The document provides an overview of research on international markets conducted by yStats.com. It includes a preface, terms of use, methodology, management summary and contents for a report on online payment methods. The report will cover global developments, trends in Europe and individual European countries regarding online and mobile payment methods, usage statistics, and key players. It uses secondary research from various reliable sources to ensure objectivity.

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RESEARCH ON INTERNATIONAL MARKETS
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PREFACE
Market reports by yStats.com inform top managers about recent market trends and assist with strategic company decisions.
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a result companies get a precise and unbiased impression of the market situation.
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company databases, journals, company registries and news portals are used as a basis for the analyses, statistical reports and forecasts.
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original studies is correctly interpreted.
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Methodology (1 of 2)
 Our reports are compiled based on secondary market research. Secondary research is information gathered from previously published sources.
Our reports are solely based on information and data acquired from national and international statistical offices, industry and trade associations,
business reports, business and company databases, journals, company registries, news portals and many other reliable sources. By using
various sources we ensure maximum objectivity for all obtained data. As a result, companies gain a precise and unbiased impression of the
market situation.
 Cross referencing of data is conducted in order to ensure validity and reliability.
 The source of information and its release date are provided on every chart. It is possible that the information contained in one chart is derived
from several sources. If this is the case, all sources are mentioned on the chart.
 Our reports include text charts, pie charts, bar charts, rankings, line graphs and tables. Every chart contains an Action Title, which summarizes
the main idea/finding of the chart and a Sub Title, which provides necessary information about the country, the topic, units or measures of
currency, and the applicable time period(s) to which the data refers. With respect to rankings, it is possible that the summation of all categories
amounts to more than 100%. In this case, multiple answers were possible, which is noted at the bottom of the chart.
 Reports are comprised of the following elements, in the following order: Cover page, preface, table of contents, management summary
(summarizing main information contained in each section of report) and report content (divided into sections and chapters). When available, we
also include forecasts in our report content. These forecasts are not our own; they are published by reliable sources. Within Global and
Regional reports, we include all major developed and emerging markets, ranked in order of importance by using evaluative criteria such as
sales figures.
 If available, additional information about the data collection, for example the time of survey and number of people surveyed, is provided in the
form of a note. In some cases, the note (also) contains additional information needed to fully understand the contents of the respective data.
 When providing information about amounts of money, local currencies are most often used. When referencing currency values in the Action
Title, the EUR values are also provided in brackets. The conversions are always made using the average currency exchange rate for the
respective time period. Should the currency figure be in the future, the average exchange rate of the past 12 months is used.
 The reports include mainly data from the last 12 months prior to date of report publication. Exact publication dates are mentioned in every chart.
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Methodology (2 of 2)
 This report covers the online payment market. It takes into account a wide definition of online payment, including payment methods used in E-
Commerce and mobile payment, such as remote and proximity payments.
 All major countries in the region are covered, though data availability varied across the markets.
 Countries are grouped by sub-regions, presented in the descending order of B2C E-Commerce sales. Besides country and regional data,
information about global development is also included.
 Depending on data availability, the following types of market information are included: the most used payment methods used by online
shoppers, number and volume of online and mobile payment transactions, information about online and mobile payment users. Not all the
mentioned types of information are available for each of the covered countries. For the leading country or countries in each region or sub-
region, also online and mobile payment trends and news about major players, such as payment providers, banks and retailers are presented.
 The report includes data mostly published within the first six months of the year of publication. The exact date of publication of the source is
stated on each chart. The time period which the data refers to differs by source.
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The following expressions and definitions are used in this Online Payment Methods Report:
 Online Payment:
Transfer of money made over the Internet following a consumer’s payment command, includes payments for product and service purchase in E-
Commerce and M-Commerce.
 Mobile Payment:
Wide definition of mobile payments includes remote payments made in M-Commerce and proximity payments made in-store via QR code
scanning and NFC technology.
 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.
 Digital Wallet:
Also known as E-Wallet. A prepaid digital account, allowing users to store money and use it in online or mobile transactions.
 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.
 E-Money:
Short for electronic money. Money which is exchanged electronically using digitally stored values.
 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.
Definitions

