Visa and Mastercard had varying market shares across 15 different European countries in 2020, sometimes significantly lower than domestic payment cards. Visa was the largest card issuer in Ireland and the United Kingdom, with market shares of over 80 percent in both countries. Mastercard, on the other hand, held market shares of 88 percent and 70 percent in the Netherlands and Sweden, respectively. Unlike the United States, Visa and Mastercard are often associated with debit cards in Europe. Indeed, debit card use is more prevalent than the use of credit cards in Europe, as revealed by estimates on credit cards and debit cards per capita in 37 European countries.
... but in name only, as Europe’s payment landscape is complicated.
When looking at European countries individually, however, the market shares of Visa and MasterCard varied dramatically. In Germany, for example, the domestic card brand Girocard had a market share of 74 percent, whereas Visa and MasterCard each made up for around 14 and 11 percent of the market. Italy, on the other hand, was more divided. Bancomat cards made up for 55 percent of transactions, whereas MasterCard and Visa each held a market share of approximately 25 and 19 percent. Market shares for either Visa or MasterCard are not readily available in France as the term “bank card” or carte bancaire (derived from the domestic payment brand CB) is not associated with a particular brand in French language, as can be seen in a domestic survey on the most preferred payment methods in France.
Market share of international and domestic payment card schemes in 15 countries in Europe in 2020
includes both POS (offline) as well e-commerce (online) transactions
* The source did use "domestic card scheme" but named the payment method for each country. For convenience in this overview, they were put together in this single column. Here, "domestic card scheme" stands for payment card schemes that only exist within specific countries and are either not known or not commonly used abroad. The source referred to the following schemes:
France: Cartes Bancaires;
Russia: MIR. Golden Crown, a bank transfer system that allows consumers to send money from Russia to its neighboring countries, was put in "others".
Percentage points exceeding or missing to 100 percent are probably due to rounding.
The source mentions the numbers have been compiled "using a mixture of primary and secondary data sources. Primary refers to their own surveys and commissioned research; whereas secondary refers to authoritative third-party vendor data, and other publicly available data." No specifics, however, are given.
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Worldpay. (March 2, 2022). Market share of international and domestic payment card schemes in 15 countries in Europe in 2020 [Graph]. In Statista. Retrieved July 01, 2022, from https://www.statista.com/statistics/1116580/payment-card-scheme-market-share-in-europe-by-country/
Worldpay. "Market share of international and domestic payment card schemes in 15 countries in Europe in 2020." Chart. March 2, 2022. Statista. Accessed July 01, 2022. https://www.statista.com/statistics/1116580/payment-card-scheme-market-share-in-europe-by-country/
Worldpay. (2022). Market share of international and domestic payment card schemes in 15 countries in Europe in 2020. Statista. Statista Inc.. Accessed: July 01, 2022. https://www.statista.com/statistics/1116580/payment-card-scheme-market-share-in-europe-by-country/
Worldpay. "Market Share of International and Domestic Payment Card Schemes in 15 Countries in Europe in 2020." Statista, Statista Inc., 2 Mar 2022, https://www.statista.com/statistics/1116580/payment-card-scheme-market-share-in-europe-by-country/
Worldpay, Market share of international and domestic payment card schemes in 15 countries in Europe in 2020 Statista, https://www.statista.com/statistics/1116580/payment-card-scheme-market-share-in-europe-by-country/ (last visited July 01, 2022)