PayLens /Markets

Germany

Germany

EUR83.6 MDACH

Payment mix at the point of sale · 2023

Cash 51%
Cards 27%
  • Cash51%
  • Cards27%
  • Wallets6%
  • Account to account10%
  • Other3%

Cash settles 51% of payments here, the 7-highest of 18 tracked markets.

POS terminals

1,670,000
2025·+11.6% year on year
19202122232425

Provided by resident PSPs (ECB)

Key figures

217.84 M
Cards in issue
87%
Contactless
6.7%
E-commerce
€42
Avg. card payment
rank 7 of 22

Accepted methods · 17

Girocard· domesticVisaMastercardAmerican ExpressUnionPayJCBDiners Club / DiscoverApple PayGoogle PaySamsung PayPayPalSEPA Instant Credit TransferWerogiropayKlarnaScalapayUSDC (stablecoin acceptance)

What applies here

Supervisor
BaFin
Interchange
EU IFR: 0.2% debit / 0.3% credit on consumer cards.
Surcharging
Banned on consumer cards covered by the IFR, plus SEPA transfers and direct debits, under §270a BGB (transposing PSD2 Art. 62(4)).
16providers with a tracked share
Who, and at what share

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Sources: data-api.ecb.europa.eu·data.ecb.europa.eu·stripe.com·bundesbank.de·destatis.de·gesetze-im-internet.de

Data as of 12 Aug 2026·Compare all 22 markets