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1. Management Summary
2. Global Developments
• Online and Mobile Payment Trends and News about Players, H1 2015
• Overview of Alternative Online Payment Methods, H1 2015
• Payment Methods Used in M-Commerce, in % of Surveyed Mobile Phone Users, February 2015
• Mobile Payment User Penetration, in % of Shoppers, by Selected Regions and the USA, 2014
• Perception of Security of Mobile Payments, by Selected Regions, and by Age Group, in % of Shoppers, 2014
• Mobile Payment Users Penetration, by Product/Service Category, by UK, France, Germany, Italy, USA, Japan, Australia, Spain, China, in %
of Mobile Phone Users, 2014
• Types of Mobile Payments Used for Purchasing Non-Digital Goods, by UK, France, Germany, Italy, USA, Japan, Australia, Spain, China, in
% of Mobile Phone Users, 2014
• Types of Mobile Payments Used for Purchasing Non-Digital Services, by UK, France, Germany, Italy, USA, Japan, Australia, Spain, China,
in % of Mobile Phone Users, 2014
• Share of Online Shoppers Who Would Use Digital Currency, in % of Online Shoppers, by Selected Countries and Territories, 2014
3. Europe
3.1. Europe (Regional)
• Current and Intended Use of Mobile Payment Methods, in % of Mobile Device Owners, February 2015
3.2. Western Europe
3.2.1. UK
• Online and Mobile Payment Trends and News about Players, H1 2015
• Breakdown of Online Card Spending, by Credit and Debit Cards, in GBP billion, 2010 – 2014
• Innovative Features That Would Encourage More In-Store Visits, incl. Mobile Payment, in % of Online Shoppers, April 2015
• Contactless Card Payment Statistics, incl. Number of Cards, Number and Value of Transactions, by Credit/Charge and Debit Cards, and
Number of Bank-Owned Terminals with Contactless Functionality December 2014
Table of Contents (1 of 5)

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3.2.1. UK (Cont.)
• Breakdown of Awareness of Mobile Wallets/Mobile Payments, in % of Consumers, by Selected Age Groups, February 2015
• Companies Most Trusted With Provision of Mobile Digital Wallet, in % of Internet Users Owing an iPhone, Q1 2015
3.2.2. Germany
• Online and Mobile Payment Trends and News about Players, H1 2015
• Payment Methods Used in Online Shopping, in % of Online Shoppers, 2011 & 2014
• Online Payment Services Used, in % of Online Shoppers Who Paid Using Online Payment Services, 2014
• Breakdown of Interactive Retail Sales by Payment Methods, in EUR billion and in %, 2013 & 2014
• Breakdown of the Last Online Purchase by Payment Methods, in % of Online Shoppers, 2014
• Breakdown of Online Shopping Spending for the Last Purchase by Payment Methods, in %, 2014
• Breakdown of B2C E-Commerce Sales by Payment Methods, in %, 2014
• Breakdown of Awareness and Usage of Mobile Payments, by Payment Type, in % of Respondents, 2014
• Breakdown of Contactless Mobile Payment Usage, in % of Consumers, May 2015
• Breakdown of Smartphone Users Willing to Use Mobile Contactless Payment via Smartphone by Gender, in %, November 2014
3.2.3. France
• Payment Methods Most Used in B2C E-Commerce, in % of Online Shoppers, Q1 2014 & H1 2015
• Value of Online Bank Card Payment Transactions, in EUR billion, 2013 & 2014
• Value of Online Bank Card Payment Transactions, in EUR billion and in % Year-on-Year Change, Q1 2014 - Q1 2015
• Number of Cards with Contactless Payment Functionality, in millions, April 2014 & April 2015
• Number of Retail Stores with Contactless Payment Terminals, in thousands, April 2014 & April 2015
• Number of Contactless Payment Transactions, in millions, April 2014 & April 2015
3.2.4. Spain
• Payment Methods Used in Online Shopping, in % of Online Shoppers, 2014
• Breakdown of Attitudes to Mobile Payments, in % of Consumers, 2014
Table of Contents (2 of 5)

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3.2.5. Italy
• Breakdown of B2C E-Commerce Sales, by Payment Methods, in %, 2012 - 2015f
• Breakdown of Digital Payments, by Electronic Payment with Credit Card, Online and Mobile, in %, 2013 & 2014
• Breakdown of Online and Mobile Payments, by Type, in %, 2013 & 2014
3.2.6. Netherlands
• Breakdown of Online Purchases by Payment Method, in %, 2014
• Breakdown of Online Purchases by Payment Method, by Shopping Channel, in %, 2014
3.2.7. Sweden
• Breakdown of Preferred Payment Methods in Online Shopping, in % of Online Shoppers, 2013 & Q4 2014
3.2.8. Norway
• Breakdown of Preferred Payment Methods in Online Shopping, in % of Online Shoppers, 2013 & Q4 2014
3.2.9. Finland
• Breakdown of Preferred Payment Methods in Online Shopping, in % of Online Shoppers, 2013 & Q4 2014
3.2.10. Denmark
• Breakdown of Preferred Payment Methods in Online Shopping, in % of Online Shoppers, 2013 & Q4 2014
3.2.11. Switzerland
• Payment Methods Used in Online Shopping, in % of Online Shoppers, 2014
3.3. Eastern Europe
3.3.1. Russia
• Online and Mobile Payment Trends and News about Players, H1 2015
Table of Contents (3 of 5)

