2016
• Three Factors Contributing to a Poor Online Shopping Experience, incl. Payment-Related, in % of Online Shoppers, by Benelux,
Germany, the Nordics and the UK, June 2016
• Breakdown of Retail Payment Transactions by Methods, incl. Mobile, in %, 2016
• Mobile Payment Readiness and Devices Preferred for Mobile Payment, in % of Internet Users with Bank Accounts, by Sub-Region,
Summer 2016
• Top 10 Countries By Mobile Payment User Penetration, in % of Surveyed Internet Users, September 2016
• Top 10 Countries By Mobile Payment User Penetration, in % of Surveyed Internet Users, September 2016
• Share of Online Shoppers Who Are More Inclined to Shop More Often from a Store Which Saves Their Payment Details for One-Click
Ordering, by Mobile Shoppers and Non-Mobile Shoppers, by Selected European Countries, the USA and Australia, April 2016
• Share of Internet Users Who Would Feel Confident that Their Money Is Secure If They Used Contactless Payments, April 2016
• Top Locations Where Consumers Would Want to Use Biometric Authentication for Payments, in % of Respondents, May 2016
• Expectations Regarding the Provision of Technical Support for Mobile Payments, in % of Millennials, by Germany, Italy, the Netherlands,
and the UK, July 2016
• Share of Millennials Who Use Mobile Payments and Who Tried Mobile Payments and Then Stopped Using Them, in %, July 2016
• Top 2 Providers Most Preferred by Millennials for Providing a Mobile Payment Service, in %, by Germany, Italy, the Netherlands, and the
UK, July 2016

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TABLE OF CONTENTS (3 OF 10)
3. Europe (Cont.)
3.1. Regional (Cont.)
• Mobile Payment Platforms Most Known to Millennials, in %, by Germany, Italy, the Netherlands, and the UK, July 2016
• Share of Millennials Using Mobile Payment Service from PayPal and Apple Pay, in %, by Germany, Italy, the Netherlands, and the UK,
July 2016
3.2. Western Europe
3.2.1. UK
• Online and Mobile Payment Trends and News about Players, H1 2016
• Online and Mobile Payment Trends and News about Players, H2 2016
• Top 3 Payment Methods Used in Online Shopping, in % of Online Shoppers, October 2015
• Breakdown of Card Spending by Chip & Pin, Contactless, Online, Mail and Telephone Order, in %, 2015
• Online Card Payment Statistics, incl. Online Card Spending, in GBP billion, Share of Total Card Spending, in %, and Average Online
Transaction Value, in GBP, 2014 & 2015
• Use of Mobile Payments, by Contactless, In-App and In-Store, in % of Smartphone Owners with a Credit/Debit Card, 2016
• Average Card Payment Transaction Value by Channel, incl. “Online” and “Contactless”, in GBP, 2015
• Value of E-Commerce Payments with Credit and Debit Cards, in GBP million, and Volume, in millions, by Retail and Services Sector, 12
Months to November 2016
• Breakdown of Security Concerns When Paying by Entering Credit/Debit Card Details Online, in % of Internet Users, 2013 - 2015
• Payment Methods Most Trusted in Online Shopping, in % of Online Shoppers, November 2016
• Breakdown of Frequency of Using a Mobile Phone for Transactional Activities, incl. “Making Payments in a Shop”, in % of Mobile Users,
2015
• Breakdown of Attitude Towards Security of Mobile Payments, in % of Mobile Users, by Age Group, Gender and Total, 2015
• Use of Mobile Payments, by Contactless, In-App and In-Store, in % of Smartphone Owners with a Credit/Debit Card, 2016
• Share of Internet Users Using Contactless Payment Cards, in %, 2015 & 2016
• Contactless Payment Statistics, incl. Number of Contactless Cards Issued, by Debit, Credit and Total, in millions, Monthly Spending on
Contactless Cards, in GBP million, Number of Monthly Contactless Transactions, in millions, and Average Value of Contactless
Transactions, in GBP, by Debit, Credit/Charge Cards and Total, Number of Accepting Terminals/Outlets, August 2015 & August 2016
• Services that Adults Would be Most Comfortable Using Biometric Identification for, incl. “Authorizing Payments”, in %, September 2015

