The most popular online payment methods in Europe

The most popular online payment methods in Europe

The most popular online payment methods in Europe

The most popular online payment methods in Europe

Explore consumer data which shows the most popular online payment methods across Europe. Discover the best payment options to increase conversion.

Explore consumer data which shows the most popular online payment methods across Europe. Discover the best payment options to increase conversion.

Pagamenti-e-checkout

Pagamenti-e-checkout

Pagamenti-e-checkout

18 nov 2024

Imagine walking into a store where you can only pay with cash. No digital wallets, cards, or contactless payments – frustrating, right? That's precisely how your online customers feel when their preferred payment method isn't available at checkout.

Offering the payment options your customers want is crucial for boosting conversion. In fact, we asked 10,000 consumers exactly how essential it is. The result? 91% said it was important that retailers offer their preferred payment method when shopping online.

Yet, understanding what customers want when they hit the checkout button takes time and effort. Consumer preferences evolve, with new payment methods regularly emerging and older ones falling out of favour.

Here's the thing: What works in one country might flop in another. Why? Because some markets are card-heavy and others have unique local leaders. And when you look further down the favourites list, you see even more nuance. 

But, knowing the correct payment methods to offer is usually the difference between a successful sale and a lost customer.

Imagine walking into a store where you can only pay with cash. No digital wallets, cards, or contactless payments – frustrating, right? That's precisely how your online customers feel when their preferred payment method isn't available at checkout.

Offering the payment options your customers want is crucial for boosting conversion. In fact, we asked 10,000 consumers exactly how essential it is. The result? 91% said it was important that retailers offer their preferred payment method when shopping online.

Yet, understanding what customers want when they hit the checkout button takes time and effort. Consumer preferences evolve, with new payment methods regularly emerging and older ones falling out of favour.

Here's the thing: What works in one country might flop in another. Why? Because some markets are card-heavy and others have unique local leaders. And when you look further down the favourites list, you see even more nuance. 

But, knowing the correct payment methods to offer is usually the difference between a successful sale and a lost customer.

Imagine walking into a store where you can only pay with cash. No digital wallets, cards, or contactless payments – frustrating, right? That's precisely how your online customers feel when their preferred payment method isn't available at checkout.

Offering the payment options your customers want is crucial for boosting conversion. In fact, we asked 10,000 consumers exactly how essential it is. The result? 91% said it was important that retailers offer their preferred payment method when shopping online.

Yet, understanding what customers want when they hit the checkout button takes time and effort. Consumer preferences evolve, with new payment methods regularly emerging and older ones falling out of favour.

Here's the thing: What works in one country might flop in another. Why? Because some markets are card-heavy and others have unique local leaders. And when you look further down the favourites list, you see even more nuance. 

But, knowing the correct payment methods to offer is usually the difference between a successful sale and a lost customer.

Imagine walking into a store where you can only pay with cash. No digital wallets, cards, or contactless payments – frustrating, right? That's precisely how your online customers feel when their preferred payment method isn't available at checkout.

Offering the payment options your customers want is crucial for boosting conversion. In fact, we asked 10,000 consumers exactly how essential it is. The result? 91% said it was important that retailers offer their preferred payment method when shopping online.

Yet, understanding what customers want when they hit the checkout button takes time and effort. Consumer preferences evolve, with new payment methods regularly emerging and older ones falling out of favour.

Here's the thing: What works in one country might flop in another. Why? Because some markets are card-heavy and others have unique local leaders. And when you look further down the favourites list, you see even more nuance. 

But, knowing the correct payment methods to offer is usually the difference between a successful sale and a lost customer.

What are the most popular payment methods online?

We wanted to show the most popular online payment methods across five markets: the Netherlands, Belgium, Germany, the UK, and France. So, we surveyed 10,000 consumers and asked them to rank the ones they prefer to use.

In this article, we explore the data, showing the preferred payment options in each country and the local trends that shape how people shop online.

We wanted to show the most popular online payment methods across five markets: the Netherlands, Belgium, Germany, the UK, and France. So, we surveyed 10,000 consumers and asked them to rank the ones they prefer to use.

In this article, we explore the data, showing the preferred payment options in each country and the local trends that shape how people shop online.

