All countries

Payment methods in Germany

Here are the top takeaways you need to know about the German e-commerce market:

  • Germany is Europe’s second largest e-commerce market. It is worth a massive US$145 billion a year — and that will rise to US$197 billion by 2027.
  • The average German consumer spends US$1,806 online every year. By 2027, that will rise to US$2,442.
  • Germany is a fragmented country when it comes to payment methods, some of the most popular being Girocard, PayPal, and Sepa Direct Debit.
  • In the last three years, the percentage of online shoppers who bought things from merchants outside of Germany rose from 37% to 43%.
  • Germans make 42% of all their online purchases using mobile devices. To ensure the best possible conversion rate, your payment options must be optimized for mobile.
Online Population
B2C E-commerce
Banked Population
Credit Card Population
E-commerce of Total Retail

Payment Method Breakdown

  • Card 17%
  • Cash 4%
  • Bank Transfer 30%
  • E-Wallet 33%
  • Other 16%
[{"label":"Card","value":"17"},{"label":"Cash","value":"4"},{"label":"Bank Transfer","value":"30"},{"label":"E-Wallet","value":"33"},{"label":"Other","value":"16"}]

Popular payment methods

giropay Bank transfer Consumer countries:
Klarna Bank transfer, Buy Now, Pay Later, Instalments Consumer countries:
Sofort (Klarna) Bank transfer Consumer countries:

Card Scheme Breakdown

  • Visa 15%
  • Mastercard 12%
  • American Express 2%
  • Local schemes 72%
  • Other 0%
[{"label":"Visa","value":"15"},{"label":"Mastercard","value":"12"},{"label":"American Express","value":"2"},{"label":"Local schemes","value":"72"},{"label":"Other","value":"0"}]

Cross-Border E-Commerce


Online shoppers who have shopped cross-border


Cross-border proportion of total e-commerce

26.8 bn $US

Value of cross-border e-commerce

Top cross-border shopping origin markets