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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
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.

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METHODOLOGY OF THE CURRENT REPORT
Report Coverage
 This report covers the global online payment market. It takes into account a wide definition of online payment, including payment methods used in online
shopping and mobile payment, such as remote and in-store (proximity) payments.
 Major B2C E-Commerce markets in all global regions are covered, including advanced and emerging, while data availability varied across the countries.
 The report includes data mostly published within the first half 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.
 The rest of the report is divided by regions presented in the descending order of B2C E-Commerce sales. Within each region, the countries are grouped by
advanced and emerging markets, where applicable, and ranked by online sales. Furthermore, where available, regional information was also included.
 Depending on data availability, the following types of market information are included: payment methods most used by online and mobile shoppers, breakdown
of E-Commerce sales by payment methods, number and value of online/mobile payment transactions, rankings of online payment providers, and mobile
payment usage and consumer awareness of mobile payment services. Not all the mentioned types of information are available for each of the covered
countries. For selected countries leading in terms of 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.

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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 Methods 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 9)
1. Management Summary
2. Global Developments
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, Q1 2017
• Reasons For Not Shopping Online, incl. Payment-Related, in % of Internet Users Who Do Not Shop Online, Q1 2017
• Card Spending, in USD trillion, and Breakdown by POS and E-Commerce, in %, 2015 & 2021f
• Breakdown of Card-Not-Present Fraud Loss, by Segment, in USD million, 2017-2021f (Total)
• Online Payment Fraud Detection and Prevention Spending, in USD billion, 2017e & 2022f
• Contactless Payment Transaction Value, in USD billion, 2017e & 2019f
• Number of Contactless Payment Users of Android Pay, Apple Pay, and Samsung Pay, in millions, 2015 - 2017e
• Share of Internet Users Who Are Likely To Use Mobile Payment in the Next Year, in % of Internet Users, by Selected Countries, Q1 2017
• Attitudes Towards Mobile Payment and Mobile Money, in % of Consumers, by Developed and Developing Markets, 2016
• Breakdown of the Number of Transactions/Purchases by Payment Methods, in %, as Perceived by Businesses and by Consumers, 2016
• Factors Most Important to Consumers in Deciding to Use Mobile Payments, in %, 2016
• Mobile Payment Security Features Demanded by Consumers and Implemented by Businesses, in %, 2016
• Entities Expected to Be The Most Disruptive in FinTech in the Next Five Years According to Financial Services and FinTech Executives,
in %, 2017
• Expected Annual ROI According to Financial Services and FinTech Executives, in %, 2017
3. Asia-Pacific
3.1. Regional
• Top Considerations in Online Shopping, incl. Payment-Related, in % of Consumers, November 2016
• Breakdown of the Number of E-Commerce Orders by Payment Methods in Southeast Asia, by Indonesia, Philippines, Singapore and
Thailand, in %, March 2017
3.2. Advanced Markets
3.2.1. Japan
• Online and Mobile Payment Trends, August 2017
• Top 3 Uses of Credit Card, in % of Credit Card Holders, 2016
• Mobile Payment User Penetration, in % of Individuals, May 2014, November 2015 & November 2016

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TABLE OF CONTENTS (2 OF 9)
3. Asia-Pacific (Cont.)
3.2. Advanced Markets (Cont.)
3.2.2. South Korea
• Payment Methods Used in E-Commerce, in % of Online Shoppers, October 2016
• Share of Internet Users Who Have Used Convenient Payment Services, in %, October 2016
• Reasons for Using Convenient Payment Services, in % of Users, October 2016
3.2.3. Australia
• Breakdown of the Number of Consumer Payments by Channels, in %, 2013 & 2016
• Breakdown of Card Fraud by Type, incl. Card-Not-Present, in AUD million, 2011 - 2016
• Smartphone Payment User Penetration, in % of Consumers, May 2017
3.3. Emerging Markets
3.3.1. China
• Online and Mobile Payment Trends, August 2017
• Breakdown of Payment Methods Used in E-Commerce, in % of Online Shoppers, 2016
• Number of Online Payment Users, in millions, and Penetration, in % of Internet Users, 2012 – 2016
• Third-Party Online Payment Volume, in CNY trillion, by Two Comparative Estimates, Q1 2016 – Q1 2017
• Breakdown of Third-Party Online Payment GMV by Players, in %, by Two Comparative Estimates, Q1 2017
• Number of Mobile Payment Users, in millions, and Penetration, in % of Mobile Internet Users, 2014 - 2016
• Third-Party Mobile Payment Volume, in CNY trillion, by Two Comparative Estimates, Q1 2016 – Q1 2017
• Breakdown of Third-Party Mobile Payment GMV by Players, in %, by Two Comparative Estimates, Q1 2017
3.3.2. India
• Breakdown of Payment Methods Used in M-Commerce, in % of Mobile Shoppers, 2016
• Number of RuPay Card Transactions, in millions, and Value, in INR billion, by POS and E-Commerce, FY 2014/2015 - FY 2016/2017
• Number of Mobile Payment Transactions, in billions, and Value, in INR trillion, FY 2016 - FY 2022f
• Breakdown of Mobile Payment Transaction Value by Segment, in %, FY 2017e
• Mobile Wallet Transaction Value, in USD billion, FY 2015 & FY 2017

