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PUBLISH YEAR: 2025

European Payments Report (Overview) 2025

European girl using mobile phone at home

Introduction About the Yearbook This edition of the European Digital and Card Payment Yearbook contains 33 profiles, covering the countries which make up the European Economic Area (EEA) – the 27 Member States of the European Union (EU27) and the UK together with Iceland, Norway, and Switzerland – plus Serbia and Turkey.  Like previous editions, […]

United Kingdom 2025

Market Overview Payment Organisations Payment System Regulator (PSR), since April 2015.  Pay.UK, the new payment system operator, since 2017.  UK Finance, the new UK banking industry association, since 2017.  LINK operates the LINK ATM network scheme in the UK.  VocaLink, owned by Mastercard since 2017, processes the UK’s Faster Payments system, settlements, and the direct […]

Turkey 2025

Market Overview Payment Organisation BKM is the interbank authorisation and switching centre. Domestic Payment Brands TROY cards co-badged Discover for international use.  Market Structure In 2016, Turkey’s first domestic card scheme, TROY, went live.  There were 397.23 million cards by end-2023. Debit cards, accounting for 47.71% of cards in circulation, are mainly used for ATM […]

Switzerland 2025

Market Overview Payment Organisations SIX Group, the Swiss interbank organisation.  Aduno Group – interbank organisation of the Swiss regional banks Domestic Payment Brands PostFinance debit cards, CardDirect, some co-badged PLUS.  TWINT, the digital A2A payment app of the Swiss banks.  Market Structure Swiss banks mainly issue Maestro debit cards, PostFinance, the banking arm of Swiss […]

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