We wanted to show the most popular online payment methods across five markets: the Netherlands, Belgium, Germany, the UK, and France. So, we surveyed 10,000 consumers and asked them to rank the ones they prefer to use.

In this article, we explore the data, showing the preferred payment options in each country and the local trends that shape how people shop online.

We wanted to show the most popular online payment methods across five markets: the Netherlands, Belgium, Germany, the UK, and France. So, we surveyed 10,000 consumers and asked them to rank the ones they prefer to use.

In this article, we explore the data, showing the preferred payment options in each country and the local trends that shape how people shop online.

The most popular online payment methods by country

The most popular payment methods in the UK

The most common online payment method in the UK is credit or debit cards, with 73% of UK consumers ranking it as their preferred choice when shopping online. The dominance of cards is due to their widespread availability, the rise of contactless and mobile payments, and familiarity among UK shoppers. Digital wallets, Open Banking payments, and BNPL options are also popular.

"Cards have long been the go-to payment method in the UK," Iryna says. "Since the introduction of chip-and-PIN in 2006 and contactless payments in 2007, they've offered consumers a more seamless, trusted experience. If you're selling in the UK, they're a must have for your business.

"However, to attract and convert online shoppers, you should go beyond just offering card payments. With the rise of BNPL services, digital wallets, and Open Banking solutions, consumers are increasingly looking for flexible options. Add these to your payment mix, and you'll have a good chance of attracting and converting UK consumers."

The most popular payment methods in Germany

In Germany, PayPal is the most popular online payment method, with 67% of consumers preferring to use it for online purchases. Purchasing on account is in second place with 40%, and cards, direct debits, and SEPA Bank Transfer make up the rest of the top five methods.

Here's our Head of Payments, Iryna Agieieva, on the results.

"German shoppers are quite security conscious, which is one reason PayPal is so popular," Iryna explains. "It lets consumers pay without entering credit card details or other sensitive information. It also offers flexibility with buy now, pay later (BNPL) payments, which allows shoppers to receive items before sending their money. This is also one reason that purchasing on account is the second most popular option.

"Of course, the most popular payment methods are those that are well-known and have strong brand recognition. To be successful in Germany, it's vital that you offer these options."

The most popular payment methods in the Netherlands

The most popular online payment method in the Netherlands is iDEAL, with exactly two-thirds of Dutch consumers preferring it for online transactions. In fact, it powers more than 70% of the country's online purchases. We're now seeing it change as iDEAL 2.0 rolls out across the Netherlands. Eventually, it will offer more ways to pay, including one-click, recurring, and BNPL payments.

In addition to iDEAL, PayPal and card payments are popular choices for Dutch consumers. Cards are also currently undergoing a significant transformation with the rollout of Visa and Mastercard Debit. BNPL and digital wallets are also popular with Dutch consumers.

"iDEAL is still the top choice for Dutch consumers," Iryna says. "But with Visa and Mastercard Debit, online shoppers will have new and easier ways to use their card, whether through wallets, express checkout flows, or other options. So, it does look like cards could play an increasingly important role in the Dutch payments landscape. 

“And BNPL methods are becoming more popular – with Dutch shoppers wanting more flexibility in how and when they pay."

The most popular payment methods in France

In France, credit and debit cards are the most preferred payment methods for online transactions, with 71% of consumers ranking them in their top options. Like in the UK, cards are widely available and trusted by shoppers. PayPal is also popular in the French market, with 57% of consumers ranking it as a preferred payment choice. 

Digital wallets and BNPL options like Klarna and Alma are also popular with consumers – and could become more popular as the payment landscape evolves.

"Mobile wallets, BNPL, and Open Banking are shaping the future of payments in France," Iryna explains. "That means it's a good idea to offer the leading choices – cards and PayPal – as well as more flexible, digital-first payment options. These and BNPL options are particularly important when selling high-ticket items or to young consumers."

The most popular payment methods in Belgium


In Belgium, Bancontact is the clear leader, with 73% of consumers ranking it as their preferred choice for online payments. Introduced in the 70s, it now helps shoppers make secure, real-time payments from their bank accounts via a physical card, contactless technology, or a mobile app. Its ubiquity in Belgium makes it a must-have payment option if you’re selling to shoppers in the country.

