How Europe likes to pay: Navigating emerging cross-border payment methods

This guide delivers actionable insights to help merchants choose the right payments strategy for their business. Navigate rapidly adopted methods like Wero, which aims to unify and simplify payments across Europe.

Cross-border payment methods report

What you'll learn

Which payment methods drive growth

Discover the payment methods that are helping merchants seamlessly expand into new territories.

Explore fraud prevention
  • Which payment methods drive growth
  • Why your strategy dictates future expansion
  • How to choose the right payment stack for your business
  • What’s working for other merchants (and what isn’t)
  • How to build trust and loyalty with customers

The headlines

Understanding the most popular payment methods is imperative for merchants and business owners. Consumer demand and trends are changing rapidly, and not adjusting your strategy means you could be losing revenue and sales at higher rates than your competitors.

The report uncovers what payment methods you could be missing, and how to compete in today’s consumer-centric market.

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85%

of merchants say accepting a wider range of payment solutions directly increases sales and revenue

12%

Merchants saw a 12% revenue increase and a 7.4% conversion increase after integrating at least one APM in 2025

53%

of European consumers willing to switch to new payment methods for a faster or more convenient checkout

With our digital wallet Wero, we aim to unify Europe's fragmented payments landscape with a standardised infrastructure and single solution for professionals and merchants. That means more competitive costs and simpler cross-border transactions.

payabl.

Martina Weimert

CEO of EPI Company

Martina Weimert

From navigating the alternative payment method market to major growth markets and trends in the payments industry, the report delivers strategies you can apply to your business, country spotlights and a final checklist to ensure you can make well-informed decisions.

  • The rise of one-click options

    An average of 20 seconds is saved when a Click to Pay option is used over manual card entry. Learn how to optimise checkout and save your business time.

  • Why cards still matter

    Cards remain the largest single payment category in European ecommerce, holding 43% market share in 2024. Explore how to maximize the value of your global card strategy.

  • Building your custom payments strategy

    European payment preferences vary dramatically by target country. Discover which payment methods are right for your business based on your needs.

  • Make sure you’re mobile

    More than 63% of global ecommerce revenue comes from mobile transactions. Ensure your business is optimised for mobile — from payment methods to mobile optimisation.

  • A spotlight on localised payment leaders

    60% of ecommerce transactions made in Europe use alternative payment methods. Find out which local payment methods are necessary for your territories.

  • The rise of one-click options

    An average of 20 seconds is saved when a Click to Pay option is used over manual card entry. Learn how to optimise checkout and save your business time.

  • Why cards still matter

    Cards remain the largest single payment category in European ecommerce, holding 43% market share in 2024. Explore how to maximize the value of your global card strategy.

  • Building your custom payments strategy

    European payment preferences vary dramatically by target country. Discover which payment methods are right for your business based on your needs.

  • Make sure you’re mobile

    More than 63% of global ecommerce revenue comes from mobile transactions. Ensure your business is optimised for mobile — from payment methods to mobile optimisation.

  • A spotlight on localised payment leaders

    60% of ecommerce transactions made in Europe use alternative payment methods. Find out which local payment methods are necessary for your territories.

Convert more sales with payabl.

Local methods that drive growth

Choose from over 300 local and global payment methods to generate revenue and business growth.

Fast payments, faster integration

Go live with your chosen payment methods quickly with API and hosted payment page integration.

Global expansion within reach

Expand locally or globally with a carefully curated payments stack that works for your business.

Get the full report

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