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Global Online Payment Methods 2012


August 2012


                                                                           Provided by

             RESEARCH ON INTERNATIONAL MARKETS
                 We deliver the facts – you make the decisions




                                                                                         August 2012




Publication Date	
	 August 2012
Language	
	 English
Format	
	 PDF & PowerPoint
Number of Pages/Charts 	 	
	 219
Covered Countries 	             	
	 North America: USA (Top Country), Canada									
	 Latin America: Brazil (Top Country), Argentina, Colombia, Mexico						
	 Western Europe: UK (Top Country), Belgium, France, Ireland, Italy, Luxembourg, Netherlands, 		
	 Portugal, Spain													
	 Central Europe: Germany (Top Country), Austria, Switzerland						
	 Eastern Europe: Russia (Top Country), Bulgaria, Cyprus, Czech Republic, Estonia, Greece, Hungary, 	
	 Latvia, Lithuania, Malta, Poland, Romania, Slovakia, Slovenia, Turkey, Ukraine				
	 Scandinavia: Denmark, Finland, Norway, Sweden								
	 Asia-Pacific: China (Top Country), India, Japan, Malaysia, South Korea, Vietnam, Australia		
	 Middle East & Africa: UAE, Botswana, Nigeria, South Africa
Price	
	 Single User License: 	                                         € 4,450 (excl. VAT)
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	 Global Site License: 	                                         € 13,350 (excl. VAT)




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Global Online Payment Methods 2012

Key Findings
 Covering more than 50 Countries & Regions worldwide
 •	 The global mobile payment transaction volume is estimated to increase by almost three quarters in 2012,
      compared to 2011.
 •	   Credit cards are projected to remain the leading online payment method in the USA at least until 2016, with
      debit cards taking second place.
 •	   After credit cards, “Boleto” was the most preferred payment method of online shoppers in Brazil in the 12
      month leading to May 2012.
 •	    In the UK in Q1 2012, the most frequently used online payment method was “Credit Cards”, followed by
      “Debit Cards”.
 •	   The number of digital wallets in Russia increased by more than 10% in 2011, while their transaction volume
      grew by almost 80% from 2010.
 •	   In China, the third party online payment market, which was dominated by Alipay, reached a trade volume of
      more than CNY 750 billion in Q1 2012, following a steady increase in previous quarters.



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Global Online Payment Methods 2012

Table of Contents (1 of 9)
 1.	MANAGEMENT SUMMARY                                             3. NORTH AMERICA (cont.)

 2.	GLOBAL                                                         3.1. USA (Top Country) (cont.)

 • 	 Online Payment Trends, 2012                                   •   	 Online Credit Card Payment Frustrations of Online 	
 • 	 Payment Service Provider Market Trends, October 	             	     Shoppers making Online digital Purchases under 	
                                                                   	     USD 25, in % of frustrated Online Shoppers, 	 	
 	 2011
                                                                   	     September 2011
 • 	 Mobile Payment Transaction Volume, in USD billion, 	          •   	 Mobile Payment Market Trends, April 2012
 	 2011 & 2012f
                                                                   •   	 Reasons for stagnant or declining Mobile Payment 	
 • 	 Mobile Payment Users, in millions, 2009, 2011, 		             	     Usage, in % of Mobile Payment Users, March 2012
 	 2013f & 2016f                                                   •   	 Share of Alternative Payment Methods on total 		
 • 	 Share of Online Alternative Payments on total 	 	             	     Online Payment Volume, in %, 2011/2012 and 	 	
 	 Online Transaction Value, by Product Category, in 	             	     2014f
 	 %, 2012 & 2015f                                                 •   	 News about Boku, May 2012
                                                                   •   	 News about CorFire, January 2012
                                                                   •   	 News about Isis, May 2012
 3.	NORTH AMERICA                                                  •   	 News about Parkmobile USA, March & May 2012
                                                                   •   	 News about PayOne, May 2012
 3.1. USA (Top Country)                                            •   	 News about USAePay, April 2012
                                                                   • 	 News about Western Union, March 2012
 • 	 Online Payment Trends, 2011/2012 and Average 	
 	 Amount spent on single Online Transactions using 	
 	 Credit Cards and Debit Cards, in USD, 2011                      3.2. Canada
 • 	 Breakdown of Online Payment Methods, in % of 	
 	 Usage, 2010-2016f                                               • 	 Online and Mobile Payment Trends, 2012
 	 (by Debit Card (Check Card), Major Credit Card, 	               • 	 Payment Methods of Online Shoppers, in % of 	 	
 	 Online alternative Payment (PayPal, Google, 		                  	 Usage, 2010
 	 Checkout, etc.), Prepaid or Gift Card, Store-		                 	 (by Credit Card, Online Payment Services)
 	 branded Credit Cards)
                                                                   • 	 Share of Retailers able to process Smartphone 	 	
 • 	 Preferred Mobile and Online Shopping Payment 		               	 Payments, in % of total Retailers, Q1 2012
 	 Services, in % of Usage, October 2011
                                                                   • 	 News about Paysafecard, July 2012
 	 (by CheckFree, Credit Cards, Google Wallet 		
 	 (Checkout), Mazooma, Moneybookers, PayPal, 		                   • 	 News about UseMyServices, March 2012
 	 Wirecard)
 • 	 Credit Card Online Purchase Volumes, in USD 	 	
 	 billion and in % annual Growth, 2010-2016f                      4.	LATIN AMERICA
 • 	 Breakdown of Mobile Payment Business Models, by 	
 	 Feasibility, in %, 2011                                         4.1. Regional
 • 	 Inclination to Purchase Online and additional 	 	
 	 monthly Amount Spent Online, if more secure and 	               • 	 Online Payment Trends, 2011
 	 easy Alternative Payment Methods were 	 vailable, 	
                                              a
 	 in %, September 2011
                                                                   4.2. Brazil (Top Country)
 • 	 Reasons for making more small digital Purchases 	
 	 under USD 25 Online, in %, September 2011
                                                                   • 	 Preferred Payment Methods in Brazil, in % of 	 	
 • 	 Online Shopping Concerns of Online Shoppers 	 	
                                                                   	 Online Shoppers, 12 Months to May 2012
 	 when making Online digital Purchases under USD 	
                                                                   	 (by Boleto, Cash-on-Delivery, Debit Card)
 	 25, including Payment Concerns, in %, September 	
 	 2011                                                            • 	 News about Cielo, April & July 2012