10. 10
TABLE OF CONTENTS (4 OF 10)
3. Europe (Cont.)
3.2. Western Europe (Cont.)
3.2.1. UK (Cont.)
• Breakdown of Awareness and Usage of Peer-to-Peer Payments via Mobile or Online Applications, in % of Adult Credit/Debit Card
Owners, March 2016
• Brand Recognition and Usage Rate of Selected Mobile Wallet Services, in % of Millennials, May 2016
• Brands Most Trusted by Consumers for Delivering a Smartphone Wallet App, in % of Smartphone Owners, September 2015, February
2016, June 2016
3.2.2. Germany
• Online and Mobile Payment Trends and News about Players, H1 2016
• Online and Mobile Payment Trends and News about Players, H2 2016
• Breakdown of Online and Mail Order Sales, by Payment Methods, in % and in EUR million, 2014 & 2015
• Breakdown of Payment Methods Most Used in Online and Mail Order, in % of Shoppers, January 2013 – January 2016
• Breakdown of B2C E-Commerce Sales by Payment Methods, by incl. Amazon and excl. Amazon, in %, 2015
• Breakdown of Payment Methods Preferred in Online Shopping, in % of Online Shoppers, 2014 & 2015
• Payment Methods Most Used in Online Shopping, in % of Online Shoppers, 2015
• Payment Methods Used in Online Shopping, in % of Online Shoppers, July 2016
• Payment Methods Used in Mobile Shopping, in % of Mobile Shoppers, May 2015
• Most Known Digital Payment Systems, in % of Internet Users, May 2015
• Most Important Criteria When Choosing a Payment Method to Purchase Online, in % of Online Shoppers, 2015
• Breakdown of the Use of 3D Secure Authentication, in % of Online Retailers, 2015
• Risk Management Tools Used, in % of Online Retailers, 2015
• Perceived Advantages of Working with a Payment Service Provider, in % of Online Retailers Working with a Payment Service Provider,
July 2016
• Selected Service Providers Used for Offering Payment by Invoice, Direct Debit and Financing/Invoicing, in % of Online Retailers, July
2016
• Costs of Accepting Selected Payment Methods in B2C E-Commerce, by Direct and Indirect Costs, in EUR and in % For the Basis Case,
August 2016

11. 11
TABLE OF CONTENTS (5 OF 10)
3. Europe (Cont.)
3.2. Western Europe (Cont.)
3.2.2. Germany (Cont.)
• Breakdown of Retail Payment Transactions by Methods, incl. Mobile, in %, 2016
• Usage of and Interest in Mobile Payments In-Store and Payments Based on Biometric Identification In-Store, in % of Consumers, and in
% of Retailers, May 2016
• Share of Smartphone Users Who Used NFC Payment or Could Imagine Using It in the Future, in %, April 2016
• Reasons for Not Using NFC Payments, in % of Smartphone Users Who Have Not Used NFC Payments, April 2016
• Awareness of Mobile Payment Providers, incl. Mobile Wallets, in % of Adults, January 2016
3.2.3. France
• Payment Methods Most Used in B2C E-Commerce, in % of Online Shoppers, June 2015 & June 2016
• Value of Online Payment Transactions with Bank Cards, in EUR billion, 2014 & 2015
• Average Value of Online Payment Transactions with Bank Cards, in EUR, 2014 & 2015
• Awareness of Contactless Payments, and Usage of Contactless Mobile Payments, by Monthly Payment with NFC Card and with NFC-
Enabled Smartphone, in % of Internet Users, 2014 & 2015
• Number of Cards with Contactless Payment Functionality, in millions, May 2015 & May 2016
• Number of Retail Stores with Contactless Payment Terminals, in thousands, May 2015 & May 2016
• Number of Payment Transactions with Contactless Payment Cards, in millions, May 2015 & May 2016
• Share of Respondents Who Used 3D Secure, in %, 2015 & 2016
• Share of Respondents Who Trust PayPal with Personal Data, by Total, Ages 18-34, and Compared to a Bank, in %, June 2016
• Share of Respondents Who Used or Would Like to Use Contactless Payment, by Total Respondents and 18-34 Year-Olds, in %, June
2016
• Satisfaction with Various Aspects of Contactless Payment, in % of Contactless Payment Users, 2015 & 2016
• Breakdown of Readiness to Pay via Mobile Phone, in % of Internet Users, June 2016
3.2.4. Spain
• Payment Methods Used in Online Shopping, in % of Online Shoppers, 2015 & 2016
• Payment Methods Used in Mobile Shopping, in % of Mobile Shoppers, 2014 & 2015

