The world’s third largest region by B2C E-Commerce sales shows wide diversity in terms of payment methods used in online shopping. While non-cash payment methods, especially credit cards, dominate in the Western sub-region, cash on delivery and various alternative methods are most used in Eastern European countries. Both sub-regions show potential for mobile payments growth.

1. EUROPE ONLINE PAYMENT METHODS: SECOND HALF 2014
November 2014

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General Information
Product Details Language: English Format: PDF & Power Point Number of Pages/Charts: 103 Covered Countries/Regions: Western Europe, Eastern Europe, UK, Germany, France, Spain, Italy, Netherlands, Sweden, Denmark, Finland, Norway, Switzerland, Austria, Russia, Turkey, Poland, Greece, Czech Republic, Hungary, Romania, Belarus, Slovenia, Estonia
Prices Single User License: € 1,450 (excl. VAT) Site License: € 2,900 (excl. VAT) Global Site License: € 4,350 (excl. VAT) Questions Answered in This Report  What are the major online and mobile payment trends in the third largest B2C E-Commerce market worldwide?  How do preferences for payment methods differ between online shoppers in Western and Eastern Europe?  What are the most used payment methods in B2C E-Commerce in various countries in Europe?  How are mobile and contactless payments developing in leading countries of this region?
Europe Online Payment Methods: Second Half 2014

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Diversity in Online Payment Methods in Europe The world’s third largest region by B2C E-Commerce sales shows wide diversity in terms of payment methods used in online shopping. While non-cash payment methods, especially credit cards, dominate in the Western sub-region, cash on delivery and various alternative methods are most used in Eastern European countries. Both sub-regions show potential for mobile payments growth Europe’s largest online market, the UK, was dominated by credit and debit cards in terms of payment methods in 2014, while a quarter of online shoppers dropped the purchasing process if their preferred payment method in not offered. Moreover, over one fourth of Internet users in the UK are interested in using mobile payments, with the mobile payment offerings growing rapidly in H2 2014: Vodafone launched SmartPass in cooperation with Visa, while the joint mobile effort of banks, Paym solution, signed up 500,000 users in the first month after its launch. In Germany, PayPal and express checkout methods were gaining a larger share of B2C E-Commerce payments in H2 2014, and Amazon offered “Login and Pay” method. Invoice remained the leading payment method in German B2C E-Commerce sales, while PayPal increased its share. Mobile payments in Germany are forecasted to grow rapidly in the next several years in Germany to near one billion Euros in the next five years. The payment method used the most by online shoppers in France was “Bank Card” at the beginning of 2014, followed by “Online Payment Service”. The ecosystem for mobile payments is developing rapidly, while adoption by consumers is still to take off. In many other Western European markets, including Italy and Spain, credit card remained the dominant method. However, several countries have own specifics: in the Netherlands, for example, local banking method iDEAL accounts for more than half of all online purchases and in Sweden payment against invoice is used more than credit card in B2C E-Commerce. In Russia, cash remained the most used payment method in online shopping, while alternative payments showed dynamism in H2 2014: payments made through online banking grew, PayPal started accepting cash payments through stores, terminal payments and E-Wallet company Qiwi held SPO raising EUR 60 million and another popular wallet Yandex.Money cooperated with Alibaba’s Aliexpress. While Cash on Delivery remained the most used payment method, half of Internet users already have experience with online payments and a significant share plans to do so more. In some other Eastern European markets, including Hungary, Romania and Belarus, cash on delivery is the most used method. However, there are also exemptions to this trend: in Turkey card payment dominates and grew rapidly in the first three quarters of 2014.
