Payment behaviour

: Chart Z-01: Payment behaviour in all shops by payment method © Deutsche Card Services GmbH

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

Payment behaviour

Traditional payment methods play a relatively large role in e-retailing.
Two out of three purchases are paid for by credit card, Visa remains the top brand.
Credit card is the most important payment method.
giropay has increased its share in the German market.
Average transaction values are lower when customers pay via direct debit and higher when the payment method giropay is used.
Average transaction values remain high when credit cards are used for payment.
If Visa was used, the transaction values were lower in general than one year before.
Credit cards in general are most often used for purchases worth EUR 10 – 100; Maestro is used comparatively often for purchases worth less than EUR 10.
Visa and MasterCard are the market leaders in Germany.
Importance of offline payment methods in e-retailing declines for women.
Credit cards increase their share in online retailing among men once more.
Retailer credit cards are still very popular with women.
giropay increases its popularity in all federal states and is most important in Baden-Württemberg.
Credit cards predominate in urban areas.
MasterCard gets ahead of Visa in nine out of 16 federal states.
German e-retailing turns out to be representative for German overall e-commerce once again.