Free Report Samples for our publication " Europe Online Payment Methods: Second Half 2017". Find the full updated 2021 report available for purchase at: https://bit.ly/3lS93DH

2. © Copyright 2015 ystats.com GmbH & Co. KG, 22765 Hamburg, Germany 2

3. 3

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
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
reported 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 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 within the second of 2017. 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, trends in online payment security and fraud, 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 and banks 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. Mobile wallets are often included in the broader category of E-Wallets.
 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.
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

7. 7
TABLE OF CONTENTS (1 OF 6)
1. Management Summary
2. Global Developments
• Breakdown of E-Commerce Sales by Payment Methods, in %, 2021f
• Top Two Payment Methods Preferred in Cross-Border Online Shopping, in % of Cross-Border Online Shoppers, 2016 & 2017
• Penetration of Bank Account Holders Willing to Share Personal Financial Data with Third-Party Providers to Use Their Services, in %, by
Selected Countries, August 2017
• Share of Internet Users Who Believe that Mobile Payment is Not Secure, October 2016
• Mobile Payment User Penetration, in % of Internet Users, by Regions, Q4 2015 & Q2 2017
• Apple Pay User Penetration Compared to Overall Mobile Payment User Penetration, in % of Internet Users, by Penetrated Markets, Q2
2017
• FinTech Adoption Rate, in % of Internet Users, by Selected Countries, 2017
• Most Used FinTech Services According to Internet Users, in %, 2017
• Most Relevant Emerging Technologies for Large FinTech and Financial Companies to Invest In, in % of Respondents in Each Group,
April 2017
• Top 10 VC-Backed FinTech Unicorns by Valuation, in USD billion, Q3 2017
3. Europe
3.1. Regional
• Top 10 Payment Methods Preferred in E-Commerce, in % of Online Shoppers, 2016 & 2017
• Concerns That Internet Users in the EU Have About Using The Internet for Online Banking or Buying Things Online, in % of Internet
Users, June 2013 & June 2017
• Share of Internet Users in the EU Concerned About the Security of Online Payments, in %, by Country, June 2017
• Cybercrimes That Internet Users in the EU are Concerned About, in %, June 2017
• Share of Internet Users in the EU Who Were Victims of Bank Card or Online Banking Fraud, in %, by Country, June 2017
• Overview of PSD2 Implementation Timeline, January 2018
• Examples of New and Improved Payment Services That Could Be Triggered by PSD2, July 2017
• Ways in Which Retailers Plan to Use APIs Following PSD2, in % of Payment Executives at Large Retailers Familiar with Open Banking,
August 2017
• Payment Actors That Are Expected to Benefit the Most from PSD2 Implementation According to European Banks, in %, June -
September 2017

8. 8
TABLE OF CONTENTS (2 OF 6)
3. Europe (Cont.)
3.1. Regional (Cont.)
• Value of Disclosed Funding of European FinTech Companies, in USD million, and Number of Deals, 2013 - 2016 & January-August 2017
• Breakdown of Disclosed Funding of European FinTech by Country, by Number of Deals and Value of Deals, in %, 2013 - August 2017
• Top 10 Most Well Funded FinTech Companies, by Disclosed Funding, in USD million, August 2017
• Top Countries in Western Europe by Proximity Mobile Payment User Penetration, in % of Smartphone Users, 2018f
3.2. Advanced Markets
3.2.1. UK
• Online and Mobile Payment Trends, January 2018
• Top 3 Payment Methods Used in E-Commerce, in % of Internet Users, 2017
• Top 3 Reasons for Checkout Abandonment, in % of Internet Users, 2017
• Share of Consumers Willing to Give Online Retailers Permission to Initiate Payments Directly From Their Bank Account Using Apps or
Websites, in %, by Total Consumers, Millennials and Generation Z, August 2017
• Most Appealing Use Cases of Open Banking, in % of Bank Account Holders, August 2017
• Organizations Most Trusted With Providing Open Banking Services, in % of Bank Account Holders, August 2017
• Factors That Would Encourage Consumers to Move from Browse to Buy Online, in %, June 2017
• Reasons for Not Shopping Online, incl. Payment-Related, in % of Adults Who Have Not Purchased Online, by Age Group, Q1 2017
• Card-Not-Present Purchase Fraud Loss on UK-Issued Cards, by E-Commerce, Mail Order and Telephone Order and Total Remote, in
GBP million, and Share of Total Card Purchase Fraud Loss, in %, 2011 - 2016 & H1 2017
• Proximity Mobile Payment Users Number, in millions, and Penetration, in % of Smartphone Users, 2016 -2021f
• Breakdown of Apple Pay and Android Pay Users by Age Group, in %, Compared to Total Adults, 2016
• Most Valued Aspects of Mobile Payment, in % of Mobile Payment Users, July 2017
• Share of Internet Users Who Have Used Fingerprint Technology to Pay for Goods and Who Have Used “Selfie” Payments, in %, 2017
3.2.2. Germany
• Online and Mobile Payment Trends, January 2018
• Payment Methods Used in E-Commerce, in % of Online Shoppers, May 2017
• Top Payment Methods Offered in an Online Store and in a Brick-and-Mortar Store, in % of Merchants, September 2017
• Types of Credit and Debit Cards Accepted in an Online Store, in % of Merchants with an Online Store, September 2017