Key Findings
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1. MANAGEMENT SUMMARY 2. GLOBAL DEVELOPMENTS  Value of Digital Payments, in trillion, 2014e & 2019f  Number of B2C E-Commerce Payment Transactions, in billions, 2011 - 2015f  Number of Mobile Payment Transactions, by Bank and Non-Bank, in billions, 2011 - 2015f  Value of Mobile Payments, in USD billion, 2013 & 2014f  Mobile Wallet Market Value, in USD billion, 2012 & 2018f  Number of NFC Payment Users, in millions, 2014e & 2019f 3.1. UK  Online and Mobile Payment Trends and News about Players, H2 2014  Payment Methods Used in B2C E-Commerce, in % of Online Shoppers, 2014  Payment Methods Used in B2C E-Commerce, in % of Online Shoppers, by Gender, 2014  Popular Methods to Pay Online, in % of Consumers, August 2014  Major Reasons for Abandoning Online Shopping Cart, in % of Consumers who Abandoned Online Shopping Carts, August 2014  Mobile Payments Conducted, by Type, in % of Internet Users, by Age Group, 12 Month to July 2014  Interest in Using Mobile Payments, in % of Internet Users Who Do Not Use Mobile Payments, by Age Group, July 2014  Number of Cards with Contactless Payment Functionality, in millions, December 2012, December 2013 & June 2014  Number of Bank-Owned Terminals with Contactless Payment Functionality, in thousands, December 2012, December 2013 & June 2014  Number and Value of Contactless Card Transactions, in GBP million and million transactions, by Debit and Credit/Charge Card, and in % Growth, June 2014 3. WESTERN EUROPE
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3. WESTERN EUROPE (cont.) 3.2. GERMANY  Online and Mobile Payment Trends and News about Players, H2 2014  Breakdown of B2C E-Commerce Sales by Payment Methods, 2012 & 2013  Reasons for Abandoning Online Shopping Cart, in % of Internet Users, June 2014  Usage of Additional Charges for Selected Payment Methods, in % of Online Merchants, 2012 – 2014  Perception of Payment Method Costs, in % of Online Merchants Offering the Method, June 2014  Breakdown of Payment Method Processing, by Own Processing and Processing Through Payment Service Provider, in % of Online Merchants Offering the Method, June 2014  Usage of Payment Risk Check, by Payment Method and by External and Internal Risk Check, in % of Online Merchants, June 2014  Average Order Value, by Payment Method, in EUR, June 2014  Number of Mobile Payment Users, in thousands, 2014e & 2020f  Breakdown of Mobile Payment App Usage, by Current Usage and Potential Usage, in % of Internet Users, June 2014  Breakdown of NFC Payment Usage, by Current Usage and Potential Usage, in % of Internet Users, June 2014 3.3. FRANCE  Online and Mobile Payment Trends and News about Players, H2 2014  Payment Methods Most Used in B2C E-Commerce, in % of Online Shoppers, Q1 2014  Value of Card Fraud in Domestic E-Commerce Transactions, in EUR million, and Fraud Rate, in % of Transactions, 2009 – 2013  Share of 3D Secure Transactions on Total Online Card Payments, in %, April 2011 - April 2014  Number of Retail Stores with Contactless Payment Terminals, in thousands, and in % Penetration Rate, March 2014 - September 2014  Number of Cards with Contactless Payment Functionality, in millions, and in % Penetration Rate, March 2014 - September 2014  Share of Consumers Who Made Payments with Mobile Phone in Store, in %, September 2014  Interest in Making In-Store Payments with Mobile Phone in the Future, in % of Smartphone Owners Who Have Not Made Payments with Mobile Phone in Store, in %, September 2014  Places for Perspective Usage of Mobile Payments, in % Smartphone Users who Have not Made Mobile Payments in Store, September 2014
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3.5. ITALY  Breakdown of B2C E-Commerce Sales, by Payment Methods, in %, 2012 - 2014f  Value of B2C E-Commerce Payments, by Credit Card and Others, in EUR million, August 2013 - August 2014  Number of Cards and POS with Contactless Payment Functionality, in thousands, 2013  Breakdown of Attitude to Mobile Proximity Payment, in % of Mobile Internet Users, 2014e  Breakdown of Attitude to Mobile Wallet, in % of Mobile Internet Users, 2014e  Breakdown of Most Trusted Providers of Mobile Wallet, in % of Mobile Internet Users who Are Interested in Using Mobile Wallets, 2014e 3. WESTERN EUROPE (cont.) 3.4. SPAIN  Breakdown of B2C E-Commerce Purchases, by Selected Payment Methods, in %, 2014e  Reason for Abandoning Mobile Shopping Cart, in % of Mobile Shoppers, July 2014  Breakdown of Intention to Use Mobile Payments, in % of Consumers, July 2014 3.7. SWEDEN  Breakdown of Preferred Payment Methods in B2C E-Commerce, in % of Online Shoppers, January 2014 3.6. NETHERLANDS  Breakdown of B2C E-Commerce Payments, by Payment Method, in %, H1 2014  Breakdown of B2C E-Commerce Payments by Method, by Shopping Channel, in %, H1 2014
