France 2025
Market Overview Payment Organisations Groupement des Cartes Bancaires, the interbank organisation. STET, the interbank CSM processor, absorbed SERS2 in 2015. Domestic Payment Brand “CB” is the domestic card scheme of the French banks. French private cards issued by French consumer finance banks. Lyf Pay, a domestic A2A payment service for online shopping. Market Structure Most […]
Finland 2025
Market Overview Payment Organisations Automatia (ATM network); Finnish Bankers Association. Finance Finland (FFI). Domestic Payment Brand No domestic card brand. Market Structure Sophisticated market with a high level of card use. However, numbers of ATMs and cash withdrawals continued to decline. Cards with combined debit/credit functions for domestic and international use respectively. As at end-2023, […]
Estonia 2025
Market Overview Payment Organisation None (Pankade Kaardikeskus (PKK) became NETS Estonia). Domestic Payment Brands No domestic payment brands. Market Structure Estonia is the most developed digital market in the Baltic region. Mastercard cards replaced most of the VISA cards. There were 1.47 cards per capita in 2023 and 335.6 card payments per capita, of which […]
Denmark 2025
Market Overview Payment Organisation BOKIS, interbank organisation of the small Danish banks. MobilePay Denmark, operator of the mobile payment service, MobilePay. Domestic Payment Brands Dankort debit cards; co-badged VISA for international use. MobilePay is the mobile A2A payment service in Denmark. Market Structure Card use, already among the highest in Europe, hit 440.0 card payments […]
Czechia 2025
Market Overview Payment Organisation SBK Czech Bank Card Association (SBK/BCA). Domestic Payment Brands No domestic payment brands. Market Structure Continued growth of card use. By end-2023, there were 14.91 million cards with 237.9 card payments per capita. Cards issued are credit cards, debit cards, and prepaid cards. 91.00% of cards are debit cards that […]
Cyprus 2025
Market Overview Payment Organisation JCC Payment Systems; JCC is owned by five major banks. Domestic Payment Brands No domestic payment brands. Market Structure JCC is the central body in the Cypriot card business market, managing the domestic POS/ATM networks and most acquirer transactions. The credit card sector has been relatively mature for some years, but […]
Croatia 2025
Market Overview Payment Organization EGCP, formerly the Croatian interbank processor MBU, is the shared group card processor of Erste Group (A). Domestic Payment Brands MBCARD debit cards. Market Structure Croatia was a showcase market for American Express through its agreement with PBZ, which had issued over 500,000 American Express cards until 2019. Erste Bank acquired […]
Bulgaria 2025
Market Overview Payment Organisation BORICA is the Bulgarian interbank organisation and card authorisation centre. Domestic Card Brands BORICA was the domestic debit card; many cards are co-badged Maestro. BORICA cards have been replaced by Bcard cards. Bcard is the new domestic card brand launched in 2017. Bcard cards are typically debit cards, credit cards or […]
Austria 2025
Market Overview Payment Organisations Payment Services Austria (PSA) STUZZA develops methods and standards for payment services. In 2021, PSA, STUZZA and Austrian OeNB‘s Clearinghouse merged to build the new shared-services-platform and interbank organisation for cashless bank payment services. Domestic Payment Brands No domestic card brands. eps, the domestic A2A payment service for online shopping. Market […]
Eurasian Payments Report (Overview) 2025
Introduction About the Yearbook This edition of the Eurasian Payment Cards Yearbook 2024-25 is the sixteenth in this series since the publishers decided to split Russia and the Commonwealth of Independent States (CIS) away from the European Payment Cards Yearbook, which formerly included Russia and Ukraine. The 10 Eurasian countries reviewed in this Yearbook are […]