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Europe at the Point of Sale Card transactions in the EU-27
Europe at the POS – Card transactions in the EU-27 2
© payworks GmbH 2012
Editorial
Dear reader,
with payworks.insights we want to share the knowledge and information we gain through our daily work in the
mobile payment market, having gained tremendous momentum over the past few months. Both small but
ambitious startups as well as established players are frequently introducing new solutions in many areas of
the world. On the one hand, this development has been made possible by an ever increasing smartphone
penetration, with more and more people using their mobile devices for far more than just doing phone calls.
More importantly though, companies have found ways to include these mobile devices into mobile payment
solutions that build on top of existing infrastructures and networks and thus require a minimum of behavioral
change from their users.
For both the mobile Point of Sale as well as the mobile Commerce space, the current development bears a
huge potential. Whether it is add-on services such as loyalty programs or coupons for merchants, or an
enriched shopping experience for users – the possibilities are vast. At payworks we are very excited about
these promising opportunities for all players along the value chain.
Implementing and operating mobile payment technology in a secure and regulatory compliant way is a big
challenge for any company. However, in order to unleash the full potential of new kinds of mobile Point of Sale
and mobile Commerce solutions, setting up and maintaining the payment infrastructure is a decisive factor. In
our view though, it should not hinder anybody to enter the market with his or her projects and ideas. With our
team of talented engineers and dedicated payment experts, it is our contribution at payworks to help mobile
payment providers to realize their projects and enable them to enter the market with innovative and reliable
solutions without the need of high investments. This way we are paving the way for even greater and richer
features being built on top of that.
At payworks, we strongly believe in an open and transparent approach, whether this is providing developers
with access to our infrastructure or sharing our knowledge and ideas with the mobile payment community.
That’s why we created payworks.insights. Through payworks.insights we want to share the knowledge and
information we gain through our daily work in one of the most exciting markets we can imagine. We hope that
payworks.insights provides valuable information to you, causes you to think about the payment market,
initiates discussions or even creates new ideas.
In this first issue, we share some of the findings from our analysis of card payments at the Point of Sale in the
EU-27 countries. In our study we combined past and current data from various sources in order to better
understand current and future consumer behavior at the Point of Sale in Europe. We found that on average
each individual is doing a growing number of transactions with payment cards. At the same time, the cards are
used to pay for smaller amounts. Even though this trend seems to be prevalent throughout Europe, there are
still considerable differences between the various countries. The numbers you find on the next pages provided
us with a better understanding of the current market environment – hopefully it also provides some new
insights for you.
We hope you enjoy payworks.insights! We very much look forward to receiving your feedback or suggestions.
