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BreadcrumbResourcesAlternatives to cards across Europe

Alternatives to cards across Europe

Guide to the major local payment methods across Europe.

Introduction

The global reach of credit and debit cards, along with the facility to set up recurring card payments with a single upfront customer authorisation, has led to them becoming the default payment method for many global subscription businesses.

But cards don’t always offer the best solution for your business or your customers:

  • Transaction costs can be high for you as merchant: card payments typically cost 3% per transaction, compared to bank to bank payment methods which are typically less than 1%.

  • Card payments fail more often, because of expiry dates and spending limits, hitting subscription businesses where it really hurts - involuntary customer churn.

  • Payment preferences vary greatly across Europe. Subscription businesses must optimise for local preferences as much as possible to improve customer experience and conversion.

So, offering alternatives to cards can reduce costs, reduce churn and improve customer experience, but what alternatives should you offer?

We’ve created this guide to the major local payment schemes across Europe to help you decide what’s right for your business.

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GoCardless (company registration number 07495895) is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017, registration number 597190, for the provision of payment services. GoCardless SAS (23-25 Avenue Mac-Mahon, Paris, 75017, France), an affiliate of GoCardless Ltd (company registration number 834 422 180, R.C.S. PARIS), is authorised by the ACPR (French Prudential Supervision and Resolution Authority), Bank Code (CIB) 17118, for the provision of payment services.