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TABLE OF CONTENTS (3 OF 9)
3. Asia-Pacific (Cont.)
3.3. Emerging Markets (Cont.)
3.3.3. Indonesia
• Credit Card Uses, in % of Banked Adults Interested in Owning a Credit Card, March 2017
3.3.4. Thailand
• Payment Methods Used in E-Commerce, by Number of Online Shoppers and Percentage of Online Shoppers, Q1 2016
3.3.5. Singapore
• Breakdown of Payment Methods Preferred in Online Shopping, in % of Online Shoppers, 2016
3.3.6. Malaysia
• Breakdown of Payment Methods Preferred in Online Shopping, in % of Online Shoppers, November 2016
3.3.7. Vietnam
• Breakdown of Payment Methods Used in E-Commerce, in % Online Shoppers, August 2016
4. Europe
4.1. Regional
• Online Payment Regulatory Trends, July 2017
• Breakdown of E-Commerce Spending in the EU by Payment Methods Considering PSD2 and Instant Payment Introduction, in %, 2012,
2017f, 2020f, 2022f, 2027f
• External Disruptors in European Payment Environment, in % of Payment Industry Experts, March 2017
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, October 2016
• Top 3 Criteria for Choosing a Payment Method, in % of Online Shoppers, 2016
• Mobile Payment Transactions, in EUR billion, 2016 & 2021f

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TABLE OF CONTENTS (4 OF 9)
4. Europe (Cont.)
4.2. Advanced Markets
4.2.1. UK
• Online and Mobile Payment Trends, July 2017
• Breakdown of Payment Methods Preferred in E-Commerce, in % of Online Shoppers, February 2017
• Online Card Payment Statistics for UK Businesses, incl. Online Card Spending, in GBP billion, Share of Total Card Spending, in %, 2014
- 2016
• Online Spending With UK-Issued Cards, in GBP billion, 2015 & 2016
• 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
• Breakdown of Frequency of Using Mobile Phone to Make Contactless Payments In-Store, in % of Smartphone Users, By Age Group,
Gender and Total, 2016
4.2.2. Germany
• Online and Mobile Payment Trends, July 2017
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, by Ranked First and Ranked Between First and Fifth, 2016
• Factors Important to Online Shoppers When Choosing a Payment Method, in % of Online Shoppers, 2016
• Breakdown of B2C E-Commerce Product Sales by Payment Methods, in %, 2015 & 2016
• Breakdown of Mobile Payment Usage, in % of Smartphone Users, Q4 2016/Q1 2017
• Top 10 Most Known Payment Providers, in % of Smartphone Users, Q4 2016/Q1 2017
4.2.3. France
• Breakdown of B2C E-Commerce Product Sales, in %, 2016
• Breakdown of Payment Methods Preferred in E-Commerce, in % of Online Shoppers, 2016
• Breakdown of Willingness to Make Payments Using Smartphone, by Payment Amount, in % of Internet Users, December 2016
4.2.4. Spain
• Payment Methods Used in E-Commerce, in % of Online Shoppers, 2016
• Share of Banked Consumers Who Installed Mobile Payment Apps, in %, December 2016

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TABLE OF CONTENTS (5 OF 9)
4. Europe (Cont.)
4.2. Advanced Markets (Cont.)
4.2.5. Italy
• Breakdown of Number of Online Purchase Transactions by Payment Methods, by Purchase of Physical Products and of Digital Goods
and Services, in %, Q1 2017
• Online and Mobile Retail Payment Value by Segment, in EUR billion, and Year-on-Year Change, in %, 2016
4.2.6. Netherlands
• Breakdown of Online Purchases by Payment Methods, in %, 2015 & 2016
4.2.7. Sweden
• Breakdown of Payment Methods Preferred in E-Commerce, in % of Online Shoppers, Q3 2011 -2012, Q4 2013 - 2016
4.2.8. Belgium
• Breakdown of Payment Methods Used in E-Commerce, in % of Online Shoppers, April 2017, and Change Compared to 2016 and 2011
• Share of Consumers Who Paid With a Smartphone In-Store, in % of Consumers, April 2017
4.2.9. Switzerland
• Top 5 Payment Methods Preferred in E-Commerce, in % of Online Shoppers, 2016
4.2.10. Austria
• Top 5 Payment Methods Preferred in E-Commerce, in % of Online Shoppers, 2016
4.3. Emerging Markets
4.3.1. Russia
• Payment Methods Used in E-Commerce, in % of Online Shoppers, 2014 - 2016
• Number of Websites Accepting Online Payment, in thousands, and Types of Online Payment Services Used, in % of Websites Accepting
Online Payment, 2015 & 2016

