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2. © Copyright 2015 ystats.com GmbH & Co. KG, 22765 Hamburg, Germany 2

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METHODOLOGY (1 OF 2)
 The reports are compiled based on secondary market research. Secondary research is information gathered from previously published sources. Our reports are
solely based on information and data acquired from national and international statistical offices, industry and trade associations, business reports, business and
company databases, journals, company registries, news portals and many other reliable sources. By using various sources we ensure maximum objectivity for
all obtained data. As a result, companies gain a precise and unbiased impression of the market situation.
 Cross referencing of data is conducted in order to ensure validity and reliability.
 The source of information and its release date are provided on every chart. It is possible that the information contained in one chart is derived from several
sources. If this is the case, all sources are mentioned on the chart.
 The reports take into account a broad definition of B2C E-Commerce, which might include mobile commerce. As definitions may vary among sources, exact
definition used by the source (if available) is included at the bottom of the chart.
 Our reports include text charts, pie charts, bar charts, rankings, line graphs and tables. Every chart contains an Action Title, which summarizes the main
idea/finding of the chart and a Subtitle, which provides necessary information about the country, the topic, units or measures of currency, and the applicable time
period(s) to which the data refers. With respect to rankings, it is possible that the summation of all categories amounts to more than 100%. In this case, multiple
answers were possible, which is noted at the bottom of the chart.
 Reports are comprised of the following elements, in the following order: Cover page, preface, legal notice, methodology, definitions, table of contents,
management summary (summarizing main information contained in each section of report) and report content (divided into sections and chapters). When
available, we also include forecasts in our report content. These forecasts are not our own; they are published by reliable sources. Within Global and Regional
reports, we include all major developed and emerging markets, ranked in order of importance by using evaluative criteria such as sales figures.
 If available, additional information about the data collection, for example the time of survey and number of people surveyed, is provided in the form of a note. In
some cases, the note (also) contains additional information needed to fully understand the contents of the respective data.
 When providing information about amounts of money, local currencies are most often used. When referencing currency values in the Action Title, the EUR
values are also provided in brackets. The conversions are always made using the average currency exchange rate for the respective time period. Should the
currency figure be in the future, the average exchange rate of the past 12 months is used.
 The reports include mainly data from the last 12 months prior to the date of report publication. Exact publication dates are mentioned in every chart.

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METHODOLOGY (2 OF 2)
 This report covers the online payment market. It takes into account a wide definition of online payment, including payment methods used in online shopping and
mobile payment, such as remote and proximity payments.
 All major countries in the region are covered, while data availability varied across the markets.
 Countries are grouped by advanced and emerging B2C E-Commerce markets. Within each group, the countries are presented in the descending order of B2C
E-Commerce sales. Besides country and regional data, information about global developments is also included.
 Depending on data availability, the following types of market information are included: the most used payment methods among online shoppers, payment
methods most offered by online merchants, mobile payment usage, information about online and mobile payment users, such as security perceptions, number
and value of online/mobile payment transactions. Not all the mentioned types of information are available for each of the covered countries. For the two leading
countries in the region, also online and mobile payment trends and news about major players, such as payment providers, banks and retailers are presented.
 The report includes data mostly published within the first six months of 2016. The exact date of publication of the source is stated on each chart. The time period
which the data refers to differs by source.

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DEFINITIONS
 ONLINE PAYMENT
Transfer of money made over the Internet following a consumer’s payment command, includes payments for product
and service purchased in (B2C) E-Commerce and M-Commerce.
 MOBILE PAYMENT
A wide definition of mobile payments includes remote payments made in M-Commerce and proximity payments made
in-store, such as via QR code scanning and NFC technology.
 MOBILE PROXIMITY PAYMENT
A mobile payment where the merchant and the consumer are present in the same location and the interaction between
the consumer’s device (card, mobile device) and the POS is conducted using a proximity technology (e.g. NFC).
 NFC
Near Field Communication, a set of standards for smartphones and similar devices to create radio communication by
bringing them close together or having them touch each other. In that way, contactless data exchange and transactions
can take place.
 ALTERNATIVE PAYMENTS
Generally refers to payment methods other than credit card or bank card payments. Widely defined, alternative online
payment methods include bank transfers and direct debit, digital wallets, pre-paid cards and private label cards, invoice,
and digital currency. May also include cash on delivery and card schemes by local companies other than global card
brands.
 DIGITAL WALLET
Also known as E-Wallet. A prepaid digital account, allowing users to store money and use it in online or mobile
transactions.
 E-MONEY Short for electronic money. Money which is exchanged electronically using digitally stored values.
 INSTANT PAYMENTS
Electronic payment solutions for retail which are available 24/7/365 and thus result in immediate or close-to-immediate
interbank clearing of transactions and crediting of the payees’ accounts and confirm the payment to the payer after
payment initiation.
 B2C E-COMMERCE The sale of products (and services) through electronic transactions via the Internet from businesses to consumers.
 M-COMMERCE
M-Commerce, also called “Mobile Commerce”, means the sale of products (and services) through transactions via
mobile devices.
 ONLINE SHOPPING
Purchase of products or services by consumers via the Internet. Broadly defined, may include business to consumer
and consumer to consumer transactions.
The following expressions and definitions are used in this B2C E-Commerce market report*:
Note: *the definitions used by the original sources might differ from the ones stated on this chart; the exact definition used by each source, where available, is included on the respective
charts

