Slovenia 2025
Market Overview Payment Organizations Bankart is the processor of BA cards and Karanta cards. Activa is processor of the Activa card scheme. Domestic Card Brands Activa cards are co-badged Maestro, Mastercard, VISA or Electron; BA Maestro cards; Karanta cards co-badged Mastercard; there are also domestic-only cards with one of the three domestic brands. Market Structure […]
Slovakia 2025
Market Overview Payment Organisation ZBK, the Slovak Bank Card Association. Domestic Payment Brands No domestic payment brands. Market Structure Like other CEE markets, continued rapid growth of card use in Slovakia. By end-2023, the number of cards had reached 6.31 million and there are now 180.2 payments on cards per capita. Cards issued are credit […]
Serbia 2025
Market Overview Payment Organisations National Payment Card Centre DinaCard Domestic Payment Brands DinaCard debit, credit, and prepaid cards. They can be co-badged Discover, Pulse, or UnionPay for international use Market Structure Exceptionally for an emerging market, there are more POS payments than ATM withdrawals in Serbia, reflecting the advanced nature of the card business in […]
Romania 2025
Market Overview Payment Organisations TransFonD (Societatea Nationala de Transfer de Fonduri si Decontari) is the interbank processor of the Romanian electronic payment system. Domestic Payment Brands No domestic card brands. Market Structure Cash remains the predominant payment instrument; credit transfers and cheques are used alongside debit cards, which were first issued in 1997. Debit cards […]
Portugal 2025
Market Overview Payment Organizations SIBS – interbank organisation, manages the Multibanco networks Unicre – interbank organisation, main acquirer, Unibanco issuer. Domestic Payment Brands Multibanco (MB) cards, co-badged Maestro, Electron, Mastercard or VISA. MB cards can have debit and/or delayed debit function and a credit and/or delayed debit function on a single card. MB Way wallet, […]
Poland 2025
Market Overview Payment Organisation Polski Standard Platnosci, the BLIK operator. Domestic Payment Brands No domestic card brand. BLIK, the digital A2A payment service of Polish banks. Market Structure The number of debit cards has grown slowly in recent years, while credit cards reached a peak of 33% of the cards total by end-2009, falling to […]
Norway 2025
Market Overview Payment Organisation VBB AS, interbank organisation that merged Vipps, BankAxept, and BankID. In 2022, BankID and BankAxept demerged from Vipps. Domestic Payment Brands BankAxept debit cards; mostly co-badged VISA or Electron. BankAxess is the domestic online bank transfer service for payments of purchases in online shops. Vipps, the digital A2A payment app for […]
Netherlands 2025
Market Overview Payment Organisations Currence managed domestic payment products until end-2014 Betaalvereniging Nederland (Dutch Payments Association) Domestic Payment Brands iDEAL, the digital A2A payment service of the Dutch banks. Payconiq, the digital A2A payment app of leading Dutch banks. Market Structure Debit cards, with 5.70 billion payments in 2023, dominate the market. All Dutch retail […]
Malta 2025
Market Overview Payment Organisation At present, there is no interbank organisation. Domestic Card Brands One Maltese closed-loop mono-bank ATM/debit card brand: Cashlink. Market Structure Replacement of mono-bank cards in favour of international schemes VISA and Mastercard. Maltese banks have arranged authorisation, clearing and settlement services directly with VISA and Mastercard. Cheque payments, which began to […]
Luxembourg 2025
Market Overview Payment Organisation Worldline SIX Payment Services S.A. Domestic Payment Brands No domestic payment brands. Market Structure The banks in Luxembourg opted for V PAY as debit card brand. Worldline manages the Bancomat POS and ATM infrastructure, acts as acquirer, and offers card processing and issuer services to issuers in Luxembourg and in Europe. […]