PayLens /Markets

Spain

Spain

EUR48.62 MIberia

Payment mix at the point of sale · 2024

Cash 57.4%
Cards 31.8%
  • Cash57.4%
  • Cards31.8%
  • Wallets6.9%
  • Other3.8%

Cash settles 57.4% of payments here, the 3-highest of 18 tracked markets.

POS terminals

4,709,200
2025·+10.4% year on year
19202122232425

Provided by resident PSPs (ECB)

Key figures

116.842 M
Cards in issue
67.2%
Contactless
22.5%
E-commerce
€32
Avg. card payment
rank 12 of 22

Accepted methods · 15

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

What applies here

Supervisor
Banco de España
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 Spanish national 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