12. 12
TABLE OF CONTENTS (6 OF 10)
3. Europe (Cont.)
3.2. Western Europe (Cont.)
3.2.4. Spain (Cont.)
• Breakdown of Aspects Most Important for Payment Methods in Online Shopping, in % of Online Shoppers, 2015
• Payment-Related Problems that Led to Cancellation of Online Purchase, in % of Online Shoppers, 2014 & 2015
• In-Store Mobile Payments Used, by Type, in % of Digital Shoppers, February 2016
• Mobile Payment Apps Installed, in % of Mobile Payment App Users, July 2016
3.2.5. Italy
• Breakdown of Payment Methods Used in Online Shopping, in % of Online Shoppers, October 2016
• Breakdown of B2C E-Commerce Sales, by Payment Methods, in %, 2012 - 2016f
• Breakdown of Online Purchases by Payment Methods, Q1 2016
• Average Online Purchase Value, by Payment Method, in EUR, Q1 2016
• Breakdown of Electronic Retail Payments, by Card Payments In-Store and Digital Payments, incl. Online and Mobile, 2013 – 2015
• Contactless Payment Statistics, incl. Number of Contactless Cards in Circulation, in millions, Number of Active Contactless Cards, in
millions, Value of Contactless Transactions, in EUR billion, Number of Contactless Transactions, in millions, Number of Contactless POS,
in thousands, 2012 – 2015
3.2.6. Netherlands
• Breakdown of Online Purchases by Payment Methods, in %, H1 2015 & H1 2016
• Breakdown of Selected Online Payment Method Users by Gender, Age Group and Education Level, in %, Q2 2016
• Share of “iDEAL” and “Credit Card” in Mobile Purchases, in %, H1 2015 & H1 2016
3.2.7. Sweden
• Breakdown of Preferred Payment Methods in Online Shopping, in % of Online Shoppers, Q4 2014 & Q4 2015
• Payment Methods Used and Preferred in Online and Mobile Shopping, in % of Online Shoppers, Q2 2016
• Reasons to Choose a Particular Payment Method, in % of Online Shoppers, Q2 2016
• Awareness and Usage of Mobile Wallet Solutions, in % of Internet Users, Q2 2016

13. 13
TABLE OF CONTENTS (7 OF 10)
3. Europe (Cont.)
3.2. Western Europe (Cont.)
3.2.8. Denmark
• Breakdown of Preferred Payment Methods in Online Shopping, in % of Online Shoppers, Q4 2014 & Q4 2015
• Breakdown of Payment Methods Used in Online Shopping, in % of Online Shoppers, and Breakdown of Cards Used in Online Shopping,
in % of Online Shoppers Paying with Cards, 2015
• Payment Methods Used and Preferred in Online and Mobile Shopping, in % of Online Shoppers, Q2 2016
• Awareness and Usage of Mobile Wallet Solutions, in % of Internet Users, Q2 2016
3.2.9. Belgium
• Breakdown of Online Purchases by Payment Methods, in %, Q1 2015 & Q1 2016
• Reasons for Not Shopping Online, incl. Payment-Related, in % of Individuals Who Do Not Shop Online, 2015
• Top 5 Preferred Payment Service Providers and Top 3 Criteria for Choosing a Payment Service Provider, According to Web Agencies,
October 2016
• Share of Online Shop Projects Where Mobile Payments Are Possible, in %, and Share of Online Shop Projects With Mobile Payments
Where In-App Payments Are Possible, in %, October 2016
• Breakdown of Barriers to Mobile Purchases, incl. Payment-Related, in % of Online Shoppers, June 2016
3.2.10. Switzerland
• Top Two Payment Methods Used in Online Shopping, in % of Online Shoppers, 2014 & 2015
3.2.11. Norway
• Breakdown of Preferred Payment Methods in Online Shopping, in % of Online Shoppers, Q4 2014 & Q4 2015
3.2.12. Austria
• Payment Methods Used in Online Shopping, in % of Respondents, 2015
3.2.13. Finland
• Breakdown of Payment Methods Preferred in Online Shopping, in % of Online Shoppers, Q4 2014 & Q4 2015