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3.8. DENMARK  Breakdown of Preferred Payment Methods in B2C E-Commerce, in % of Online Shoppers, January 2014 3.9. FINLAND  Breakdown of Preferred Payment Methods in B2C E-Commerce, in % of Online Shoppers, January 2014 3. WESTERN EUROPE (cont.) 3.10. NORWAY  Breakdown of Preferred Payment Methods in B2C E-Commerce, in % of Online Shoppers, January 2014 3.11. SWITZERLAND  Breakdown of Mobile Payment App Usage, by Current Usage and Potential Usage, in % of Internet Users, June 2014  Breakdown of NFC Payment Usage, by Current Usage and Potential Usage, in % of Internet Users, June 2014 3.12. AUSTRIA  Breakdown of Preferred Payment Methods in B2C E-Commerce, in % of Online Shoppers, 2006 & 2013  Breakdown of Mobile Payment App Usage, by Current Usage and Potential Usage, in % of Internet Users, June 2014  Breakdown of NFC Payment Usage, by Current Usage and Potential Usage, in % of Internet Users, June 2014
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4. EASTERN EUROPE 4.1. RUSSIA  Online and Mobile Payment Trends and News about Players, H2 2014  Payment Methods Used in B2C E-Commerce, in % of Online Shoppers, 2013  Payment Methods Used in B2C E-Commerce, in % of Online Shoppers, by Gender and Location, 2013  Breakdown of Usage of Online Payment, by Frequency, and Breakdown of Intention to Use Online Payment in the Future, in % of Internet Users, February 2014  Purposes of Using Online Payment, in % of Online Payment Users, 12 Months to February 2014  Knowledge and Usage of Non-Cash Payment Methods, incl. Online, in % of Internet Users in Large Cities, Ranked by Usage, April 2014  Knowledge and Usage of E-Wallet Services, incl. Online, in % of Internet Users in Large Cities, Ranked by Usage, April 2014  Share of Attempted Fraud Transactions in E-Commerce, by Sector, 2013  The Share of Actual Fraudulent Transactions on E-Commerce Payments with Cards, 2013  Breakdown of Online Fraud Losses, by Fraud Type, in % and in USD million, 2011 & 2012  Devices Used to Make Online Payment, in % of Online Payment Users, 12 Months to February 2014  Penetration of Users Paying Online via Mobile Devices, by Age Group and Gender, in % of Online Payment Users in the Relevant Group, 12 Months to February 2014  Penetration of Users Paying Online via Mobile Devices, by Household Income and City Size, in % of Online Payment Users in the Relevant Group, 12 Months to February 2014  Purposes of Making Online Payments via Mobile Devices, by Rank, 12 Months to February 2014 4.2. TURKEY  Number and Value of Domestic E-Commerce Transactions with Cards, in millions and in TRY billion, Q1 2012 - Q3 2014  Number and Value of Cross-Border E-Commerce Transactions with Cards, in millions and in TRY million, Q1 2012 - Q3 2014  Major Payment Methods Used in B2C E-Commerce, by Rank, 2014e
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4. EASTERN EUROPE (cont.) 4.3. POLAND  Breakdown of Payment Methods Most Used in B2C E-Commerce, in % of Online Shoppers, March 2014 4.4. GREECE  Payment Methods Most Offered in B2C E-Commerce, in % of Online Shops, H1 2014 4.5. CZECH REPUBLIC  Breakdown of Online Bank Card Payments, by E-Commerce Categories, in %, by Transaction Value and Volume, 2013 4.6. HUNGARY  Payment Methods Preferred in B2C E-Commerce, in % of Online Shoppers, May 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 - H1 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 - H1 2014
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4.7. ROMANIA  Breakdown of Payment Methods Used in B2C E-Commerce, in %, 2013  Number of Online Credit Card Payments for Products and Services, in millions, 2012 & 2013 4. EASTERN EUROPE (cont.) 4.8. BELARUS  Payment Methods Most Used in B2C E-Commerce, in % of Online Shoppers, March 2014 4.9. SLOVENIA  Payment Methods Used in B2C E-Commerce, in % of Online Shoppers, 12 Months to March 2014 4.10. 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 - Q3 2014  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 - Q3 2014
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Samples
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General Methodology of our Market Reports:
 This report includes the results of secondary market research: By using various sources we ensure maximum objectivity for all obtained data. As a result companies get a precise and unbiased impression of the market situation.