Feel free to contact us at insights@payworksmobile.com, send us a letter, give us a call or just drop by our
office whenever you make it to Munich.
Best regards,
Christian Deger
Managing Director, payworks
Europe at the POS – Card transactions in the EU-27 3
© payworks GmbH 2012
Contents
Clarification 4
Country Profiles
Austria 5
Belgium 6
Bulgaria 7
Cyprus 8
Czech Republic 9
Denmark 10
Estonia 11
Finland 12
France 13
Germany 14
Greece 15
Hungary 16
Ireland 17
Italy 18
Latvia 19
Lithuania 20
Luxembourg 21
Malta 22
The Netherlands 23
Poland 24
Portugal 25
Romania 26
Slovakia 27
Slovenia 28
Spain 29
Sweden 30
United Kingdom 31
European Union 27 32
At a glance
Country comparison 33
Imprint 35
Europe at the POS – Card transactions in the EU-27 4
© payworks GmbH 2012
Clarification
Data & Sources
The numbers on the following pages refer to the year 2011. Time series cover the time span from 2007 to
2011. Number of cards per person and number of card transactions per year are calculated based on the
respective population older than 14 years. All core data is retrieved from the following sources:
[1] CIA World Factbook –
[2] European Central Bank (ECB) –
[3] Organization for Economic Cooperation and Development (OECD) –
[4] The World Bank –
Symbol Key
5 transactions 4 euros 1 card
https://www.cia.gov/library/publications/the-world-factbook
http://sdw.ecb.europa.eu
http://www.oecd.org/statistics
http://econ.worldbank.org
Population [m]
GDP [EUR, bn]
GDP per capita [EUR]
POS card transaction volume [EUR, bn]
Mobile phones [m]
Internet penetration [%]
Annual POS card transactions per person Number of transactions
© payworks GmbH 2012
Europe at the POS – Card transactions in the EU-27
Average ticket size of POS card transactions in EUR
5
cards per person
average ticket size
card transactions per person per year
Austria
8.4
300.7
35,710
16.5
13.0
73.0
1.62
50.21 EUR
45
Ø EU-27
Ø EU-27
Ø EU-27
49.70 50.20 49.32 50.09 50.21
2007 2008 2009 2010 2011
35 38 41 44 45
2007 2008 2009 2010 2011
Population [m]
GDP [EUR, bn]
GDP per capita [EUR]
POS card transaction volume [EUR, bn]
Mobile phones [m]
Internet penetration [%]
Annual POS card transactions per person Number of transactions
© payworks GmbH 2012
Europe at the POS – Card transactions in the EU-27
Average ticket size of POS card transactions in EUR
6
cards per person
average ticket size
card transactions per person per year
Belgium
11.0
369.8
33,689
55.1
12.5
73.9
2.16
52.52 EUR
113
Ø EU-27
Ø EU-27
Ø EU-27
54.11 53.76 52.72 52.84 52.52
2007 2008 2009 2010 2011
90 96 102 107 113
2007 2008 2009 2010 2011
Population [m]
GDP [EUR, bn]
GDP per capita [EUR]
POS card transaction volume [EUR, bn]
Mobile phones [m]
Internet penetration [%]
Annual POS card transactions per person Number of transactions
© payworks GmbH 2012
Europe at the POS – Card transactions in the EU-27
Average ticket size of POS card transactions in EUR
7
cards per person
average ticket size
card transactions per person per year
Bulgaria
7.5
38.5
5,159
1.1
10.6
45.5
1.24
45.68 EUR
4
Ø EU-27
Ø EU-27
Ø EU-27
96.25
84.14
66.22
50.00 45.68
2007 2008 2009 2010 2011
1 2 2 3 4
2007 2008 2009 2010 2011
Population [m]
GDP [EUR, bn]
GDP per capita [EUR]
POS card transaction volume [EUR, bn]
Mobile phones [m]
Internet penetration [%]
Annual POS card transactions per person Number of transactions
© payworks GmbH 2012
Europe at the POS – Card transactions in the EU-27
Average ticket size of POS card transactions in EUR
8
cards per person
average ticket size
card transactions per person per year
Cyprus