14. 14
TABLE OF CONTENTS (8 OF 10)
3. Europe (Cont.)
3.3. Eastern Europe
3.3.1. Russia
• Payment Methods Used in Online Shopping, in % of Online Shoppers, 2013 - 2015
• Payment Methods Used in Online Shopping, in % of Online Shoppers, by Gender and Location Type, 2015
• Share of Online Shoppers Paying by Bank Card and by Cash on Delivery, in %, October 2016
• Payment Methods Used in Online Shopping, in % of Online Shoppers, October 2016
• Payment Methods Used in Online Shopping, by Product Category, in % of Online Shoppers, December 2015
• Top 5 E-Money Services Used, in % of E-Money Users, December 2015
• Online Payment Value, in RUB billion, and in % Year-on-Year Change, 2014 – 2017f
• Share of Internet Acquiring, in % of Total Acquiring Volume, 2014 - 2016
• Top 9 Acquirers by Number of Online Shops Served from the Top 100 Online Shops by 2015 Revenue, May 2016
• Top 7 Payment Aggregators, Top 8 Payment Gateways and Top 5 Acquiring Banks and Top 6 E-Wallets Used by Digital Agencies When
Integrating Payment Instruments into Client Projects, April 2016
• Overview of Pricing of Top 7 Payment Aggregators Used by Digital Agencies, April 2016
• Overview of Pricing of Top 6 Payment Gateways Used by Digital Agencies, April 2016
• Selected Online Payment Solutions Used by E-Commerce Websites Which Accept Online Payment for Goods and Services, in % of E-
Commerce Websites Which Accept Online Payment for Goods and Services, Q4 2015 & Q4 2016
• Selected Online Payment Methods Offered by E-Commerce Websites Which Accept Online Payment for Goods and Services, in % of E-
Commerce Websites Which Accept Online Payment for Goods and Services, Q4 2015 & Q4 2016
• Selected Factors Considered When Evaluating the Quality of an Online Payment Service, in % of Online Merchants, Top 10 Reasons for
Cancelling an Online Payment Service and Top 10 Features of Online Payment Services According to Online Merchants, May 2016
• Share of Online Merchants Using 3D-Secure, in %, May 2016
• Online Payment Methods Used When Paying Online via Smartphone, in % of Users, March 2016
• Breakdown of Awareness and Usage of Contactless Payments, by Contactless Bank Cards and Contactless Payment with Mobile Phone,
in % of Adult Population, by Total, With and Without Higher Education, October 2016
3.3.2. Poland
• Payment Methods Used in Online Shopping, in % of Online Shoppers, 6 Months to December 2016