“Despite Bancontact’s dominance, the payments landscape in Belgium is evolving quickly,” Iryna says. “Now, digital wallets, mobile payments, and BNPL services are gaining traction as Belgian consumers become more open to flexible and convenient alternatives. That’s why as well as Bancontact and card payments, businesses should offer a range of other methods to boost conversion.”

The most popular payment methods in the UK

The most common online payment method in the UK is credit or debit cards, with 73% of UK consumers ranking it as their preferred choice when shopping online. The dominance of cards is due to their widespread availability, the rise of contactless and mobile payments, and familiarity among UK shoppers. Digital wallets, Open Banking payments, and BNPL options are also popular.

"Cards have long been the go-to payment method in the UK," Iryna says. "Since the introduction of chip-and-PIN in 2006 and contactless payments in 2007, they've offered consumers a more seamless, trusted experience. If you're selling in the UK, they're a must have for your business.

"However, to attract and convert online shoppers, you should go beyond just offering card payments. With the rise of BNPL services, digital wallets, and Open Banking solutions, consumers are increasingly looking for flexible options. Add these to your payment mix, and you'll have a good chance of attracting and converting UK consumers."

The most popular payment methods in Germany

In Germany, PayPal is the most popular online payment method, with 67% of consumers preferring to use it for online purchases. Purchasing on account is in second place with 40%, and cards, direct debits, and SEPA Bank Transfer make up the rest of the top five methods.

Here's our Head of Payments, Iryna Agieieva, on the results.

"German shoppers are quite security conscious, which is one reason PayPal is so popular," Iryna explains. "It lets consumers pay without entering credit card details or other sensitive information. It also offers flexibility with buy now, pay later (BNPL) payments, which allows shoppers to receive items before sending their money. This is also one reason that purchasing on account is the second most popular option.

"Of course, the most popular payment methods are those that are well-known and have strong brand recognition. To be successful in Germany, it's vital that you offer these options."

The most popular payment methods in the Netherlands

The most popular online payment method in the Netherlands is iDEAL, with exactly two-thirds of Dutch consumers preferring it for online transactions. In fact, it powers more than 70% of the country's online purchases. We're now seeing it change as iDEAL 2.0 rolls out across the Netherlands. Eventually, it will offer more ways to pay, including one-click, recurring, and BNPL payments.

In addition to iDEAL, PayPal and card payments are popular choices for Dutch consumers. Cards are also currently undergoing a significant transformation with the rollout of Visa and Mastercard Debit. BNPL and digital wallets are also popular with Dutch consumers.

"iDEAL is still the top choice for Dutch consumers," Iryna says. "But with Visa and Mastercard Debit, online shoppers will have new and easier ways to use their card, whether through wallets, express checkout flows, or other options. So, it does look like cards could play an increasingly important role in the Dutch payments landscape. 

“And BNPL methods are becoming more popular – with Dutch shoppers wanting more flexibility in how and when they pay."

The most popular payment methods in France

In France, credit and debit cards are the most preferred payment methods for online transactions, with 71% of consumers ranking them in their top options. Like in the UK, cards are widely available and trusted by shoppers. PayPal is also popular in the French market, with 57% of consumers ranking it as a preferred payment choice. 

Digital wallets and BNPL options like Klarna and Alma are also popular with consumers – and could become more popular as the payment landscape evolves.

"Mobile wallets, BNPL, and Open Banking are shaping the future of payments in France," Iryna explains. "That means it's a good idea to offer the leading choices – cards and PayPal – as well as more flexible, digital-first payment options. These and BNPL options are particularly important when selling high-ticket items or to young consumers."

The most popular payment methods in Belgium


In Belgium, Bancontact is the clear leader, with 73% of consumers ranking it as their preferred choice for online payments. Introduced in the 70s, it now helps shoppers make secure, real-time payments from their bank accounts via a physical card, contactless technology, or a mobile app. Its ubiquity in Belgium makes it a must-have payment option if you’re selling to shoppers in the country.