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TABLE OF CONTENTS (6 OF 9)
4. Europe (Cont.)
4.3. Emerging Markets (Cont.)
4.3.1. Russia (Cont.)
• Top 10 Online Payment Solutions Used, in % of Websites Accepting Online Payment, 2015 & 2016
• Types of Goods and Services Paid for Via Apple Pay and/or Samsung Pay, in % of Internet Users in Large Cities, March 2017
4.3.2. Poland
• Payment Methods Used in E-Commerce, in % of Individuals, 2015 & 2016
4.3.3. Turkey
• Payment Methods Used in E-Commerce, in % of Online Shoppers, January 2017
4.3.4. Portugal
• Payment Methods Used in E-Commerce, in % of Banked Internet Users, July 2016
4.3.5. Czech Republic
• Share of Online Shoppers Using Debit/Credit Card to Pay for Online Purchases, in %, 2016
5. North America
5.1. USA
• Online and Mobile Payment Trends and News About Players, August 2017
• Digital and Mobile Payment Methods Used, in % of Online Shoppers, by Generation Y and Generation Z, March 2017
• Number of Adults Who Have Their Payment Card Information Stored on at Least One Website or Mobile App for Future Purchases, and
Who Always Save Their Card Information Online, in millions, May 2017
• Number of Payment Transactions with Cards, in billions, and Value, in USD trillion, by Card Type and by Payment Transaction Type,
2015
• Number of Person-to-Person and Money Transfer Transactions, in millions, Value, in USD billion, and Average, in USD, by Original
Channel, 2012 & 2015, and CAGR, in %, 2012-2015

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TABLE OF CONTENTS (7 OF 9)
5. North America (Cont.)
5.1. USA (Cont.)
• Number of Online Payment Authentication Transactions, in millions, Value, in USD billion, and Average, in USD, by Type, 2012 & 2015,
and CAGR, in %, 2012-2015
• Mobile Wallet Transactions, in millions, Value, in USD billion, and Average, in USD, by Type, 2012 & 2015, and CAGR, in %, 2012-2015
• Types of Mobile Payments Made, in % of Banked Smartphone Users, January 2017
• Breakdown of Preferred Mobile Wallet Providers, in % of Current Mobile Wallet Users, Interested Non-Users and Total, January 2017
• Merchant Mobile Wallet Ownership, in % of Banked Smartphone Users, and Merchant Mobile Wallet Apps Used, in % of Merchant Wallet
App Users, January 2017
• Issuer Mobile Wallet Ownership, in % of Banked Smartphone Users, and Issuer Mobile Wallet Apps Used, in % of Issuer Wallet App
Users, January 2017
• Share of Banked Smartphone Users Who Own Apple Pay, Samsung Pay or Android Pay Wallets, and Breakdown of the “Pays” Owned,
in % of “Pays” Owners, January2017
• Penetration of Apple Pay, Android Pay and Samsung Pay, by Enrolled, Have Used and Frequent Users, in % of Compatible Device
Owners, January 2017
• Proximity Mobile Payment Transaction Value, in USD billion, 2016 - 2021f
• Share of Adults Who Used Online or Mobile P2P Payment in the Previous 12 Months, 2013 - 2021f
• Most Important Features in Money Transfer or Payment Applications and Services, in % of Adults, July 2017
5.2. Canada
• Share of Internet Users Who Store Personal Credit Card Information with a Mobile App or E-Commerce Site, in %, by Age Group, April
2017
• Share of Internet Users Who Installed an E-Wallet Mobile App, in %, by Age Group, April 2017
• Motives to Use Mobile Wallet as a Primary Payment Method, in % of Mobile Payment Users, September 2016
6. Latin America
6.1. Regional
• Breakdown of E-Commerce Sales by Payment Methods, in%, 2017e
• Share of Mobile Shoppers Who Use Mobile Wallets to Pay for Products/Services Purchased via Mobile Device, in %, by Brazil, Chile,
Colombia, Mexico and Peru, August 2016