15. 15
TABLE OF CONTENTS (9 OF 10)
3. Europe (Cont.)
3.3. Eastern Europe (Cont.)
3.3.2. Poland (Cont.)
• Types of Mobile Payment Used, in % of Mobile Payment Users, 6 Months to December 2016
• Breakdown of Awareness of Apple Pay/Samsung Pay/Android Pay and Intention to Use These Services, in % of Internet Users,
December 2016
3.3.3. Turkey
• Number of Domestic E-Commerce Transactions with Bank Cards, in millions, and Value, in TRY million, Q1 2014 – Q3 2016
• Number of Cross-Border E-Commerce Transactions with Domestic Bank Cards, in millions, and Value, in TRY million, Q1 2014 – Q3
2016
3.3.4. Greece
• Payment Methods Used in Online Shopping, in % of Online Shoppers, 2016
• Most Important Features of Online Shops, incl. Payment-Related, in % of Online Shoppers, November 2015
3.3.5. Czech Republic
• Payment Methods Used in Online Shopping, in % of Online Shoppers, Q2 2016
• Payment Methods Used in Online Shopping, in % of Online Shoppers, by Gender and Age Group, Q2 2016
• Breakdown of Payment Methods Preferred in Online Shopping, in % of Online Shoppers, 2015
3.3.6. Czech Republic
• Payment Methods Offered by Online Shops, in % of Online Shops, June 2016
3.3.7. Ukraine
• Breakdown of Non-Cash Payments, by Online, POS and ATM, in %, 2015
• Value of Online Transactions with Bank Cards, in UAH billion, and Number of Online Transactions with Bank Cards, in millions, 2013 -
2015

16. 16
TABLE OF CONTENTS (10 OF 10)
3. Europe (Cont.)
3.3. Eastern Europe (Cont.)
3.3.8. Kazakhstan
• Payment Methods Used in Online Shopping, in % of Online Shoppers, 2016
3.3.9. Romania
• Breakdown of Payments for Online Purchases by Payment Methods, in %, 2015

17. 17
1. Management Summary 17 – 22
2. Global Developments 23 – 52
3.
3.1.
3.2.
3.2.1.
3.2.2.
3.2.3.
3.2.4.
3.2.5.
3.2.6.
3.2.7.
3.2.8.
3.2.9.
3.2.10.
3.2.11.
3.2.12.
3.2.13.
3.3.
3.3.1.
3.3.2.
3.3.3.
3.3.4.
3.3.5.
3.3.6
3.3.7.
3.3.8.
3.3.9.
Europe
Regional
Western Europe
UK
Germany
France
Spain
Italy
Netherlands
Sweden
Denmark
Belgium
Switzerland
Norway
Austria
Finland
Eastern Europe
Russia
Poland
Turkey
Greece
Czech Republic
Hungary
Ukraine
Kazakhstan
Romania
53 – 188
54 – 69
70 – 154
71 – 89
90 – 110
111 – 122
123 – 128
129 – 134
135 – 137
138 – 141
142 – 145
146 – 150
151 – 151
152 – 152
153 – 153
154 – 154
155 – 188
156 – 173
174 – 176
177 – 178
179 – 180
181 – 183
184 – 184
185 – 186
187 – 187
188 – 188

18. 6.1%
17.7%
28.9%
41.2%
54.2%
0% 25% 50% 75% 100%
E-Wallet
Payment Card
On Pick-up In-Store
Transfer via Online Banking
On Delivery
18
in % of Online Shoppers
“On delivery” was the leading payment method used by more than
half (54.2%) online shoppers in the Czech Republic in Q2 2016.
Czech Republic: Payment Methods Used in Online Shopping, in % of Online Shoppers, Q2 2016
Note: does not add up to 100% due to multiple answers possible
Survey: based on a survey of individuals aged 16-74; base for this question were respondents who purchased over the Internet in the previous 12 months
Source: Czech Statistical Office, November 2016

19. 19
Credit Card
53%Bancontact
40%
Others
7%
Q1 2016Q1 2015
The share of “Credit card” of online purchases in Belgium declined
from 53% in Q1 2015 to 51% in Q1 2016.
Belgium: Breakdown of Online Purchases by Payment Methods, in %, Q1 2015 & Q1 2016
Note: only shares of these two methods were provided, other methods were not specified
Survey: based on continuous tracking of retail panels and consumers, supplemented with additional consumer research
Source: BeCommerce, GfK, Worldline, Google, Post.nl, June 2016
Credit Card
51%
Bancontact
45%
Others
4%

20. 20