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TABLE OF CONTENTS (1 OF 7)
1. Management Summary
2. Global Developments
• Payment Methods Used in Online Shopping, in % of Online Shoppers, October 2015
• Payment Methods Used in Online Shopping, by Regions, in % of Online Shoppers, October 2015
• Value of Online Payment Fraud, in USD billion, 2015 & 2020f
• Breakdown of Online Payment Fraud by Segments, in % and in USD billion, 2020f
• Breakdown of Innovations that are Expected to Have the Largest Impact on Payment Fraud Prevention in the Next 3-5 Years, in %,
October 2015
• Breakdown of the Means of Security Protection for Consumers Making Mobile Payment that are Expected to Become Dominant by 2030,
in %, October 2015
• Mobile Payment Usage In-Store and Online, in % of Respondents, by Generation, 2015
• Perception of Security of Mobile Payments, in % of Respondents, by Generations, 2015
• Top 10 Merchant Acquirers, by Volume, in USD billion, 2015
3. Europe
3.1. Europe Regional
• Regulatory Trends in Online Payments, H1 2016
• Share of Internet Users Who Believe that Digital Currencies Are the Future of Spending Online, in %, by Selected European Countries,
Australia, and the USA, April 2016
• Share of Online Shoppers Who Are More Inclined to Shop More Often from a Store Which Saves Their Payment Details for One-Click
Ordering, by Mobile Shoppers and Non-Mobile Shoppers, by Selected European Countries, the USA and Australia, April 2016
• Share of Internet Users Who Would Feel Confident that Their Money Is Secure If They Used Contactless Payments, April 2016
• Top Locations Where Consumers Would Want to Use Biometric Authentication for Payments, in % of Respondents, May 2016

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TABLE OF CONTENTS (2 OF 7)
3. Europe (Cont.)
3.2. Advanced Markets
3.2.1. UK
• Online and Mobile Payment Trends and News about Players, H1 2016
• Top 3 Payment Methods Used in Online Shopping, in % of Online Shoppers, October 2015
• Breakdown of Card Spending by Chip & Pin, Contactless, Online, Mail and Telephone Order, in %, 2015
• Online Card Payment Statistics, incl. Online Card Spending, in GBP billion, Share of Total Card Spending, in %, and Average Online
Transaction Value, in GBP, 2014 & 2015
• Share of Online Card Purchases Made on Smartphones and Tablets, in %, 2014 & 2015
• Average Card Payment Transaction Value by Channel, incl. “Online” and “Contactless”, in GBP, 2015
• Breakdown of Security Concerns When Paying by Entering Credit/Debit Card Details Online, in % of Internet Users, 2013 - 2015
• Breakdown of Frequency of Using a Mobile Phone for Transactional Activities, incl. “Making Payments in a Shop”, in % of Mobile Users,
2015
• Breakdown of Attitude Towards Security of Mobile Payments, in % of Mobile Users, by Age Group, Gender and Total, 2015
• Services that Adults Would be Most Comfortable Using Biometric Identification for, incl. “Authorizing Payments”, in %, September 2015
• Contactless Payment Statistic, incl. Number of Contactless Cards Issued, by Debit, Credit and Total, in millions, Monthly Spending on
Contactless Cards, in GBP million, Number of Monthly Contactless Transactions, in millions, and Average Value of Contactless
Transactions, in GBP, by Debit, Credit/Charge Cards and Total, Number of Accepting Terminals/Outlets, May 2015 & May 2016
• Breakdown of Awareness and Usage of Peer-to-Peer Payments via Mobile or Online Applications, in % of Adult Credit/Debit Card Owners,
March 2016
3.2.2. Germany
• Online and Mobile Payment Trends and News about Players, August 2016
• Breakdown of Online and Mail Order Sales, by Payment Methods, in % and in EUR million, 2014 & 2015
• Breakdown of Payment Methods Most Used in Online and Mail Order, in % of Shoppers, January 2013 – January 2016
• Breakdown of Payment Methods Preferred in Online Shopping, in % of Online Shoppers, 2014 & 2015
• Payment Methods Most Used in Online Shopping, in % of Online Shoppers, 2015

