PayLens /Markets

Portugal

Portugal

EUR10.64 MIberia

Payment mix at the point of sale · 2024

Cash 54.1%
Cards 38.3%
  • Cash54.1%
  • Cards38.3%
  • Wallets4.3%
  • Other3.3%

Cash settles 54.1% of payments here, the 5-highest of 18 tracked markets.

POS terminals

431,300
2025·+8.2% year on year
19202122232425

Provided by resident PSPs (ECB)

Key figures

26.741 M
Cards in issue
56.7%
Contactless
20.4%
E-commerce
€53
Avg. card payment
rank 3 of 22

Accepted methods · 16

Multibanco· domesticMB WAY· domesticVisaMastercardAmerican ExpressUnionPayJCBDiners Club / DiscoverApple PayGoogle PayPayPalSEPA Instant Credit TransferWeroKlarnaUSDC (stablecoin acceptance)Samsung Pay

What applies here

Supervisor
Banco de Portugal
Interchange
EU IFR: 0.2% debit / 0.3% credit on consumer cards.
Surcharging
Banned on consumer cards covered by the IFR (PSD2 Art. 62(4), transposed in Portuguese payment-services law).
17providers with a tracked share
Who, and at what share

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

Data as of 12 Aug 2026·Compare all 22 markets