“Despite Bancontact’s dominance, the payments landscape in Belgium is evolving quickly,” Iryna says. “Now, digital wallets, mobile payments, and BNPL services are gaining traction as Belgian consumers become more open to flexible and convenient alternatives. That’s why as well as Bancontact and card payments, businesses should offer a range of other methods to boost conversion.”

The most popular payment methods in the UK

The most common online payment method in the UK is credit or debit cards, with 73% of UK consumers ranking it as their preferred choice when shopping online. The dominance of cards is due to their widespread availability, the rise of contactless and mobile payments, and familiarity among UK shoppers. Digital wallets, Open Banking payments, and BNPL options are also popular.

"Cards have long been the go-to payment method in the UK," Iryna says. "Since the introduction of chip-and-PIN in 2006 and contactless payments in 2007, they've offered consumers a more seamless, trusted experience. If you're selling in the UK, they're a must have for your business.

"However, to attract and convert online shoppers, you should go beyond just offering card payments. With the rise of BNPL services, digital wallets, and Open Banking solutions, consumers are increasingly looking for flexible options. Add these to your payment mix, and you'll have a good chance of attracting and converting UK consumers."

The most popular payment methods in Germany

In Germany, PayPal is the most popular online payment method, with 67% of consumers preferring to use it for online purchases. Purchasing on account is in second place with 40%, and cards, direct debits, and SEPA Bank Transfer make up the rest of the top five methods.

Here's our Head of Payments, Iryna Agieieva, on the results.

"German shoppers are quite security conscious, which is one reason PayPal is so popular," Iryna explains. "It lets consumers pay without entering credit card details or other sensitive information. It also offers flexibility with buy now, pay later (BNPL) payments, which allows shoppers to receive items before sending their money. This is also one reason that purchasing on account is the second most popular option.

"Of course, the most popular payment methods are those that are well-known and have strong brand recognition. To be successful in Germany, it's vital that you offer these options."

The most popular payment methods in the Netherlands

The most popular online payment method in the Netherlands is iDEAL, with exactly two-thirds of Dutch consumers preferring it for online transactions. In fact, it powers more than 70% of the country's online purchases. We're now seeing it change as iDEAL 2.0 rolls out across the Netherlands. Eventually, it will offer more ways to pay, including one-click, recurring, and BNPL payments.

In addition to iDEAL, PayPal and card payments are popular choices for Dutch consumers. Cards are also currently undergoing a significant transformation with the rollout of Visa and Mastercard Debit. BNPL and digital wallets are also popular with Dutch consumers.

"iDEAL is still the top choice for Dutch consumers," Iryna says. "But with Visa and Mastercard Debit, online shoppers will have new and easier ways to use their card, whether through wallets, express checkout flows, or other options. So, it does look like cards could play an increasingly important role in the Dutch payments landscape. 

“And BNPL methods are becoming more popular – with Dutch shoppers wanting more flexibility in how and when they pay."

The most popular payment methods in France

In France, credit and debit cards are the most preferred payment methods for online transactions, with 71% of consumers ranking them in their top options. Like in the UK, cards are widely available and trusted by shoppers. PayPal is also popular in the French market, with 57% of consumers ranking it as a preferred payment choice. 

Digital wallets and BNPL options like Klarna and Alma are also popular with consumers – and could become more popular as the payment landscape evolves.

"Mobile wallets, BNPL, and Open Banking are shaping the future of payments in France," Iryna explains. "That means it's a good idea to offer the leading choices – cards and PayPal – as well as more flexible, digital-first payment options. These and BNPL options are particularly important when selling high-ticket items or to young consumers."

The most popular payment methods in Belgium


In Belgium, Bancontact is the clear leader, with 73% of consumers ranking it as their preferred choice for online payments. Introduced in the 70s, it now helps shoppers make secure, real-time payments from their bank accounts via a physical card, contactless technology, or a mobile app. Its ubiquity in Belgium makes it a must-have payment option if you’re selling to shoppers in the country.

“Despite Bancontact’s dominance, the payments landscape in Belgium is evolving quickly,” Iryna says. “Now, digital wallets, mobile payments, and BNPL services are gaining traction as Belgian consumers become more open to flexible and convenient alternatives. That’s why as well as Bancontact and card payments, businesses should offer a range of other methods to boost conversion.”

