Changing payment behaviors, the emergence of new technologies and the need for service station retailers to enhance site efficiency creates opportunities for payment technologies in the channel. Payment Behavior and Technologies in European Service Station Retail outlines the volume of fuel sales by different payment methods and explores which new technologies are suitable for forecourts.Identify investment priorities for new technologies by uncovering the proportion of fuel that is purchased using different types of payment.Target your cards and payment marketing campaigns effectively by understanding how private and commercial motorists pay for their fuel.Identify potential partners for pay at the pump and closed cash handling systems through an introduction to the key equipment manufacturers.Inform your service station payment strategy by accessing an independent assessment of each of the major new payment technologies.Assess the activities of retail competitors by accessing case studies of fuel retailers that have already introduced new payment technology.Across Europe around two thirds of all fuel purchases made at service stations are made by private vehicle owners. Although it is changing, our service station payments model reveals that cash is still the most commonly used type of payment by private motorists, while fuel cards are used to pay for the majority of commercial fuel purchases.The use of different payment methods by private motorists varies across Europe, with credit and debit cards popular in France and cash more popular in Italy. On average each motorist purchases just over 35 liters of fuel per transaction, although this varies between countries depending on journey lengths, pump prices and overall national wealth.Other than pay at the pump, the implementation of new payment technology at service stations has been limited. Only a small number of fuel retailers including Orlen, Lukoil and Carrefour have introduced contactless card readers, while other payment methods such as biometric and NFC mobile phone are a long way off being introduced.How do private and commercial motorists pay for their fuel in Belgium, France, Germany, Italy, the Netherlands Poland, Spain, Sweden and the UK'What is the average volume of fuel purchased by private motorists per transaction and does it differ depending on the type of payment used'What proportion of total service station fuel sales are made using cash, credit card, debit card, fuel card and other methods such as vouchers'What are the respective strengths of pay at the pump, contactless options (card/mobile/fob), biometric payment and cash handling'Have any fuel retailers already introduced contactless technology or closed cash handling and who are they'

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Payment Behavior and Technologies in European Service Station
Retail
Published on February 2011
Report Summary
Changing payment behaviors, the emergence of new technologies and the need for service station retailers to enhance site efficiency
creates opportunities for payment technologies in the channel. Payment Behavior and Technologies in European Service Station
Retail outlines the volume of fuel sales by different payment methods and explores which new technologies are suitable for
forecourts.Identify investment priorities for new technologies by uncovering the proportion of fuel that is purchased using different
types of payment.Target your cards and payment marketing campaigns effectively by understanding how private and commercial
motorists pay for their fuel.Identify potential partners for pay at the pump and closed cash handling systems through an introduction to
the key equipment manufacturers.Inform your service station payment strategy by accessing an independent assessment of each of
the major new payment technologies.Assess the activities of retail competitors by accessing case studies of fuel retailers that have
already introduced new payment technology.Across Europe around two thirds of all fuel purchases made at service stations are made
by private vehicle owners. Although it is changing, our service station payments model reveals that cash is still the most commonly
used type of payment by private motorists, while fuel cards are used to pay for the majority of commercial fuel purchases.The use of
different payment methods by private motorists varies across Europe, with credit and debit cards popular in France and cash more
popular in Italy. On average each motorist purchases just over 35 liters of fuel per transaction, although this varies between countries
depending on journey lengths, pump prices and overall national wealth.Other than pay at the pump, the implementation of new
payment technology at service stations has been limited. Only a small number of fuel retailers including Orlen, Lukoil and Carrefour
have introduced contactless card readers, while other payment methods such as biometric and NFC mobile phone are a long way off
being introduced.How do private and commercial motorists pay for their fuel in Belgium, France, Germany, Italy, the Netherlands
Poland, Spain, Sweden and the UK'What is the average volume of fuel purchased by private motorists per transaction and does it
differ depending on the type of payment used'What proportion of total service station fuel sales are made using cash, credit card,
debit card, fuel card and other methods such as vouchers'What are the respective strengths of pay at the pump, contactless options
(card/mobile/fob), biometric payment and cash handling'Have any fuel retailers already introduced contactless technology or closed
cash handling and who are they'
Table of Content
OVERVIEW
Summary
KEY FINDINGS AND ACTION POINTS
Key findings
Cash is the most popular method of fuel payment for private motorists
Private debit cards account for around one fifth of fuel volume purchases in Europe
Private credit cards are the third most popular payment method among private motorists
Private fuel cards account for a small proportion of fuel purchases
Private motorists using fuel cards and credit cards spend more per transaction than those using cash
Action points
Consider installing pay at the pump facilities if the aim is to improve fuel volume throughput
Consider contactless payment technology once transaction limits have been relaxed
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Link the implementation of new payment technology with a loyalty scheme
Implement closed cash handling at high-throughput service stations
Consider a B2C fuel card due to the high average transaction spend
MOTORIST FUEL PAYMENT BEHAVIOR
Europe
Around two-thirds of fuel purchased in Europe is by private motorists
Motorists are increasingly favoring cards when purchasing fuel at the service station
The average volume of fuel purchased in Europe per transaction is 37 liters
Credit card fuel purchases tend to be larger than debit card transactions
Fuel purchases made using cash tend to be smaller than other payment methods
Cash is heavily used for fuel purchases in Germany, Italy, and Poland
Credit cards are the preferred payment type for French motorists
