Payment behaviour

: Z-01 Payment behaviour in all shops by payment method in a year-on-year comparison © Deutsche Card Services GmbH

: Z-02 Payment behaviour in all shops by credit card brand in a year-on-year comparison © Deutsche Card Services GmbH

Payment behaviour

Credit cards remain the predominant payment method in European e-commerce.
Visa remains the most important credit card provider in European e-commerce, ahead of MasterCard.
In Europe as a whole, Visa still beats MasterCard (ratio: 2:1).
MasterCard increased its market share among men, but lost marginal market shares to Visa among women.
The market share of other credit cards (mostly American Express, Diners and retailer credit cards) rose to more than 4% and even more than 20% among German customers.
giropay keeps growing.

Credit cards become the predominant payment method for German consumers and relegate direct debits to the second place.
giropay is another winner in German online trading; its share is already above 17%.
In contrast to German women, German men are not particularly interested in offline payment methods.
In the UK, Maestro is the only online payment method that plays a non-negligible role besides credit cards.
Outside Germany and the UK, credit cards are virtually the only payment method in online trade.

The average value of purchases paid for by the insecure direct debit method drops to a bit more than half; it rises clearly for the secure giropay procedure.
The transaction values of modern online payment methods, such as credit cards and giropay, did not decline much, despite the financial and economic crisis.
Credit cards are used relatively often for transaction values of less than EUR 10, whereas giropay is used to pay for luxury goods with a price of more than EUR 500.