Payment methods in Europe

Europe payment methods are the card, wallet, bank-transfer, BNPL and cash rails that consumers in Europe actually use at checkout. This page lists the 33 Europe methods Payment Methods List tracks, grouped by category, with a linked profile for each rail covering how it works, who uses it and which merchants should accept it.

Last updated: July 31, 2026 · By Ale Aznar

All Europe payment methods we track

MethodCategoryRegionProfile
7-CONNECTDigital walletEuropeComing soon
BACSBank transferEuropeComing soon
BankartDomestic card schemeEuropeComing soon
BluecodeDigital walletEuropeComing soon
BudbeeBNPLEuropeComing soon
Carte BancaireDomestic card schemeEuropeComing soon
ChipknipDomestic card schemeEuropeComing soon
CitadeleBank transferEuropeComing soon
ConnectPayBank transferEuropeComing soon
Favör PayDigital walletEuropeComing soon
GIROBank transferEuropeComing soon
iGoDigital walletEuropeComing soon
LydiaDigital walletEuropeComing soon
MaximaVoucher / cashEuropeComing soon
mCashDigital walletEuropeComing soon
OneyBNPLEuropeComing soon
Open Banking (UK)Bank transferEuropeComing soon
PayboxDigital walletEuropeComing soon
PayConiqDigital walletEuropeComing soon
PaylibDigital walletEuropeComing soon
PodeliBNPLEuropeComing soon
QiwiDigital walletEuropeComing soon
SEBBank transferEuropeComing soon
SEQRDigital walletEuropeComing soon
SolarisbankBank transferEuropeComing soon
SwedbankBank transferEuropeComing soon
TinkoffBank transferEuropeComing soon
UkashVoucher / cashEuropeComing soon
Wallet OneDigital walletEuropeComing soon
Yandex PayDigital walletEuropeComing soon
YapilyBank transferEuropeComing soon
YooMoneyDigital walletEuropeComing soon
ZimplerBank transferEuropeComing soon

Browse the profiles

7-CONNECT
Europe · Digital wallet
Profile coming soon
BACS
Europe · Bank transfer
Profile coming soon
Bankart
Europe · Domestic card scheme
Profile coming soon
Bluecode
Europe · Digital wallet
Profile coming soon
Budbee
Europe · BNPL
Profile coming soon
Carte Bancaire
Europe · Domestic card scheme
Profile coming soon
Chipknip
Europe · Domestic card scheme
Profile coming soon
Citadele
Europe · Bank transfer
Profile coming soon
ConnectPay
Europe · Bank transfer
Profile coming soon
Favör Pay
Europe · Digital wallet
Profile coming soon
GIRO
Europe · Bank transfer
Profile coming soon
iGo
Europe · Digital wallet
Profile coming soon
Lydia
Europe · Digital wallet
Profile coming soon
Maxima
Europe · Voucher / cash
Profile coming soon
mCash
Europe · Digital wallet
Profile coming soon
Oney
Europe · BNPL
Profile coming soon
Open Banking (UK)
Europe · Bank transfer
Profile coming soon
Paybox
Europe · Digital wallet
Profile coming soon
PayConiq
Europe · Digital wallet
Profile coming soon
Paylib
Europe · Digital wallet
Profile coming soon
Podeli
Europe · BNPL
Profile coming soon
Qiwi
Europe · Digital wallet
Profile coming soon
SEB
Europe · Bank transfer
Profile coming soon
SEQR
Europe · Digital wallet
Profile coming soon
Solarisbank
Europe · Bank transfer
Profile coming soon
Swedbank
Europe · Bank transfer
Profile coming soon
Tinkoff
Europe · Bank transfer
Profile coming soon
Ukash
Europe · Voucher / cash
Profile coming soon
Wallet One
Europe · Digital wallet
Profile coming soon
Yandex Pay
Europe · Digital wallet
Profile coming soon
Yapily
Europe · Bank transfer
Profile coming soon
YooMoney
Europe · Digital wallet
Profile coming soon
Zimpler
Europe · Bank transfer
Profile coming soon

Other categories

Frequently asked questions

What payment methods are used in Europe?

The most widely accepted methods we track in Europe include 7-CONNECT, BACS, Bankart, Bluecode. Coverage spans wallets, account-to-account rails, cards, BNPL and cash vouchers depending on the market.

How many payment methods does Payment Methods List track in Europe?

We currently track 33 methods attributed to Europe, each with its own profile page as coverage ships.

Which Europe payment methods settle in real time?

Real-time account-to-account rails settle within seconds in most markets, while cash vouchers and direct debit run on a delayed cycle. Settlement timing per method is covered in each method profile.

Do merchants need a local entity to accept payments in Europe?

It depends on the rail and the acquirer. Some domestic rails require a local entity or a merchant of record; others are reachable cross-border through international PSPs. Licensing notes sit inside each method profile.