0.8
17.8
20,605
0.2
1.0
50.3
1.91
73.45 EUR
41
Ø EU-27
Ø EU-27
Ø EU-27
74.56 77.69 74.80 72.94 73.45
2007 2008 2009 2010 2011
32 36 36 38 41
2007 2008 2009 2010 2011
Population [m]
GDP [EUR, bn]
GDP per capita [EUR]
POS card transaction volume [EUR, bn]
Mobile phones [m]
Internet penetration [%]
Annual POS card transactions per person Number of transactions
© payworks GmbH 2012
Europe at the POS – Card transactions in the EU-27
Average ticket size of POS card transactions in EUR
9
cards per person
average ticket size
card transactions per person per year
Czech Republic
10.5
154.9
14,693
9.6
14.3
63.4
1.07
38.47 EUR
27
Ø EU-27
Ø EU-27
Ø EU-27
38.74 45.62
36.88 33.41 38.47
2007 2008 2009 2010 2011
14 16 20 23 27
2007 2008 2009 2010 2011
Population [m]
GDP [EUR, bn]
GDP per capita [EUR]
POS card transaction volume [EUR, bn]
Mobile phones [m]
Internet penetration [%]
Annual POS card transactions per person Number of transactions
© payworks GmbH 2012
Europe at the POS – Card transactions in the EU-27
Average ticket size of POS card transactions in EUR
10
cards per person
average ticket size
card transactions per person per year
Denmark
5.6
239.2
42,957
41.4
6.9
85.3
1.64
43.93 EUR
205
Ø EU-27
Ø EU-27
Ø EU-27
50.19 46.70 44.26 45.13 43.93
2007 2008 2009 2010 2011
177 184 183 194
205
2007 2008 2009 2010 2011
Population [m]
GDP [EUR, bn]
GDP per capita [EUR]
POS card transaction volume [EUR, bn]
Mobile phones [m]
Internet penetration [%]
Annual POS card transactions per person Number of transactions
© payworks GmbH 2012
Europe at the POS – Card transactions in the EU-27
Average ticket size of POS card transactions in EUR
11
cards per person
average ticket size
card transactions per person per year
Estonia
1.3
16.0
11,918
2.7
1.7
72.5
1.57
14.56 EUR
163
Ø EU-27
Ø EU-27
Ø EU-27
18.18 17.92 15.41 14.92 14.56
2007 2008 2009 2010 2011
111 125 129 138
163
2007 2008 2009 2010 2011
Population [m]
GDP [EUR, bn]
GDP per capita [EUR]
POS card transaction volume [EUR, bn]
Mobile phones [m]
Internet penetration [%]
Annual POS card transactions per person Number of transactions
© payworks GmbH 2012
Europe at the POS – Card transactions in the EU-27
Average ticket size of POS card transactions in EUR
12
cards per person
average ticket size
card transactions per person per year
Finland
5.4
189.4
35,150
36.1
8.4
81.5
1.73
33.06 EUR
241
Ø EU-27
Ø EU-27
Ø EU-27
34.97
10.86
33.04 33.82 33.06
2007 2008 2009 2010 2011
206 222
200
231 241
2007 2008 2009 2010 2011
Population [m]
GDP [EUR, bn]
GDP per capita [EUR]
POS card transaction volume [EUR, bn]
Mobile phones [m]
Internet penetration [%]
Annual POS card transactions per person Number of transactions
© payworks GmbH 2012
Europe at the POS – Card transactions in the EU-27
Average ticket size of POS card transactions in EUR
13
cards per person
average ticket size
card transactions per person per year
France
65.2
1,996.6
30,634
373.1
64.0
69.5
1.87
48.94 EUR
144
Ø EU-27
Ø EU-27
Ø EU-27
49.63 49.77 48.23 48.28 48.94
2007 2008 2009 2010 2011
115 122 128 136 144
2007 2008 2009 2010 2011
Population [m]
GDP [EUR, bn]
GDP per capita [EUR]
POS card transaction volume [EUR, bn]
Mobile phones [m]
Internet penetration [%]
Annual POS card transactions per person Number of transactions
© payworks GmbH 2012
Europe at the POS – Card transactions in the EU-27
Average ticket size of POS card transactions in EUR
14
cards per person
average ticket size
card transactions per person per year
Germany
81.8
2,592.6
31,703
166.2
105.0
79.6
1.89
61.07 EUR
38
Ø EU-27
Ø EU-27
Ø EU-27
63.29 61.95 60.40 60.26 61.07
