How Europe likes to pay: a region-by-region guide to APM adoption

The ultimate guide to payment trends across Europe

Your complete go-to guide for navigating Europe’s diverse payments preferences and trends.

The top payment methods in each country

driving consumer spending, covering Southern, Western, Northern, and Eastern Europe, as well as the Baltics

Key payments trends

including digital wallets, bank transfers, and Buy Now, Pay Later (BNPL) usage in different markets

Strategies to optimise your checkout

experience for higher conversion rates in different markets

58%

rise in cross-border transactions in Europe; how and why

60%

of European e-commerce transactions are made through alternative payment methods

50%

of A2A transactions are processed instantly in two key markets

20%

growth of Eastern Europe’s digital payments market, and why

"The rise of mobile payments in Spain is driven by the need for instant, seamless transactions. Spanish consumers trust bank-integrated solutions, and Bizum’s ability to operate within banking apps has been key to its rapid adoption."
Fernando Rodríguez Ferrer
Business Development Manager,
"EPI is the story of cooperation and a joint objective to unify the European payment system ... It is the story of the power of the “we”. By integrating local payment solutions like Paylib and iDEAL, Wero offers users and merchants a familiar, tested and reliable infrastructure that creates seamless experiences across different countries."
Martina Weimert
CEO,
"Europe is changing. With its pace and innovation, Poland has the chance not just to lead but to inspire others. What is our local success today can become the European standard tomorrow."
Dariusz Mazurkiewicz
CEO,
"Today, success for businesses entering or expanding in the Nordics depends on localisation strategies that put the consumer first. This means going beyond merely offering international payment solutions to embracing trusted, local systems."
Johan Strand
CEO,

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