9. 9
TABLE OF CONTENTS (3 OF 6)
3. Europe (Cont.)
3.2. Advanced Markets (Cont.)
3.2.2. Germany (Cont.)
• Payment Methods Offered, in % of Top 1,000 Online Shops, 2015 & 2016
• Most Important Payment Trends for the Next 3 Years According to Online Merchants, in % of Online Merchants, 2017
• Breakdown of Implementation of Express Checkout Solutions, in % of Online Merchants, 2017
• Breakdown of Optimization of Payment Process for Mobile, in % of Online Merchants, 2017
• Payment Indicators Monitored by Online Merchants, in % of Online Merchants, 2017
• Card Acquirers Used by Online Merchants, in % of Online Merchants, 2017
• Payment Service Providers Used by Online Merchants, in % of Online Merchants, 2017
• Perception of Tokenization Among Consumers and Merchants, in %, 2016
• Share of Consumers Who Have Used Payment via Smartphone, in %, and Share of Non-Users Who Could Imagine Paying With a
Smartphone in the Future, in %, April 2017
• Reasons for Cancelling a Purchase via Smartphone, in % of Smartphone Shoppers, 2017
3.2.3. France
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, June 2017
• Breakdown of Main Barriers That Make Consumers Hesitant to Purchase Online, in %, by Total Population and Online Shoppers, June
2017
• Share of 3D Secure Payments, in % of Online Card Payments, April 2011 – April 2017
• Mobile Payment User Penetration, in % of Smartphone Users, March 2017
• Number of Mobile Payment Users, in millions, June 2015, June 2016 & March 2017
3.2.4. Spain
• Payment Methods Used in E-Commerce, in % of Online Shoppers, 2016 & 2017
• Payment Methods Used in M-Commerce, in % of Mobile Shoppers, 2016 & 2017
• Breakdown of Factors Most Important in Online Payment Methods, in % of Online Shoppers, October 2017

10. 10
TABLE OF CONTENTS (4 OF 6)
3. Europe (Cont.)
3.2. Advanced Markets (Cont.)
3.2.5. Italy
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, June 2017
• Breakdown of Awareness and Usage of New FinTech Services, in % of Internet Users, 2017
3.2.6. Netherlands
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, June 2017
3.2.7. Sweden
• Payment Methods Used and Preferred in Online and Mobile Shopping, in % of Online Shoppers, Q2 2017
• Reasons to Choose a Particular Payment Method, in % of Online Shoppers, Q2 2017
• Awareness and Usage of Mobile Payment Solutions, in % of Internet Users, Q2 2017
3.2.8. Switzerland
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, June 2017
• Mobile Payment User Penetration, by Current User and Potential Use, in % of Consumers, August 2017
• Breakdown of Third-Party Mobile Payment Solutions Used, in % of Users, August 2017
3.2.9. Belgium
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, June 2017
3.2.10. Denmark
• Payment Methods Used and Preferred in Online and Mobile Shopping, in % of Online Shoppers, Q2 2017
3.2.11. Norway
• Payment Methods Used and Preferred in Online and Mobile Shopping, in % of Online Shoppers, Q2 2017