2007 2008 2009 2010 2011
28 31 32 35 38
2007 2008 2009 2010 2011
Population [m]
GDP [EUR, bn]
GDP per capita [EUR]
POS card transaction volume [EUR, bn]
Mobile phones [m]
Internet penetration [%]
Annual POS card transactions per person Number of transactions
© payworks GmbH 2012
Europe at the POS – Card transactions in the EU-27
Average ticket size of POS card transactions in EUR
15
cards per person
average ticket size
card transactions per person per year
Greece
11.3
215.1
19,018
4.9
12.3
44.0
1.51
84.24 EUR
6
Ø EU-27
Ø EU-27
Ø EU-27
81.57 82.34 88.59 87.91 84.24
2007 2008 2009 2010 2011
7 7 7 6 6
2007 2008 2009 2010 2011
Population [m]
GDP [EUR, bn]
GDP per capita [EUR]
POS card transaction volume [EUR, bn]
Mobile phones [m]
Internet penetration [%]
Annual POS card transactions per person Number of transactions
© payworks GmbH 2012
Europe at the POS – Card transactions in the EU-27
Average ticket size of POS card transactions in EUR
16
cards per person
average ticket size
card transactions per person per year
Hungary
10.0
100.5
10,077
10.3
12.0
61.9
1.05
45.05 EUR
27
Ø EU-27
Ø EU-27
Ø EU-27
69.78 63.05
47.48 46.51 45.05
2007 2009 2009 2010 2011
16 19 21 24 27
2007 2008 2009 2010 2011
Population [m]
GDP [EUR, bn]
GDP per capita [EUR]
POS card transaction volume [EUR, bn]
Mobile phones [m]
Internet penetration [%]
Annual POS card transactions per person Number of transactions
© payworks GmbH 2012
Europe at the POS – Card transactions in the EU-27
Average ticket size of POS card transactions in EUR
17
cards per person
average ticket size
card transactions per person per year
Ireland
4.5
156.4
34,837
23.6
4.7
67.7
1.86
69.49 EUR
96
Ø EU-27
Ø EU-27
Ø EU-27
94.04 84.70
75.70 72.17 69.49
2007 2008 2009 2010 2011
72 86 87 90 96
2007 2008 2009 2010 2011
Population [m]
GDP [EUR, bn]
GDP per capita [EUR]
POS card transaction volume [EUR, bn]
Mobile phones [m]
Internet penetration [%]
Annual POS card transactions per person Number of transactions
© payworks GmbH 2012
Europe at the POS – Card transactions in the EU-27
Average ticket size of POS card transactions in EUR
18
cards per person
average ticket size
card transactions per person per year
Italy
60.7
1,580.2
26,012
141.8
82.0
48.1
1.59
81.19 EUR
33
Ø EU-27
Ø EU-27
Ø EU-27
92.77
71.61 79.05
87.25 81.19
2007 2008 2009 2010 2011
16 17 28 27 33
2007 2008 2009 2010 2011
Population [m]
GDP [EUR, bn]
GDP per capita [EUR]
POS card transaction volume [EUR, bn]
Mobile phones [m]
Internet penetration [%]
Annual POS card transactions per person Number of transactions
© payworks GmbH 2012
Europe at the POS – Card transactions in the EU-27
Average ticket size of POS card transactions in EUR
19
cards per person
average ticket size
card transactions per person per year
Latvia
2.1
20.1
9,759
1.5
2.3
73.2
1.31
15.47 EUR
54
Ø EU-27
Ø EU-27
Ø EU-27
20.11 19.61 15.47 15.01 15.47
2007 2008 2009 2010 2011
37 44 44 49 54
2007 2008 2009 2010 2011
Population [m]
GDP [EUR, bn]
GDP per capita [EUR]
POS card transaction volume [EUR, bn]
Mobile phones [m]
Internet penetration [%]
Annual POS card transactions per person Number of transactions
© payworks GmbH 2012
Europe at the POS – Card transactions in the EU-27
Average ticket size of POS card transactions in EUR
20
cards per person
average ticket size
card transactions per person per year
Lithuania
3.2
30.7
9,529
1.5
4.9
61.0
1.40
15.35 EUR
36
Ø EU-27
Ø EU-27
Ø EU-27
17.89 18.69 15.67 15.09 15.35
2007 2008 2009 2010 2011
24 29 31 32 36
2007 2008 2009 2010 2011
Population [m]
GDP [EUR, bn]
GDP per capita [EUR]
POS card transaction volume [EUR, bn]