 Cross referencing of data was conducted in order to ensure validity and reliability.
 This report contains a Management Summary, summarizing the main information provided in each chapter.
 Besides providing information on the specific topic, every chart contains an Action Title, which summarizes the main statement of the chart and a Sub Title, which gives information about the country, the topic, the unit or currency, and the time period the data on the chart refers to.
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 This report also includes rankings. Within these rankings, it is possible that the total amount adds up to more than 100%. If this is the case, multiple answers were possible, and this is then mentioned in the note of the chart.
 If available, additional information about the data collection, for example the time of survey and number of people asked, 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 were mostly used. When referencing them 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.
Methodology for our Europe Online Payment: Second Half report:
 This report covers the European online payment market. It takes into account a wide definition of online payment, including payment methods used in B2C E-Commerce and mobile payment.
 All major European countries are covered, while data availability varied across the markets.
 Countries are grouped by two sub-regions: Western and Eastern Europe. Within the sub-regions, the countries are presented in the descending order of B2C E-Commerce sales.
 Besides country data, global data is also included.
 Cross referencing of data was conducted in order to ensure validity and reliability.
 Depending on data availability, the following types of market information are included: the most used payment methods in B2C E-Commerce, number and volume of online and mobile payment transactions, information about online and mobile payment users and about E-Commerce payment fraud. Not all the mentioned types of information are available for each of the covered countries. For the leading country or countries in each 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 recent data, mostly published within the previous 6 months. The exact date of publication of the source is stated on each chart. The time period which the data refers to differs by source.
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Methodology

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WHAT IS THE TARGET AUDIENCE FOR THE MARKET REPORTS? The target group of our B2C E-Commerce reports are decision makers in top-management, for example from the departments E-Commerce, Business Development, Strategy, Marketing, etc. from large corporations worldwide. WHAT SOURCES ARE USED FOR THE MARKET REPORTS? The reports are all based on reliable sources including national and international statistical offices, industry and trade associations, business reports, business and company databases, journals, company registries, news portals and many other sources. WHAT TYPE OF RESEARCHERS ARE FINDING THE INFORMATION FOR OUR MARKET REPORTS? yStats.com employs multilingual researchers that research and filter all sources and translate the relevant information into English. This ensures that the content of the original sources is correctly interpreted. WHAT TYPE OF ANALYSTS ARE WRITING THE MARKET REPORTS? After the information is researched, it is further analyzed by our international team of research analysts. These analysts have a long experience in the field of E-Commerce research, and they understand the specifications of the market. WHERE CAN I SEE WHAT KIND OF INFORMATION IS INCLUDED IN THE MARKET REPORTS? For every market report, a detailed Table of Contents is available, clearly stating what information is included. All Table of Contents can be found on our homepage and in the product brochures of the market reports. IS THE INFORMATION IN THE MARKET REPORTS COMPARABLE FROM COUNTRY TO COUNTRY? Due to the fact that the information included in the market reports is derived from different sources, some information is not comparable across countries. Different sources mostly have different definitions. HOW DO I ORDER A MARKET REPORT? If you would like to order, please fill out the report order from the market report included in the relevant product brochure. Afterwards, please sign it and send it back to us by fax or e-mail. IN WHAT FORMAT ARE THE MARKET REPORTS DELIVERED? The market reports are delivered in PowerPoint and PDF format. If a different format is needed, please contact us before the purchase. It would also be possible to order printed versions of the reports for a slightly higher price. HOW LONG DOES IT TAKE ME