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TABLE OF CONTENTS (8 OF 9)
6. Latin America (Cont.)
6.2. Brazil
• Reasons to Give Up an Online Purchase, in % of Online Shoppers, June 2017
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, June 2017
• Breakdown of the Number of Payment Installments Used, in % of Online Shoppers, 2015 & 2016
• Breakdown of Payment Methods Used in the Last Online Purchase from International Site, in % of Cross-Border Online Shoppers, 2013 -
2016
• Reasons For Using Boleto Bancario, in % of Online Shoppers Who Use Boleto Bancario, July 2017
• Breakdown of Online Shoppers Who Pay with Boleto Bancario by Gender and Age Group, in %, July 2017
6.3. Mexico
• Payment Methods Used in E-Commerce, in % of Online Shoppers, December 2016
• Reasons for Not Shopping Online, in % of Internet Users Who Do Not Shop Online, December 2016
• Share of E-Commerce of Total Payments with Credit and Debit Cards, in %, 2016
• Breakdown of E-Commerce Card Payment Transactions by Credit Card and Debit Card, in %, 2016
• Number of Authorized Payment Transactions on E-Commerce Websites, in millions, Value, in MXN billion, and Authorization Rate, in %
of Transactions and in % of Transaction Value, by Credit Cards and Debit Cards, Q1 2016 – Q1 2017
• Chargeback Rate, in % of Number of Authorized Payment Transactions on E-Commerce Websites and in % of Their Value, by Credit
Cards and Debit Cards, Q1 2016 – Q1 2017
• Payment App and Wallet Penetration, in % of Banked Internet Users, July 2016
6.4. Argentina
• Breakdown of E-Commerce Sales by Payment Methods, in %, 2016
• Breakdown of E-Commerce Sales Paid in Installments by Number of Installments, in %, 2016
• Most Attractive Uses of Mobile Payment Services, in % of Smartphone Users, August 2016
• Breakdown of Preferred Mobile Payment Providers, in % of Smartphone Users, August 2016
7. Middle East
7.1. Regional
• Breakdown of Payment Methods Preferred in E-Commerce, in % of Online Shoppers in GCC, October 2016

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TABLE OF CONTENTS (9 OF 9)
7. Middle East (Cont.)
7.1. Regional (Cont.)
• Share of Online Shoppers in MENA Who Used Smartphone to Pay for Purchases Online, in %, 2016
• Number of FinTech Startups in MENA, 2013, 2015 & 2020f
• Number of Registered Mobile Money Accounts in Sub-Saharan Africa, in millions, December 2005 & December 2016
7.2. UAE
• Breakdown of Payment Methods Used in E-Commerce by Cash on Delivery and Credit or Debit Card, in % of Online Shoppers, March
2017
• Share of Consumers Who Believe That Retailers They Shop at Deploy Payment Security Tools to Prevent Fraud, by Retailers and Online
Retailers, in %, 2016
7.3. South Africa
• Payment Methods Used in E-Commerce, in % of Online Shoppers, March 2017
• Share of Online Shoppers Who Believe Their Credentials Are Not Safe When Shopping Online, in %, March 2017
8.3. Nigeria
• Number and Value of Internet (Web) and Mobile Payment Transactions, in millions and in NGN billion, 2011- 2016
8.4. Kenya
• Breakdown of Payment Methods Preferred in E-Commerce, in % of Online Shoppers, November 2016
• Mobile Payment Statistics, incl. Number of Transactions, in millions, Value of Transactions, in KES billion, Number of Customers, in
millions, and Number of Agents, in thousands, 2008 – 2016

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Bank Card
46.39%
PayPal
31.35%
E-Card Bleue
8.79%
Gift Card
6.84%
Payment on Delivery
2.54%
Cheque
1.66%
Private Lable Card
1.27%
Google Wallet or Apple Pay
0.68%
Consumption Credit Card*
0.49%
46.39% of online shoppers in France preferred to pay by “Bank card”
and 31.35% via “PayPal” in 2016.
France: Breakdown of Payment Methods Preferred in E-Commerce, in % of Online Shoppers, 2016
Note: *e.g. Sofinco, Cofinoga, CETELEM, etc.
Survey: based on a survey of 1,000 respondents, ages 18+
Source: Toluna, Webloyalty, March 2017

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8%
26%
33%
57%
63%
0% 25% 50% 75% 100%
Bank Transfer
PayPal, PaySeguro or Similar
Credit Card - One-Time Payment
Boleto Bancario
Credit Card - Installments
in % of Online Shoppers
Payment in installments via credit card was the preferred payment
method of 63% of online shoppers in Brazil, as of June 2017.
Brazil: Payment Methods Preferred in E-Commerce, in % of Online Shoppers, June 2017
Note: does not add up to 100% due to multiple answers possible
Survey: based on a survey of 697 Internet users who have done at least one online purchase in the past; confidence level 95%, margin of error 3.8%; the time period of the
survey was not revealed; question asked “When shopping online, what is your preferred method?“
Source: Conversion, AKN Consultoria Estatistica, June 2017

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