Mobile phones [m]
Internet penetration [%]
Annual POS card transactions per person Number of transactions
© payworks GmbH 2012
Europe at the POS – Card transactions in the EU-27
Average ticket size of POS card transactions in EUR
21
cards per person
average ticket size
card transactions per person per year
Luxembourg
0.5
42.8
82,651
2.9
0.7
81.9
3.99
69.34 EUR
100
Ø EU-27
Ø EU-27
Ø EU-27
67.59 67.60 66.97 71.04 69.34
2007 2008 2009 2010 2011
91 96 99 98 100
2007 2008 2009 2010 2011
Population [m]
GDP [EUR, bn]
GDP per capita [EUR]
POS card transaction volume [EUR, bn]
Mobile phones [m]
Internet penetration [%]
Annual POS card transactions per person Number of transactions
© payworks GmbH 2012
Europe at the POS – Card transactions in the EU-27
Average ticket size of POS card transactions in EUR
22
cards per person
average ticket size
card transactions per person per year
Malta
0.4
6.4
15,344
0.7
0.5
57.5
Ø EU-27
Ø EU-27
Ø EU-27
55.20 57.62 58.38 57.75
71.32
2007 2008 2009 2010 2011
20 23 24 27 29
2007 2008 2009 2010 2011
2.08
71.32 EUR
30
Population [m]
GDP [EUR, bn]
GDP per capita [EUR]
POS card transaction volume [EUR, bn]
Mobile phones [m]
Internet penetration [%]
Annual POS card transactions per person Number of transactions
© payworks GmbH 2012
Europe at the POS – Card transactions in the EU-27
Average ticket size of POS card transactions in EUR
23
cards per person
average ticket size
card transactions per person per year
The Netherlands
16.7
602.0
36,066
87.0
19.3
89.1
Ø EU-27
Ø EU-27
Ø EU-27
45.04 44.05 40.32 38.92 37.42
2007 2008 2009 2010 2011
120 132
145 159 168
2007 2008 2009 2010 2011
2.20
37.42 EUR
168
Population [m]
GDP [EUR, bn]
GDP per capita [EUR]
POS card transaction volume [EUR, bn]
Mobile phones [m]
Internet penetration [%]
Annual POS card transactions per person Number of transactions
© payworks GmbH 2012
Europe at the POS – Card transactions in the EU-27
Average ticket size of POS card transactions in EUR
24
cards per person
average ticket size
card transactions per person per year
Poland
38.2
370.0
9,691
23.8
46.0
58.8
Ø EU-27
Ø EU-27
Ø EU-27
30.11 32.06 24.42 25.52 23.91
2007 2008 2009 2010 2011
14 17 21 25 31
2007 2008 2009 2010 2011
0.98
23.91 EUR
31
Population [m]
GDP [EUR, bn]
GDP per capita [EUR]
POS card transaction volume [EUR, bn]
Mobile phones [m]
Internet penetration [%]
Annual POS card transactions per person Number of transactions
© payworks GmbH 2012
Europe at the POS – Card transactions in the EU-27
Average ticket size of POS card transactions in EUR
25
cards per person
average ticket size
card transactions per person per year
Portugal
10.7
170.9
16,048
54.9
15.2
48.5
Ø EU-27
Ø EU-27
Ø EU-27
37.51 38.80 39.49 45.43 44.72
2007 2008 2009 2010 2011
106 112 119 130 137
2007 2008 2009 2010 2011
2.25
44.72 EUR
137
Population [m]
GDP [EUR, bn]
GDP per capita [EUR]
POS card transaction volume [EUR, bn]
Mobile phones [m]
Internet penetration [%]
Annual POS card transactions per person Number of transactions
© payworks GmbH 2012
Europe at the POS – Card transactions in the EU-27
Average ticket size of POS card transactions in EUR
26
cards per person
average ticket size
card transactions per person per year
Romania
21.3
136.5
6,393
3.5
24.6
36.5
Ø EU-27
Ø EU-27
Ø EU-27
44.25 42.72 33.98 31.67 31.42
2007 2008 2009 2010 2011
2 3 4 5 6
2007 2008 2009 2010 2011
0.73
31.42 EUR
6
Population [m]
GDP [EUR, bn]
GDP per capita [EUR]
POS card transaction volume [EUR, bn]
Mobile phones [m]
Internet penetration [%]
Annual POS card transactions per person Number of transactions
© payworks GmbH 2012