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TABLE OF CONTENTS (3 OF 7)
3. Europe (Cont.)
3.2. Advanced Markets (Cont.)
3.2.2. Germany (Cont.)
• Most Important Criteria When Choosing a Payment Method to Purchase Online, in % of Online Shoppers, 2015
• Most Known Digital Payment Systems, in % of Internet Users, May 2015
• Payment Methods Used in Mobile Shopping, in % of Mobile Shoppers, May 2015
• Usage of and Interest in Mobile Payments In-Store and Payments Based on Biometric Identification In-Store, in % of Consumers, and in %
of Retailers, May 2016
• Share of Smartphone Users Who Used NFC Payment or Could Imagine Using It in the Future, in %, April 2016
• Reasons for Not Using NFC Payments, in % of Smartphone Users Who Have Not Used NFC Payments, April 2016
3.2.3. France
• Payment Methods Most Used in B2C E-Commerce, in % of Online Shoppers, June 2015 & June 2016
• Value of Online Payment Transactions with Bank Cards, in EUR billion, 2014 & 2015
• Average Value of Online Payment Transactions with Bank Cards, in EUR, 2014 & 2015
• Awareness of Contactless Payments, and Usage of Contactless Mobile Payments, by Monthly Payment with NFC Card and with NFC-
Enabled Smartphone, in % of Internet Users, 2014 & 2015
• Number of Cards with Contactless Payment Functionality, in millions, May 2015 & May 2016
• Number of Retail Stores with Contactless Payment Terminals, in thousands, May 2015 & May 2016
• Number of Payment Transactions with Contactless Payment Cards, in millions, May 2015 & May 2016
3.2.4. Spain
• Payment Methods Used in Online Shopping, in % of Online Shoppers, 2014 & 2015
• Payment Methods Used in Mobile Shopping, in % of Mobile Shoppers, 2014 & 2015
• Breakdown of Aspects Most Important for Payment Methods in Online Shopping, in % of Online Shoppers, 2015
• Payment-Related Problems that Led to Cancellation of Online Purchase, in % of Online Shoppers, 2014 & 2015
• In-Store Mobile Payments Used, by Type, in % of Digital Shoppers, February 2016

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TABLE OF CONTENTS (4 OF 7)
3. Europe (Cont.)
3.2. Advanced Markets (Cont.)
3.2.5. Italy
• Breakdown of B2C E-Commerce Sales, by Payment Methods, in %, 2012 - 2016f
• Breakdown of Online Purchases by Payment Methods, Q1 2016
• Average Online Purchase Value, by Payment Method, in EUR, Q1 2016
• Breakdown of Electronic Retail Payments, by Card Payments In-Store and Digital Payments, incl. Online and Mobile, 2013 - 2015
• Contactless Payment Statistics, incl. Number of Contactless Cards in Circulation, in millions, Number of Active Contactless Cards, in
millions, Value of Contactless Transactions, in EUR billion, Number of Contactless Transactions, in millions, Number of Contactless POS,
in thousands, 2012 - 2015
3.2.6. Netherlands
• Breakdown of Online Purchases by Payment Methods, in %, 2014 & 2015
3.2.7. Belgium
• Breakdown of Online Purchases by Payment Methods, in %, Q1 2015 & Q1 2016
• Reasons for Not Shopping Online, incl. Payment-Related, in % of Individuals Who Do Not Shop Online, 2015
3.2.8. Sweden
• Breakdown of Preferred Payment Methods in Online Shopping, in % of Online Shoppers, Q4 2014 & Q4 2015
3.2.9. Austria
• Payment Methods Used in Online Shopping, in % of Respondents, 2015

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TABLE OF CONTENTS (5 OF 7)
3. Europe (Cont.)
3.2. Advanced Markets (Cont.)
3.2.10. Switzerland
• Top Two Payment Methods Used in Online Shopping, in % of Online Shoppers, 2014 & 2015
3.2.11. Norway
• Breakdown of Preferred Payment Methods in Online Shopping, in % of Online Shoppers, Q4 2014 & Q4 2015
3.2.12. Finland
• Breakdown of Payment Methods Preferred in Online Shopping, in % of Online Shoppers, Q4 2014 & Q4 2015
3.2.13. Denmark
• Breakdown of Preferred Payment Methods in Online Shopping, in % of Online Shoppers, Q4 2014 & Q4 2015
• Breakdown of Payment Methods Used in Online Shopping, in % of Online Shoppers, and Breakdown of Cards Used in Online Shopping, in
% of Online Shoppers Paying with Cards, 2015
3.3. Emerging Markets
3.3.1. Russia
• Payment Methods Used in Online Shopping, in % of Online Shoppers, 2013 - 2015
• Payment Methods Used in Online Shopping, in % of Online Shoppers, by Gender and Location Type, 2015
• Payment Methods Used in Online Shopping, by Product Category, in % of Online Shoppers, December 2015
• Top 5 E-Money Services Used, in % of E-Money Users, December 2015

