The Austrian online payment market

Discover Austria’s e-commerce market and its favourite digital and online payment methods.

Countries Austria

Austria: an e-commerce & payments primer

Austria is a lucrative e-commerce market with shoppers who are used to buying from online merchants. There are few barriers to entry, particularly for EU firms. Austrian consumers are open to new providers and to cross-border shopping.

Austrians’ payment preferences differ from those of countries such as the US and the UK. Local Payment Methods (LPMs), often referred to as credit-card alternatives, dominate Austrian payment culture. Only 39% of all online purchases are paid for using a credit card [1].

Consumers use bank transfers in 23% of online transactions [1]. They use e-wallets in 26% of all purchases. While most Austrians prefer cashless payment methods for online purchases, 5% of shoppers still use cash, a form of payment more common in developing markets [1]. They use a range of other payment types in 7% of digital payments [1]. 

Austria’s e-commerce market

The Austrian e-commerce market is worth 13.8 billion $US. The average annual spend per consumer is 1,658 $US [1]. 83% of Austrian online shoppers have bought something from a merchant based outside the country [1]. The value of these transactions is 7.4 billion $US a year [1]. Austrian consumers complete 37% of all online transactions on a mobile device [1].

A study conducted in the second half of 2020 found that while a third of all Austrian e-commerce merchants had increased sales during the pandemic [2], this has continued on into 2022, with 42% of Austrians saying they now shop online at least once a week [3]. A 2022 report found that social commerce in Austria is already worth almost 800 million $US — a figure expected to rise to 3 billion $US by 2028 [4].

Things e-commerce providers need to know about Austria

The digital infrastructure in Austria is good. 88% of Austrians have an Internet connection — an impressive achievement for a country that’s dominated by some of Europe’s most fearsome mountain ranges [1]. 86% of Austrians have an Internet-enabled smartphone, making it vital for merchants to support mobile payment apps [1].

Under its broadband strategy 2030, adopted in 2019, Austria aimed to have ultra-fast broadband available in the whole country by the end of 2020 [5]. In 2021, the government pledged to spend US$1.7 billion (€1.4 billion) by 2026, to speed up the roll-out of fast broadband [6]. The goal is for high-speed connections to be 57% of the total by 2025 [6].

Physical limiting factors in Austria are few. The main restrictions faced by new competitors are likely to be the high expectations of already well-served customers in a sophisticated market. Austrians are open to new merchants and have already shown themselves enthusiastic about cross-border e-commerce.

Austrians also have money to spend. The country’s GDP per capita is US$49,000 [7]. That’s 28% higher than the average for the Euro Area and 42% higher than the EU average [7]. The European Commission forecasts that the Austrian economy will grow by 4.3% in 2022 and 2.3% in 2023 [8].

But to succeed in the Austrian e-commerce market, you must know the preferred payment methods of Austrian consumers and be able to offer them at your checkout.


  1. Original PPRO research

Page index

Reach out to talk about payments in Austria.

Get in touch

Quick facts

Austrians are huge cross-border shoppers. 83% of all Austrian online shoppers have shopped cross-border with more than half of their purchases coming from Germany.

It may be that Austrians are canny shoppers or it may be down to the incredibly short returns period. Unlike other European countries that offer at least 2 weeks grace, Austrian consumers have one week to return unwanted purchases.

From 1st July 2021 taxes are charged on all e-commerce purchases made in Austria whether the purchase is shipped from within the EU or not and is chargeable from the first cent.

Austria’s economy dropped by 6.6% in 2020 but grew by 4.5% in 2021 and is expected to grow by 2.6% in 2022 and 3% in 2023 according to the IMF. Inflation also rose in 2020 by 1.4% 5.6% in 2021, and is expected to grow by 2.2% in 2022 and 2% in 2023.

General Information

  • Population 9.0 m
  • Population 15 + 7.7 m
  • Online population 7.8 m
  • Area 83,879 km2
  • Currency EUR
  • GDP 481.2 bn $US
  • GDP per capita 53,766 $US

Payment types

  • Card-based payments
  • Cash-based payments
  • Bank transfer
  • Wallets
  • Other
[{"label":"Card-based payments","value":"39"},{"label":"Cash-based payments","value":"5"},{"label":"Bank transfer","value":"23"},{"label":"Wallets","value":"26"},{"label":"Other","value":"7"}]

Banked population
  • Austria 99%
  • Western & Central Europe 96%
  • World 67%
Credit card penetration
  • Austria 50%
  • Western & Central Europe 47%
  • World 19%
Internet penetration
  • Austria 88%
  • Western & Central Europe 92%
  • World 62%
Smartphone penetration
  • Austria 86%
  • Western & Central Europe 81%
  • World 70%

The E-Commerce Market

Top e-commerce segments

  1. Fashion: 28%
  2. Electronics & Media: 28%
  3. Toys, Hobby & DIY: 21%
  4. Furniture & Appliances: 14%
  5. Food & Personal Care: 9%

Cross-border e-commerce

  1. Cross-border proportion of total e-commerce – 24%
  2. Value of cross-border e-commerce – 3.3 bn $US
  3. Online shoppers who have shopped cross-border – 83%

Top 3 cross-border shopping origin markets

  1. Germany: 65%
  2. China: 13%
  3. UK: 3%
B2C e-commerce growth 2020->20201
  • Austria 14.0%
E-commerce % of total retail
  • Austria 15%
  • Western & Central Europe 17%
  • World 20%
E-commerce completed on a mobile device
  • Austria 37%
  • Western & Central Europe 44%
  • World 53%

E-Commerce Trends

  • E-commerce market size 13.8 bn $US
  • E-commerce spending per capita 1,543 $US
  • E-commerce spending as % of GDP 3.0

The Credit Card Split

  • Visa
  • Mastercard
  • American Express
  • Other
[{"label":"Visa","value":"18"},{"label":"Mastercard","value":"80"},{"label":"American Express","value":"1"},{"label":"Other","value":"1"}]

The information on our Insights pages has been compiled by us in cooperation with Datamatics and Wright & Brown. The data shown is partially owned by us and partially owned by GlobalData. © 2021 by PPRO Financial Ltd. No data and information can be used for any further publication without the explicit approval of PPRO.


Let’s talk about
payment methods in Austria!

Offer your customers locally preferred payment methods today.

Need more info

Find the country you
want to sell in by region

United Kingdom United States Germany
Select a country