The most popular payment methods in the UK

The most common online payment method in the UK is credit or debit cards, with 73% of UK consumers ranking it as their preferred choice when shopping online. The dominance of cards is due to their widespread availability, the rise of contactless and mobile payments, and familiarity among UK shoppers. Digital wallets, Open Banking payments, and BNPL options are also popular.

"Cards have long been the go-to payment method in the UK," Iryna says. "Since the introduction of chip-and-PIN in 2006 and contactless payments in 2007, they've offered consumers a more seamless, trusted experience. If you're selling in the UK, they're a must have for your business.

"However, to attract and convert online shoppers, you should go beyond just offering card payments. With the rise of BNPL services, digital wallets, and Open Banking solutions, consumers are increasingly looking for flexible options. Add these to your payment mix, and you'll have a good chance of attracting and converting UK consumers."

The most popular payment methods in Germany

In Germany, PayPal is the most popular online payment method, with 67% of consumers preferring to use it for online purchases. Purchasing on account is in second place with 40%, and cards, direct debits, and SEPA Bank Transfer make up the rest of the top five methods.

Here's our Head of Payments, Iryna Agieieva, on the results.

"German shoppers are quite security conscious, which is one reason PayPal is so popular," Iryna explains. "It lets consumers pay without entering credit card details or other sensitive information. It also offers flexibility with buy now, pay later (BNPL) payments, which allows shoppers to receive items before sending their money. This is also one reason that purchasing on account is the second most popular option.

"Of course, the most popular payment methods are those that are well-known and have strong brand recognition. To be successful in Germany, it's vital that you offer these options."

The most popular payment methods in the Netherlands

The most popular online payment method in the Netherlands is iDEAL, with exactly two-thirds of Dutch consumers preferring it for online transactions. In fact, it powers more than 70% of the country's online purchases. We're now seeing it change as iDEAL 2.0 rolls out across the Netherlands. Eventually, it will offer more ways to pay, including one-click, recurring, and BNPL payments.

In addition to iDEAL, PayPal and card payments are popular choices for Dutch consumers. Cards are also currently undergoing a significant transformation with the rollout of Visa and Mastercard Debit. BNPL and digital wallets are also popular with Dutch consumers.

"iDEAL is still the top choice for Dutch consumers," Iryna says. "But with Visa and Mastercard Debit, online shoppers will have new and easier ways to use their card, whether through wallets, express checkout flows, or other options. So, it does look like cards could play an increasingly important role in the Dutch payments landscape. 

“And BNPL methods are becoming more popular – with Dutch shoppers wanting more flexibility in how and when they pay."

The most popular payment methods in France

In France, credit and debit cards are the most preferred payment methods for online transactions, with 71% of consumers ranking them in their top options. Like in the UK, cards are widely available and trusted by shoppers. PayPal is also popular in the French market, with 57% of consumers ranking it as a preferred payment choice. 

Digital wallets and BNPL options like Klarna and Alma are also popular with consumers – and could become more popular as the payment landscape evolves.

"Mobile wallets, BNPL, and Open Banking are shaping the future of payments in France," Iryna explains. "That means it's a good idea to offer the leading choices – cards and PayPal – as well as more flexible, digital-first payment options. These and BNPL options are particularly important when selling high-ticket items or to young consumers."

The most popular payment methods in Belgium


In Belgium, Bancontact is the clear leader, with 73% of consumers ranking it as their preferred choice for online payments. Introduced in the 70s, it now helps shoppers make secure, real-time payments from their bank accounts via a physical card, contactless technology, or a mobile app. Its ubiquity in Belgium makes it a must-have payment option if you’re selling to shoppers in the country.

“Despite Bancontact’s dominance, the payments landscape in Belgium is evolving quickly,” Iryna says. “Now, digital wallets, mobile payments, and BNPL services are gaining traction as Belgian consumers become more open to flexible and convenient alternatives. That’s why as well as Bancontact and card payments, businesses should offer a range of other methods to boost conversion.”

The best online payment methods for your business

Perfecting your payment setup can be a challenge for ecommerce businesses. After all, it's not just about offering the top choice; you also need to think about checkout flows, customer preferences, fees, recurring payments, how to process refunds, reconciliation, and more.

