Strong customer authentication
Strong customer authentication: Strong customer authentication on remote card payments, H2 2025 (provisional) — Strong customer authentication on remote card payments: Portugal leads at 75.3 %. ECB figures, country ranks, withheld reasons and source series.
Source: European Central Bank, payment statistics (half-yearly). Scrolld derives the shares and rates shown as derived; every figure links to its ECB series.
Strong customer authentication on remote card payments
ECB:PCP:H.{area}.W0.W0.CP0.1.2000.R.PCS_ALL._Z.100._Z.N.PN ÷ ECB:PCP:H.{area}.W0.W0.CP0.1.2000.R.PCS_ALL._Z._X._Z.N.PN × 100 (ECB figures; calculated by the mart).
| Area | Value and caveat | Rank |
|---|---|---|
| Portugal | 75.3 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2 | 1 of 25 |
| Belgium | 71.3 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2 | 2 of 25 |
| Spain | 58.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2 | 3 of 25 |
| Slovakia | 54.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2 | 4 of 25 |
| Romania | 53.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2 | 5 of 25 |
| Czechia | 52.1 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2 | 6 of 25 |
| Bulgaria | 48.3 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2 | 7 of 25 |
| Netherlands | 42.5 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2 | 8 of 25 |
| Greece | 42.2 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2 | 9 of 25 |
| France | 41.5 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2 | 10 of 25 |
| Estonia | 40.6 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2 | 11 of 25 |
| Hungary | 39.2 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2 | 12 of 25 |
| Latvia | 38.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2 | 13 of 25 |
| Lithuania | 38.0 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2 | 14 of 25 |
| Cyprus | 37.4 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2 | 15 of 25 |
| Malta | 36.4 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2 | 16 of 25 |
| Croatia | 34.4 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2 | 17 of 25 |
| Finland | 32.5 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2 | 18 of 25 |
| Italy | 32.0 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2 | 19 of 25 |
| Germany | 29.7 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2 | 20 of 25 |
| Ireland | 29.6 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2 | 21 of 25 |
| Austria | 28.7 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2 | 22 of 25 |
| Slovenia | 28.7 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2 | 23 of 25 |
| Poland | 25.4 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2 | 24 of 25 |
| Luxembourg | 24.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2 | 25 of 25 |
| Euro area | 43.8 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2 | ECB aggregate — unranked |
| European Union | 43.5 % Derived by Scrolld from ECB inputs. Issuer-side card payments; countries licensing EU-wide issuers, including Lithuania and Luxembourg, can show unusually large figures. ECB series 1 · ECB series 2 | ECB aggregate — unranked |
Strong customer authentication on remote credit transfers
ECB:PCT:H.{area}.W0.1.2000.R.CTS_ALL.100._Z.N.PN ÷ ECB:PCT:H.{area}.W0.1.2000.R.CTS_ALL._X._Z.N.PN × 100 (ECB figures; calculated by the mart).
| Area | Value and caveat | Rank |
|---|---|---|
| Netherlands | 91.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2 | 1 of 24 |
| Hungary | 89.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2 | 2 of 24 |
| Croatia | 88.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2 | 3 of 24 |
| Belgium | 85.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2 | 4 of 24 |
| Italy | 84.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2 | 5 of 24 |
| Slovenia | 84.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2 | 6 of 24 |
| Austria | 83.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2 | 7 of 24 |
| Germany | 81.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2 | 8 of 24 |
| Poland | 79.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2 | 9 of 24 |
| Estonia | 77.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2 | 10 of 24 |
| Slovakia | 73.4 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2 | 11 of 24 |
| Czechia | 70.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2 | 12 of 24 |
| Cyprus | 67.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2 | 13 of 24 |
| Portugal | 64.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2 | 14 of 24 |
| Latvia | 62.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2 | 15 of 24 |
| Bulgaria | 62.0 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2 | 16 of 24 |
| Finland | 61.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2 | 17 of 24 |
| Romania | 60.2 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2 | 18 of 24 |
| Luxembourg | 54.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2 | 19 of 24 |
| France | 53.6 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2 | 20 of 24 |
| Spain | 53.3 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2 | 21 of 24 |
| Greece | 49.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2 | 22 of 24 |
| Lithuania | 41.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2 | 23 of 24 |
| Ireland | 30.9 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2 | 24 of 24 |
| Malta | Withheld: the ECB's breakdown does not add up to its total for this period Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2 | Unranked |
| Euro area | 69.5 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2 | ECB aggregate — unranked |
| European Union | 70.7 % Derived by Scrolld from ECB inputs. ECB series 1 · ECB series 2 | ECB aggregate — unranked |