Country yearbook · 2026
Europe 2026
A complete year-end snapshot of the Europe payments market — banks, card schemes, acquirers, regulatory framework, and market infrastructure.
At a glance
46
Sections
71
Data tables
0
Charts
2026
Edition
What's inside
01
Introduction
02
1. Transition of Card Brands
03
3. Advanced Contactless Form Factors
04
2.1 About the Card Payment Ecosystem in Europe
05
2.2 Card Payment Services in Europe
06
E-money Purchases with Prepaid Products
07
2.3 Card Payment Service Providers
08
2.4 International Card Schemes in Europe
09
2.5 Domestic Card Scheme Transformation
10
2.6 Interchange Arrangements in Europe
11
2.7 Digitalisation of Card Payments
12
2.8 About Card Fraud in Europe
13
2.9 Card Payment Service Trends
14
Digital Banking Payments in-store
15
2.10 Outlook – Digital Card Payment Platforms
16
2.11 Addendum – M&A Activity among Payment Processors
17
2.12 Addendum – Transformation of former Interbank Organisations
18
2.13 Bank Service Providers in CEE and the Baltic States
19
3.1 About Open Banking in Europe
20
3.2 The Open Banking Payment Ecosystem
21
3.3 Cardless Digital Payment Services in Europe
22
3.4 Cardless Payment Service Providers
23
3.5 Payment Initiation Service Workflow
24
3.6 Account Information Service Workflow
25
3.7 About Digital Payment Fraud in Europe
26
3.8 Open Banking Payment Service Trends
27
3.9 About Open Banking APIs
28
3.10 Outlook – Digital Payment Transformation
29
3.11 Outlook – Open Banking payment infrastructure
30
4.1 Regional Card Summary
31
4.2 Debit Cards
32
4.3 Credit Cards
33
4.4 Total Cards
34
4.5 Card Payments Per Capita
35
4.6 Card Payments in Context of Cashless Payments
36
4.7 Leading Card Issuers in Europe
37
4.8 Background – Cards and EMV Migration
38
4.9 Card Fraud in Europe
39
5.1 EFTPOS Terminals Analysis
40
5.2 ATM Analysis
41
5.3 ATM Terminal Networks
42
5.4 Largest Card Acquirers in Europe
43
6.1 European Banks and Digital Banking Trends
44
6.2 European Banks and Digital Card Business
45
6.3 Western Europe
46
6.4 Central and Eastern Europe
Sample
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.