Germany accounts for the largest volume of debit card fuel purchases in Europe
Personal fuel cards are popular in Sweden but have a limited penetration elsewhere
Checks, vouchers, and other payment types are the least commonly used payment method in Europe
Belgium
The proportion of private fuel purchases in Belgium is below the European average
Debit cards are the most popular payment type for private fuel purchases in Belgium
The average transaction volume in Belgium is higher than the European average
France
Around two thirds of fuel purchased at service stations in France is by private motorists
Credit cards are the most popular payment method for private motorists in France
The average volume purchased per transaction is slightly higher in France than the European average
Germany
The proportion of fuel purchased by private motorists in Germany is above the European average
Cash is the most popular payment method for purchasing fuel in Germany
On average, private German motorists purchase just over 40 liters of fuel each time they fill up
Italy
Italy has the largest proportion of sales represented by private customers
The majority of fuel purchases in Italy are made using cash
The average volume of fuel purchased per transaction in Italy is similar to the European average
The Netherlands
Commercial fuel purchases outweigh private fuel purchases in the Netherlands
Over a third of fuel sold through the service station network in the Netherlands is paid for using commercial fuel cards
Private motorists tend to use debit cards when purchasing fuel in the Netherlands
Private motorists in the Netherlands have a high average fill up
Poland
The proportion of fuel purchased by private motorists in Poland is smaller than the European average
Cash is the preferred means of payment at the pump for private motorists in Poland
Private motorists in Poland have a low average fill up
Spain
Just over half of all fuel in Spain is purchased by private motorists
Credit card is the preferred means of payment at the pump for private motorists in Spain
Sweden
A comparatively small proportion of fuel is purchased by private motorists in Sweden
Sweden has the largest personal fuel card market in Europe
The typical fill up by Swedish motorists is similar to the European average
The UK
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Private motorists account for a high proportion of fuel purchases in the UK
Debit cards are the most popular payment method among private motorists in the UK
The average fill up by motorists in the UK is below the European average
OTHER STRATEGIC MOTIVATIONS
New payment methods will help retailers accommodate for the decline in sites
Network consolidation creates the need to get more cars through each site
The number of customers per service station is on the increase
The growth in unmanned service stations could alter motorists' choice of payment for fuel purchases
INTRODUCING SERVICE STATION PAYMENT TECHNOLOGY OPTIONS
Pay at the pump is increasingly popular among fuel retailers across Europe
Fuel retailers can opt for pay at the pump technology at a payment island, or on each fuel dispenser
Increased speed when refueling is the primary benefit for retailers and motorists alike
Concerns that pay at the pump would impact shop sales seem to have evaporated
Contactless card payments are the next area of innovation for payment at the pumps
Contactless card payment is increasingly popular within general European retail
Consumers benefit from the speed and convenience of contactless card transactions
Current contactless card issuer transaction limits pose a problem for fuel retail
It is likely that contactless technology will eventually be adopted at the pump
Contactless mobile phone payments have the greatest potential, but fire safety is a problem
Contactless mobile phone payments have yet to be extensively rolled out in Europe
The potential for contactless mobile phone payments is greater than contactless cards
The fire risk of mobile phone payments remains an issue for fuel retailers
Contactless fob payments are popular in the US but are yet to catch on in Europe
Fob payments are similar to contactless cards and are used by some fuel retailers in the US
Anonymity gives fob payments an additional security measure over contactless card technology
Biometric payments are a long way from being fully implemented by European fuel retailers
Biometric payments have been trialed by some general European retailers
Consumers are skeptical of biometric payments, and there are problems with the technology
Biometric payments are unlikely to become a standard feature at service stations any time soon
Closed cash handling technology can cut retailers' costs
Systems that reduce the costs associated with cash are increasingly commonplace throughout Europe
Closed cash handling technology can reduce the overheads of handling cash
Closed cash handling systems can reduce cash shrinkage
There are substantial benefits to fuel retailers of employing cash handling technology at service stations
The initial costs of closed cash handling technology means that it is more suited to busy service stations
PAYMENT TECHNOLOGY AT THE SERVICE STATION ' STRATEGY IN FOCUS
Each of the four major pump manufacturers offer a similar payment product range
Pay at the pump can come fitted to new pumps or be installed to older fuel dispensers
Gilbarco offers a double-sided standalone payment terminal
Contactless payment is offered by each of the major fuel dispensers, but uptake has been limited
Orlen, Carrefour, and Lukoil have introduced contactless card terminals
Orlen has rolled out contactless card terminals across its network of Star service stations in Germany
Carrefour plans to introduce contactless POS terminals at all of its service stations in France
Exxon Mobil and Shell have introduced key fobs at service stations in North America
Exxon Mobil issues its own Speedpass key fob, which is accepted at sites in the US and Canada
Shell's easyPAY key fob is accepted at 600 service stations in Canada
Opet's Otobilim key fob is accepted at a number of its branded service stations in Turkey
Galp has ceased its biometric payments scheme
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Galp first introduced biometric payments in 2003 and rolled them out to 200 service stations
Motorists can pay at service stations in Slovenia using their mobile phone
The mobile phone payment technology implemented at Petrol Slovenia sites is not contactless
Shell and Statoil have implemented closed cash handling
Wincor Nixdorf and Shell have rolled out closed cash handling at 1,300 service stations in Germany
CashGuard has implemented closed cash handling at Statoil and Shell sites in Scandinavia
APPENDIX
Definitions and clarifications
Public service stations
Commercial motorist
Private motorist
Commercial fuel card
Commercial debit and credit cards
Private fuel card
General payments market
Methodology
Primary research
Existing Datamonitor products
Secondary research
Further reading
Datamonitor Service Station Retail
Datamonitor Financial Services
Ask the analyst
Datamonitor consulting
Disclaimer
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