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Payment methods in Germany

Here are the top takeaways you need to know about the German e-commerce market:

Germany is Europe’s second largest e-commerce market. It is worth a massive US$145 billion a year — and that will rise to US$197 billion by 2027.
The average German consumer spends US$1,806 online every year. By 2027, that will rise to US$2,442.
Germany is a fragmented country when it comes to payment methods, some of the most popular being Girocard, PayPal, and Sepa Direct Debit.
In the last three years, the percentage of online shoppers who bought things from merchants outside of Germany rose from 37% to 43%.
Germans make 42% of all their online purchases using mobile devices. To ensure the best possible conversion rate, your payment options must be optimized for mobile.

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Population

Online Population

B2C E-commerce

Banked Population

Credit Card Population

E-commerce of Total Retail

Payment Method Breakdown

Card 17%
Cash 4%
Bank Transfer 30%
E-Wallet 33%
Other 16%

[{"label":"Card","value":"17"},{"label":"Cash","value":"4"},{"label":"Bank Transfer","value":"30"},{"label":"E-Wallet","value":"33"},{"label":"Other","value":"16"}]

Payment Methods in Germany

Trustly Bank transfer Consumer countries:

Wero Digital wallet Consumer countries:

Paysafecard Cash based Consumer countries:

FLOA Pay BNPL Consumer countries:

Scalapay BNPL Consumer countries:

Card Scheme Breakdown

Visa 15%
Mastercard 12%
American Express 2%
Local schemes 72%
Other 0%

[{"label":"Visa","value":"15"},{"label":"Mastercard","value":"12"},{"label":"American Express","value":"2"},{"label":"Local schemes","value":"72"},{"label":"Other","value":"0"}]

Cross-Border E-Commerce

Online shoppers who have shopped cross-border

Cross-border proportion of total e-commerce

26.8 bn $US

Value of cross-border e-commerce

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Top cross-border shopping origin markets