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3.3.1. Russia (Cont.)
• Payment Methods Used in Online Shopping, in % of Online Shoppers, 2013 & 2014
• Payment Methods Used in Online Shopping, in % of Online Shoppers, by Gender and Location Type, 2014
• Payment Methods Used in Online Shopping, in % of Online Shoppers, 2011 - 2014
• Share of Active Internet Users Who Used Mobile Payments, in %, by Age Group and Location Type, March 2015
• Online Payment Methods Offered, in % of E-Commerce Websites, Q1 2014 & Q1 2015
• Awareness and Usage of E-Money Services, in % of E-Money Users, May 2015
• Breakdown of E-Money Usage by Device, in % of E-Money Users, May 2015
• Share of NFC-Enabled Smartphones of Total Smartphones Sold, by Share of Units Sold and Share of Revenues, in %, 2012 - 2014 and
Breakdown of Revenues from NFC Smartphone Sales by Brands, in %, 2014
3.3.2. Turkey
• Number and Value of Domestic E-Commerce Transactions with Cards, in millions and in TRY million, Q1 2012 - Q1 2015
• Number and Value of Cross-Border E-Commerce Transactions with Cards, in millions and in TRY million, Q1 2012 - Q1 2015
3.3.3. Poland
• Payment Methods Used in Online Shopping, in % of Online Shoppers, 2014
• Breakdown of Payment Methods Most Used in Online Shopping, in % of Online Shoppers, 2014
• Payment Methods Used When Paying via Mobile Phone, in % of Individuals Who Paid with Mobile Phone, October 2014
3.3.4. Czech Republic
• Payment Methods Used in Online Shopping, in % of Online Shoppers, Q2 2014
• Payment Methods Used in Online Shopping, in % of Online Shoppers, by Gender and Age Group, Q2 2014
3.3.5. Hungary
• Share of Payment On Delivery of Total Online Shopping Spending, in %, 2014
• Value and Number of Online Payment Transactions with Cards, in HUF million and in million Transactions, by Cards Issued in the Country
and Outside the Country, H1 2010 – H2 2014
Table of Contents (4 of 5)

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3.3.5. Hungary (Cont.)
• Value and Number of Contactless Payment Transactions with Cards, in HUF million and in million Transactions, by Cards Issued in the
Country and Outside the Country, H1 2012 – H2 2014
3.3.6. Belarus
• Breakdown of Last Online Purchase by Payment Methods, in % of Online Shoppers, September 2014
3.3.7. Estonia
• Value and Number of Domestic B2C E-Commerce Card Transactions, by Debit and Credit Cards and Total, in EUR million and in
thousands, Q1 2013 – Q1 2015
• Value and Number of Cross-Border B2C E-Commerce Card Transactions, by Debit and Credit Cards and Total, in EUR million and in
thousands, Q1 2013 – Q1 2015
Table of Contents (5 of 5)

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1. Management Summary 12 – 15
2. Global Developments 16 – 26
3.
3.1.
Europe
Regional
27 – 86
27 – 28
3.2. Western Europe
UK
Germany
France
Spain
Italy
Netherlands
Sweden
Norway
Finland
Denmark
Switzerland
29 – 64
30 – 35
36 – 45
46 – 51
52 – 53
54 – 56
57 – 58
59 – 59
60 – 60
61 – 61
62 – 62
63 – 63
3.3. Eastern Europe
Russia
Turkey
Poland
Czech Republic
Hungary
Belarus
Estonia
64 – 86
65 – 73
74 – 75
76 – 78
79 – 80
81 – 83
84 – 84
85 – 86
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Table of Contents

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13%
21%
26%
18%
31%
48%
9%
20%
24%
25%
55%
56%
0% 20% 40% 60% 80% 100%
Upon Delivery
Credit Card
Bank Transfer Before
Delivery
Direct Debit
Online Payment Services*
Bank Transfer After Delivery
2014
2011
13
In 2014, 56% of online shoppers in Germany paid by bank transfer after
delivery of goods and 24% by transfer before delivery.
Germany: Payment Methods Used in Online Shopping, in % of Online Shoppers, 2011 & 2014
Note: does not add up to 100% due to multiple answers possible
*Online Payment Services include, for example, PayPal, SOFORT Überweisung and Giropay
Source: Deutsche Bundesbank, March 2015
in % of Online Shoppers

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1% of consumers in Spain “Already installed an app for mobile
payment” and 42% “Would be open to use” mobile payment, as of 2014.
Spain: Breakdown of Attitudes to Mobile Payments, in % of Consumers, 2014
Already Installed an App for
Mobile Payment
1%
Would be Open to Use
42%
Would not Use
8%
Unsure
34%
Other
15%
Survey: based on a survey of 1,009 respondents living in cities with over 100,000 inhabitants, conducted online
Source: The Logic Group, November 2014

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