PayLens /Markets

Netherlands

Netherlands

EUR17.99 MBenelux

Payment mix at the point of sale · 2024

Cash 19%
Cards 80%
  • Cash19%
  • Cards80%
  • Other1%

Cash settles 19% of payments here, the 15-highest of 19 tracked markets.

POS terminals

681,800
2025·-3.4% year on year
19202122232425

Provided by resident PSPs (ECB)

Key figures

43.981 M
Cards in issue
94%
Contactless
12.4%
E-commerce
€30
Avg. card payment
rank 13 of 22

Accepted methods · 14

iDEAL· domesticVisaMastercardAmerican ExpressUnionPayJCBDiners Club / DiscoverApple PayGoogle PayPayPalSEPA Instant Credit TransferWeroKlarnaUSDC (stablecoin acceptance)

What applies here

Supervisor
De Nederlandsche Bank (DNB)
Interchange
EU IFR: 0.2% debit / 0.3% credit on consumer cards.
Surcharging
Banned on consumer card payments; the Netherlands applies a full surcharge ban (Art. 7:520 Burgerlijk Wetboek) covering four- and three-party consumer card transactions.
17providers with a tracked share
Who, and at what share

Headquartered here · 12

AdyenBuckarooCCVCM.comEuropean Merchant ServicesINGMewsMollieMultiSafepayPAY.+2

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

Data as of 28 Sep 2026·Compare all 22 markets