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TABLE OF CONTENTS (6 OF 7)
3. Europe (Cont.)
3.3. Emerging Markets (Cont.)
3.3.1. Russia (Cont.)
• Selected Online Payment Solutions Used by E-Commerce Websites Which Accept Online Payment for Goods and Services, in % of E-
Commerce Websites Which Accept Online Payment for Goods and Services, Q4 2015 & Q4 2016
• Selected Online Payment Methods Offered by E-Commerce Websites Which Accept Online Payment for Goods and Services, in % of E-
Commerce Websites Which Accept Online Payment for Goods and Services, Q4 2015 & Q4 2016
• Selected Factors Considered When Evaluating the Quality of an Online Payment Service, in % of Online Merchants, Top 10 Reasons for
Cancelling an Online Payment Service and Top 10 Features of Online Payment Services According to Online Merchants, May 2016
• Share of Online Merchants Using 3D-Secure, in %, May 2016
• Top 9 Acquirers by Number of Online Shops Served from the Top 100 Online Shops by 2015 Revenue, May 2016
• Top 9 Acquirers by Number of Online Shops Served from the Top 100 Online Shops by 2015 Revenue, May 2016
3.3.2. Poland
• Payment Methods Preferred in Online Shopping, in % of Online Shoppers, April 2016
3.3.3. Turkey
• Number and Value of Domestic E-Commerce Transactions with Bank Cards, in millions and in TRY million, Q1 2013 - Q4 2015
• Number and Value of Cross-Border E-Commerce Transactions with Bank Cards, in millions and in TRY million, Q1 2013 - Q4 2015
3.3.4. Greece
• Most Important Features of Online Shops, incl. Payment-Related, in % of Online Shoppers, November 2015

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TABLE OF CONTENTS (7 OF 7)
3. Europe (Cont.)
3.3. Emerging Markets (Cont.)
3.3.5. Czech Republic
• Payment Methods Preferred in Online Shopping, in % of Online Shoppers, 2015
3.3.6. Hungary
• Payment Methods Offered by Online Shops, in % of Online Shops, June 2016
3.3.7. Ukraine
• Value of Online Transactions with Bank Cards, in UAH billion, and Number of Online Transactions with Bank Cards, in millions, 2013 -
2015
3.3.8. Romania
• Breakdown of Payments for Online Purchases by Payment Methods, in %, 2015

14. 14
1. Management Summary 14 – 18
2. Global Developments 19 – 28
3.
3.1.
3.2.
Europe
Europe Regional
Advanced Markets
UK
Germany
France
Spain
Italy
Netherlands
Belgium
Sweden
Austria
Switzerland
Norway
Finland
Denmark
29 – 104
29 – 34
35 – 85
3.3. Emerging Markets
Russia
Poland
Turkey
Greece
Czech Republic
Hungary
Ukraine
Romania
86 – 104

15. 15
Credit Card
53%Bancontact
40%
Others
7%
Q1 2016Q1 2015
The share of “Credit card” of online purchases in Belgium declined
from 53% in Q1 2015 to 51% in Q1 2016.
Belgium: Breakdown of Online Purchases by Payment Methods, in %, Q1 2015 & Q1 2016
Note: only shares of these two methods were provided, other methods were not specified
Survey: based on continuous tracking of retail panels and consumers, supplemented with additional consumer research
Source: BeCommerce, GfK, Worldline, Google, Post.nl, June 2016
Credit Card
51%
Bancontact
45%
Others
4%

16. 16
The share of online shoppers in Russia paying by “Bank Card”
continued to increase in 2015, while “Cash on Delivery” declined.
Russia: Payment Methods Used in Online Shopping, in % of Online Shoppers, 2013 - 2015
Note:
Survey:
does not add up to 100% due to multiple answers possible
based on a survey of 69,000 people, aged 15 - 72; base of respondents for this question were individuals who used the Internet to purchase goods and/or services in the
previous 12 months
Source: Federal State Statistics Service of the Russian Federation, March 2015, April 2016
1.2%
2.6%
1.9%
7.3%
4.6%
10.7%
19.2%
20.3%
45.4%
39.3%
2.4%
1.2%
1.5%
4.8%
5.1%
11.1%
14.4%
13.7%
43.6%
47.2%
1.4%
1.3%
1.8%
4.9%
7.1%
10.4%
13.5%
13.7%
38.3%
60.2%
0% 20% 40% 60% 80% 100%
Other
At the Office of the Product/Service Producer
At the Office of the Product/Service Distributor
At Bank Branch
SMS
E-Money (WebMoney, Yandex.Money, etc.)
At Post Office
Payment Terminal or Bank Terminal
Cash on Delivery
Bank Card
2015
2014
2013
in % of Online Shoppers

17. 17