Europe at the POS – Card transactions in the EU-27
Average ticket size of POS card transactions in EUR
27
cards per person
average ticket size
card transactions per person per year
Slovakia
5.4
69.1
12,692
3.5
5.9
74.7
Ø EU-27
Ø EU-27
Ø EU-27
9 11 14 18 22
2007 2008 2009 2010 2011
46.79 42.54
37.60 35.51 33.61
2007 2008 2009 2010 2011
1.16
33.61 EUR
22
Population [m]
GDP [EUR, bn]
GDP per capita [EUR]
POS card transaction volume [EUR, bn]
Mobile phones [m]
Internet penetration [%]
Annual POS card transactions per person Number of transactions
© payworks GmbH 2012
Europe at the POS – Card transactions in the EU-27
Average ticket size of POS card transactions in EUR
28
cards per person
average ticket size
card transactions per person per year
Slovenia
2.1
35.6
17,361
4.1
2.1
63.2
1.85
35.83 EUR
64
Ø EU-27
Ø EU-27
Ø EU-27
33.29 36.11 35.43 35.86 35.83
2007 2008 2009 2010 2011
57 59 60 62 64
2007 2008 2009 2010 2011
Population [m]
GDP [EUR, bn]
GDP per capita [EUR]
POS card transaction volume [EUR, bn]
Mobile phones [m]
Internet penetration [%]
Annual POS card transactions per person Number of transactions
© payworks GmbH 2012
Europe at the POS – Card transactions in the EU-27
Average ticket size of POS card transactions in EUR
29
cards per person
average ticket size
card transactions per person per year
Spain
46.1
1,063.4
23,054
93.8
51.5
61.0
1.80
43.14 EUR
56
Ø EU-27
48.55 47.02 44.21 43.60 43.14
2007 2008 2009 2010 2011
48 51 51 54 56
2007 2008 2009 2010 2011
Ø EU-27
Ø EU-27
Population [m]
GDP [EUR, bn]
GDP per capita [EUR]
POS card transaction volume [EUR, bn]
Mobile phones [m]
Internet penetration [%]
Annual POS card transactions per person Number of transactions
© payworks GmbH 2012
Europe at the POS – Card transactions in the EU-27
Average ticket size of POS card transactions in EUR
30
cards per person
average ticket size
card transactions per person per year
Sweden
9.4
386.8
40,962
63.2
10.7
88.9
2.54
36.41 EUR
217
Ø EU-27
Ø EU-27
Ø EU-27
42.05 35.72
30.82 33.04 36.41
2007 2008 2009 2010 2011
145
178 195
210 217
2007 2008 2009 2010 2011
Population [m]
GDP [EUR, bn]
GDP per capita [EUR]
POS card transaction volume [EUR, bn]
Mobile phones [m]
Internet penetration [%]
Annual POS card transactions per person Number of transactions
© payworks GmbH 2012
Europe at the POS – Card transactions in the EU-27
Average ticket size of POS card transactions in EUR
31
cards per person
average ticket size
card transactions per person per year
United Kingdom
62.7
1,746.7
27,843
546.1
80.8
82.0
3.18
57.88 EUR
182
Ø EU-27
Ø EU-27
Ø EU-27
75.08
64.81 56.38 59.20 57.88
2007 2008 2009 2010 2011
137 145 154 164 182
2007 2008 2009 2010 2011
Population [m]
GDP [EUR, bn]
GDP per capita [EUR]
POS card transaction volume [EUR, bn]
Mobile phones [m]
Internet penetration [%]
Annual POS card transactions per person Number of transactions
© payworks GmbH 2012
Europe at the POS – Card transactions in the EU-27
Average ticket size of POS card transactions in EUR
32
cards per person
average ticket size
card transactions per person per year
EU-27
502.9
12,648.6
25,151
1,770.8
613.0
66.9
1.86
52.04 EUR
82
Ø EU-27
Ø EU-27
Ø EU-27
59.35 54.60 51.98 53.00 52.04
2007 2008 2009 2010 2011
61 66 71 76 82
2007 2008 2009 2010 2011
Country Population
[m]
GDP
[EUR, bn]
GDP
per capita
[EUR]
POS
Transactions
[EUR, bn]
Mobile
phones
[m]
Internet
penetration
[%]
Cards
per person
Average
ticket size
[EUR]
Transactions
per person
EU-27 502.9 12,648.6 24,428 1,770.8 613.0 66.9 1.86 51.95 70
Austria 8.4 300.7 35,710 16.5 13.0 72.9 1.62 50.21 45