11. 11
TABLE OF CONTENTS (5 OF 6)
3. Europe (Cont.)
3.2. Advanced Markets (Cont.)
3.2.12. Finland
• Payment Methods Used and Preferred in Online and Mobile Shopping, in % of Online Shoppers, Q2 2017
3.2.13. Ireland
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, June 2017
3.3. Emerging Markets
3.3.1. Russia
• Payment Methods Used in E-Commerce, in % of Active Internet Users, H1 2017
• Payment Methods Used in E-Commerce, in % of Online Shoppers, 2016 & 2017
• Breakdown of Last Online Purchase by Payment Method, in %, 2016 & 2017
• Top Criteria When Choosing an Online Store, in % of Online Shoppers, 2016 & 2017
• Attitudes to Mobile Payment, in % of Respondents, Compared to Global Average, 2016
• Breakdown of Awareness of Cryptocurrencies, in % of Adults, July 2017
• Breakdown of Perception of Cryptocurrencies, in % of Adults Who Heard About Cryptocurrencies, in %, July 2017
• Breakdown of Awareness of Blockchain, in % of Adults, August 2017
3.3.2. Poland
• Payment Methods That Encourage Online Shoppers to Purchase Online, in % of Online Shoppers, April 2017
• Breakdown of Fast Transfer Services Used Most Often, in % of Online Shoppers Using Fast Transfer Services, April 2017
• Payment Methods Used in Online Shopping, in % of Online Shoppers, 6 Months to October 2017
3.3.3. Turkey
• Number of Domestic E-Commerce Transactions with Bank Cards, in millions, and Value, in TRY million, Q1 2015 – Q3 2017
• Number of Cross-Border E-Commerce Transactions with Domestic Bank Cards, in millions, and Value, in TRY million, Q1 2015 – Q1
2017

12. 12
TABLE OF CONTENTS (6 OF 6)
3. Europe (Cont.)
3.3. Emerging Markets (Cont.)
3.3.3. Turkey (Cont.)
• Breakdown of the Number of E-Commerce Transactions With Payment Cards by Mobile and Web, in %, Q3 2016
3.2.4. Portugal
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, June 2017
3.3.5. Czech Republic
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, June 2017
3.3.6. Hungary
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, June 2017
3.3.7. Romania
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, June 2017

13. 13
1. Management Summary 13 – 17
2. Global Developments 18 – 28
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.
Europe
Regional
Advanced Markets
UK
Germany
France
Spain
Italy
Netherlands
Sweden
Denmark
Belgium
Denmark
Norway
Finland
Ireland
Emerging Markets
Russia
Poland
Turkey
Portugal
Czech Republic
Hungary
Romania
29 – 113
29 – 44
45 – 94
46 – 58
59 – 72
73 – 77
78 – 80
81 – 82
83 – 83
84 – 86
87 – 89
90 – 90
91 – 91
92 – 92
93 – 93
94 – 94
95 – 113
96 – 103
104 – 106
107 – 109
110 – 110
111 – 111
112 – 112
113 – 113

14. Note: does not add up to 100% due to multiple answers possible
Definition: individuals aged 18-65 who have purchased online in the previous 12 months from any of the following categories: appliances and technology, furniture, mobile devices,
travel, sport, bicycle and accessories, automobile and accessories or motorcycle and accessories
Survey: based on a survey of 2,219 consumers in 2016 and 2,200 in September – October 2017; question asked “What forms of payment did you use when purchasing over the
Internet?“
Source: Cetelem, December 2017
2%
2%
3%
17%
23%
61%
51%
3%
2%
4%
11%
27%
54%
62%
0% 20% 40% 60% 80% 100%
Other Payment Methods (Sofort,
Facilpay, Trustly, Aplazame, etc.)
Financing
Revolving Credit Card
Cash on Delivery
Credit Card
Debit Card
PayPal
2017
2016
14
The share of online shoppers in Spain preferring to pay with PayPal
increased from 51% in 2016 to 62% in 2017.
Spain: Payment Methods Used in E-Commerce, in % of Online Shoppers, 2016 & 2017
in % of Online Shoppers

15. 15
Have Used
10%
Have Not Used
90%
“Selfie” PaymentsFingerprint Technology for Payment
Have Used
3%
Have Not Used
97%
In the UK, 10% of Internet users surveyed in 2017 had used fingerprint
technology to pay for goods and 3% had used “Selfie pay”.
UK: Share of Internet Users Who Have Used Fingerprint Technology to Pay for Goods and Who Have
Used “Selfie” Payments, in %, 2017
Survey: based on a survey of 2,000 consumers; question asked: “Which payment method do you use most often online?”
Source: Retail Week, Klarna, October 2017

16. 16