PayLens /Markets

Austria

EUR9.197 MDACH

Payment mix at the point of sale · 2024

Cash 62%

Cards 31%

Cash62%
Cards31%
Wallets4%
Other4%

Cash settles 62% of payments here, the 2-highest of 19 tracked markets.

POS terminals

143,100

2025·+12% year on year

19202122232425

Provided by resident PSPs (ECB)

Key figures

14.55 M

Cards in issue

95%

Contactless

27.6%

E-commerce

€42

Avg. card payment

rank 5 of 22

Accepted methods · 15

Bankomat· domesticeps-Überweisung· domesticVisaMastercardAmerican ExpressUnionPayJCBDiners Club / DiscoverApple PayGoogle PayPayPalSEPA Instant Credit TransferWeroKlarnaUSDC (stablecoin acceptance)

What applies here

Supervisor: FMA (Finanzmarktaufsicht)
Interchange: EU IFR: 0.2% debit / 0.3% credit on consumer cards.
Surcharging: Banned on consumer card payments; Austria applies the PSD2 Art. 62(4) ban and operates a national prohibition on surcharging.

13providers with a tracked share

Who, and at what share

Headquartered here · 6

card complete Erste Group

Erste Group

hobex

IXOPAYPSA Payment Services AustriaRaiffeisen Bank International

PayLens Radar

The newsletter on European payments: the week in five minutes. The developments that matter, curated and sourced, every Tuesday in your inbox. Free, no account needed.

Next issue in

––days

––hrs

––min

––sec

Read the latest issue

Sources: data.ecb.europa.eu·ec.europa.eu·eur-lex.europa.eu·ecb.europa.eu

Data as of 28 Sep 2026·Compare all 22 markets