Getting these elements right is vital. And that's exactly how we help businesses here at Mollie. We serve more than 250,000 businesses across Europe with an all-in-one solution that simplifies payments and money management.

Perfecting your payment setup can be a challenge for ecommerce businesses. After all, it's not just about offering the top choice; you also need to think about checkout flows, customer preferences, fees, recurring payments, how to process refunds, reconciliation, and more.

Getting these elements right is vital. And that's exactly how we help businesses here at Mollie. We serve more than 250,000 businesses across Europe with an all-in-one solution that simplifies payments and money management.

Perfecting your payment setup can be a challenge for ecommerce businesses. After all, it's not just about offering the top choice; you also need to think about checkout flows, customer preferences, fees, recurring payments, how to process refunds, reconciliation, and more.

Getting these elements right is vital. And that's exactly how we help businesses here at Mollie. We serve more than 250,000 businesses across Europe with an all-in-one solution that simplifies payments and money management.

Perfecting your payment setup can be a challenge for ecommerce businesses. After all, it's not just about offering the top choice; you also need to think about checkout flows, customer preferences, fees, recurring payments, how to process refunds, reconciliation, and more.

Getting these elements right is vital. And that's exactly how we help businesses here at Mollie. We serve more than 250,000 businesses across Europe with an all-in-one solution that simplifies payments and money management.

Offer the most popular payment methods in Europe with Mollie

We help businesses cater to European customers by offering more than 35 local and global payment methods. That includes trusted local solutions like iDEAL, Bancontact, and emerging BNPL options. We also provide global leaders like PayPal, Apple Pay, and card payments.

You also get:

  • Localised payment options that improve the user experience and boost conversion rates

  • Quick and easy integration with leading ecommerce platforms

  • Transparent pricing with no hidden fees or lock-in contracts

  • Secure and reliable payments that comply with PCI DSS standards

  • Real-time insights into your transactions and performance

Whether you're selling in the Netherlands, Germany, France, The UK, or Belgium – or across multiple markets – offer the most popular online payment methods with Mollie.

Explore our online payments solution.

We help businesses cater to European customers by offering more than 35 local and global payment methods. That includes trusted local solutions like iDEAL, Bancontact, and emerging BNPL options. We also provide global leaders like PayPal, Apple Pay, and card payments.

You also get:

  • Localised payment options that improve the user experience and boost conversion rates

  • Quick and easy integration with leading ecommerce platforms

  • Transparent pricing with no hidden fees or lock-in contracts

  • Secure and reliable payments that comply with PCI DSS standards

  • Real-time insights into your transactions and performance

Whether you're selling in the Netherlands, Germany, France, The UK, or Belgium – or across multiple markets – offer the most popular online payment methods with Mollie.

Explore our online payments solution.

We help businesses cater to European customers by offering more than 35 local and global payment methods. That includes trusted local solutions like iDEAL, Bancontact, and emerging BNPL options. We also provide global leaders like PayPal, Apple Pay, and card payments.

You also get:

  • Localised payment options that improve the user experience and boost conversion rates

  • Quick and easy integration with leading ecommerce platforms

  • Transparent pricing with no hidden fees or lock-in contracts

  • Secure and reliable payments that comply with PCI DSS standards

  • Real-time insights into your transactions and performance

Whether you're selling in the Netherlands, Germany, France, The UK, or Belgium – or across multiple markets – offer the most popular online payment methods with Mollie.

Explore our online payments solution.

We help businesses cater to European customers by offering more than 35 local and global payment methods. That includes trusted local solutions like iDEAL, Bancontact, and emerging BNPL options. We also provide global leaders like PayPal, Apple Pay, and card payments.

You also get:

  • Localised payment options that improve the user experience and boost conversion rates

  • Quick and easy integration with leading ecommerce platforms

  • Transparent pricing with no hidden fees or lock-in contracts

  • Secure and reliable payments that comply with PCI DSS standards

  • Real-time insights into your transactions and performance

Whether you're selling in the Netherlands, Germany, France, The UK, or Belgium – or across multiple markets – offer the most popular online payment methods with Mollie.

Explore our online payments solution.

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MollieCrescitaThe most popular online payment methods in Europe
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