TO GAIN ACCESS TO THE REPORT? In general, potential clients gain access to the report within a few hours after sending out the report order form. IS THE REPORT SENT TO MY EMAIL? In general, we provide customers with access to our website. After logging in, the customer can download the report as PowerPoint and PDF files. IS IT POSSIBLE TO PURCHASE ONLY SELECTED PARTS FROM A MARKET REPORT? In general, the market reports are only sold as a whole. However, if you are only interested in parts of the report, please contact us. HOW CAN I PAY FOR THE MARKET REPORT? An invoice issued by yStats.com can be paid either by bank transfer or by PayPal. Bank transfer usually takes a few working days, while with PayPal, the money is transferred immediately. DO I HAVE TO PAY TAX IF I PURCHASE A REPORT? Customers from Germany have to pay an additional tax rate of 19%. Customers from the European Union (EU) do not have to pay tax if they enter a valid VAT Identification Number into the report order form. Customers from non-EU countries do not have to pay tax. Moreover, tax has to be paid for all private purchases from the EU. REGARDING THE TIMING, WHEN WILL AN UPDATE OF A MARKET REPORT BE PUBLISHED? In general, the market reports are published on a yearly basis. For further information, please take a look at the report overview, which includes a list of the reports we plan to publish in 2014. If you would like to be informed as soon as the update is published, please inform us. HOW MANY EMPLOYEES OF MY COMPANY HAVE ACCESS TO THE REPORTS? We offer different licensing options. Single User Licenses mean that only one user from an organization can access the report. A Site License, allowing all users within a given geographical location to access the report, is available for double the price. Global Site Licenses, allowing access to all worldwide users of an organization, are available for triple the price. I HAVE A RESEARCH REQUEST THAT CANNOT BE ANSWERED THROUGH THE MARKET REPORTS. ARE THERE ANY FURTHER PRODUCTS? If you require further information, we also offer “Customized Research” on all sectors and countries worldwide. After a detailed briefing, we conduct pre-research and provide potential customers with an offer. DO YOU OFFER DISCOUNTS? If you are interested in purchasing several reports, please contact us. We will consider the possibility of bundle pricing. DO YOU OFFER AN ANNUAL SUBSCRIPTIO OF THE MARKET REPORTS? Yes. Our product “Full Access Global E-Commerce Reports” gives customers access to all our E-Commerce market reports. Furthermore, access to all the market reports we publish during the subscription period is guaranteed.
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Selected References
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Report Publication Date Price (excl. VAT)* Asia-Pacific Online Payment Methods: Second Half 2014 November 2014 € 950 Fraud in Global B2C E-Commerce & Online Payment 2014 October 2014 € 950 Eastern Europe B2C E-Commerce Market 2014 October 2014 € 2,950 The World’s Leading B2C E-Commerce Companies 2014 October 2014 € 450 Russia B2C E-Commerce Market 2014 October 2014 € 950 Global B2C E-Commerce Market 2014 October 2014 € 6,450 Global B2C E-Commerce & Online Payment Market 2014 October 2014 € 7,450 Global Luxury B2C E-Commerce Snapshot 2014 August 2014 € 950 Asia-Pacific B2C E-Commerce Market 2014 August 2014 € 5,450 South East Asia B2C E-Commerce Market 2014 July 2014 € 3,450 India B2C E-Commerce Market 2014 July 2014 € 950 Malaysia B2C E-Commerce Market 2014 July 2014 € 950 China B2C E-Commerce Market 2014 June 2014 € 1,450 Indonesia B2C E-Commerce Market 2014 June 2014 € 950 Vietnam B2C E-Commerce Market 2014 June 2014 € 950 Global Online Payment Methods: First Half 2014 May 2014 € 3,450 Europe Online Payment Methods: First Half 2014 May 2014 € 2,450 Global B2C E-Commerce Delivery 2014 May 2014 € 3,950 Europe B2C E-Commerce Delivery 2014 May 2014 € 2,450 Global Cross-Border B2C E-Commerce 2014 April 2014 € 3,450 Europe Cross-Border B2C E-Commerce 2014 April 2014 € 2,450 Global Clothing B2C E-Commerce Report 2013 July 2013 € 3,950 Europe Clothing B2C E-Commerce Report 2013 July 2013 € 2,450 Europe M-Commerce Snapshot 2014 April 2014 € 1,950 Global M-Commerce 2014: Smartphones & Tablets March 2014 € 3,450 Africa B2C E-Commerce Report 2013 December 2013 € 2,450 Europe B2C E-Commerce Report 2013 September 2013 € 3,950 *Single User License Report Planned Date Price (excl. VAT) Brazil B2C E-Commerce Market 2014 December 2014 To be announced Latin America B2C E-Commerce Market 2014 December 2014 To be announced
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Europe Online Payment Methods: Second Half 2014