Belgium 11.0 369.8 33,689 55.1 12.5 73.9 2.16 52.52 113
Bulgaria 7.5 38.5 5,159 1.1 10.6 45.5 1.24 45.68 4
Cyprus 0.9 17.8 20,605 2.2 1.0 50.3 1.91 73.45 41
Czech Republic 10.5 154.9 14,693 9.6 14.3 63.4 1.07 38.47 27
Denmark 5.6 239.2 42,958 41.4 6.9 85.3 1.64 43.93 205
Estonia 1.3 16.0 11,918 2.7 1.7 72.5 1.57 14.56 163
Finland 5.4 189.4 35,150 36.1 8.4 81.5 1.73 33.06 241
France 65.2 1996.6 30,634 373.1 64.0 69.4 1.87 48.94 144
Germany 81.8 2592.6 31,703 166.2 105.0 79.6 1.98 61.07 38
Greece 11.3 215.1 19,018 4.9 12.3 44.0 1.51 84.24 6
Hungary 10.0 100.5 10,077 10.3 12.0 61.9 1.05 45.05 27
Ireland 4.5 156.4 34,837 23.6 4.7 67.7 1.86 69.49 96
Italy 60.7 1580.2 26,012 141.8 82.0 48.1 1.59 81.19 33
Latvia 2.1 20.1 9,759 1.5 2.3 73.2 1.31 15.47 54
Lithuania 3.2 30.7 9,529 1.5 4.9 61.0 1.40 15.35 36
Europe at the POS – Card transactions in the EU-27 33
At a glance
© payworks GmbH 2012
Country Population
[m]
GDP
[EUR, bn]
GDP
per capita
[EUR]
POS
Transactions
[EUR, bn]
Mobile
phones
[m]
Internet
penetration
[%]
Cards
per person
Average
ticket size
[EUR]
Transactions
per person
Luxembourg 0.5 42.8 82,651 2.9 0.7 81.9 3.99 69.34 100
Malta 0.4 6.4 15,344 0.7 0.5 57.4 2.08 71.32 29
The Netherlands 16.7 602.0 36,066 87.0 19.3 89.1 2.20 37.42 168
Poland 38.2 370.0 9,692 23.8 46.0 58.8 0.98 23.91 31
Portugal 10.7 170.9 16,048 54.9 15.2 48.5 2.25 44.72 137
Romania 21.3 136.5 6,394 3.5 24.6 36.5 0.73 31.42 6
Slovakia 5.4 69.1 12,692 3.5 5.9 74.7 1.16 33.61 22
Slovenia 2.1 35.6 17,361 4.1 2.1 63.2 1.85 35.83 64
Spain 46.1 1063.4 23,054 93.8 51.5 61.0 1.80 43.14 56
Sweden 9.4 386.8 40,962 63.2 10.7 88.9 2.54 36.41 217
United Kingdom 62.7 1746.7 27,843 546.1 80.8 82.0 3.18 57.88 182
Europe at the POS – Card transactions in the EU-27 34
0.73 Min. cards per person
3.99 Max. cards per person
14.56 Min. average ticket size
84.24 Max. average ticket size
4 Min. card transactions per person per year
241 Max. card transactions per person per year
© payworks GmbH 2012
Europe at the POS – Card transactions in the EU-27 35
© payworks GmbH 2012
Imprint
Publisher
payworks GmbH
Grillparzerstr. 14
81675 Munich
Germany
www.payworksmobile.com
Disclaimer
The information contained herein is general in nature and is not intended, and should not be interpreted as
professional advice or opinion provided. This document does not purport to be a complete statement of the
approaches or steps, which may vary according to individual facts necessary for a business to accomplish any
particular business goal. This document is provided for informational purposes only. It is meant solely to
provide helpful information to the reader - or at the least provide a good deal of entertainment and joy. It shall
not be regarded as recommendation of any particular approach and should not be relied upon to address or
solve any particular matter. The information herein is on an “as-if” basis. payworks GmbH disclaims any and
all warranties of any kind concerning any information provided in this report.
Population [m]
GDP [EUR, bn]
GDP per capita [EUR]
POS card transaction volume [EUR, bn]
Mobile phones [m]
Internet penetration [%]
Annual POS card transactions per person Number of transactions
© payworks GmbH 2012
Europe at the POS – Card transactions in the EU-27
Average ticket size of POS card transactions in EUR
36
cards per person
average ticket size
card transactions per person per year
payworks GmbH Grillparzerstr. 14 81675 München Fon: +49 89 416158 400 Fax: +49 89 416158 401 info@payworksmobile.com www.payworksmobile.com
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