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Global Online Payment Methods 2012

Table of Contents (2 of 9)
 4. LATIN AMERICA (cont.)                                          5. WESTERN EUROPE

 4.2. Brazil (Top Country) (cont.)                                 5.1. Regional

 • 	 News about MasterCard and Telefónica, November 	              • 	 Online Payment Trends, 2011/2012
 	 2011                                                            • 	 Used Online Payment Methods, in % of Online 	 	
 • 	 News about MoIP, April 2012                                   	 Shoppers, 2010
 • 	 News about NewNet, April 2012                                 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
                                                                   	 Cheque, Credit/Charge Card, Debit Card, Direct 	
 • 	 News about PagSeguro, April 2012                              	 Debit, Online Payment Systems, Payment by 		
 • 	 News about Paymentez, March 2012                              	 Mobile Phone)
 • 	 News about SafetyPay and HSBC Bank Brazil, 	 	                • 	 Used Online Payment Methods, by Country, in % 	
 	 October 2011                                                    	 of Online Shoppers, 2010
                                                                   	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
                                                                   	 Cheque, Credit/Charge Card, Debit Card, Direct 	
 4.3. Argentina                                                    	 Debit, Online Payment Systems, Payment by 		
                                                                   	 Mobile Phone)

 • 	 Online Payment Trends, 2012 and Share of Online 	             • 	 Barriers to Online Shopping, including Payment, 	
                                                                   	 in % of Non-Online Shoppers, 2010
 	 Shoppers paying with Credit Cards, in %, April 		
 	 2012                                                            • 	 Share of Consumers with high Confidence in 	          	
                                                                   	 Online Payments, in %, May 2012
 • 	 News about DineroMail and MercadoPago, 2012; 	
 	 including Payment Transaction Volume of 		
 	 MercadoPago, in USD million, 2010 & 2011
 • 	 News about Tecnofinance S.R.L., July 2012
                                                                   5.2. UK (Top Country)
 • 	 News about Global Collect and Sub1, February 	 	
                                                                   • 	 Direct Carrier Billing Market Trends, April 2012 and 	
 	 2012
                                                                   	 Breakdown of Preferred Mobile Payment Methods, 	
 • 	 News about Ukash, February 2012                               	 in % of Smartphone Users, April 2012
                                                                   	 (by Credit Card, Debit Card, Other Payment 		
                                                                   	 Methods)
 4.4. Colombia                                                     • 	 Used Payment Methods, in % of Online Shoppers, 	
                                                                   	 2010
                                                                   	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
 • 	 News about Redeban Multicolor, February 2012; 	
                                                                   	 Cheque, Credit/Charge Card, Debit Card, Direct 	
 	 including total Transactions made using Redeban 	
                                                                   	 Debit, Online Payment Systems)
 	 Multicolor’s mobile Banking, in millions, 2010 & 		
 	 2011                                                            • 	 Breakdown of Online Payment Methods, by 	    	
                                                                   	 Frequency of Use, in %, Q1 2012
                                                                   	 (by Credit Cards, Debit Cards, PayPal, Other 		
                                                                   	 Methods)
 4.5. Mexico                                                       • 	 Breakdown of Online Card Payments, by Type of 	
                                                                   	 Card, in %, 2010
 • 	 Online and Mobile Payment Trends, 2011/2012                   	 (by Credit Cards, Debit Cards)
 • 	 Offered Online Payment Methods, in %, 2011                    • 	 Share of Consumers having ever scanned a QR-		
 	 (by Branch Deposit, Cash-on-Delivery, Credit Card, 	            	 Code, in % of Consumers, 2011
 	 Online Transfer, PayPal, Others)
                                                                   • 	 News about Visa, January 2012




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Global Online Payment Methods 2012

Table of Contents (3 of 9)
 5. WESTERN EUROPE (cont.)                                         5. WESTERN EUROPE (cont.)

 5.3. Belgium                                                      5.6. Italy

 • 	 Online Payment Trends, 2011/2012 and Breakdown 	              • 	 Breakdown of Online Payment Methods, in % of 	
 	 of used Online Shopping Payment Methods, in % of 	              	 Online Shoppers, 2011
 	 Online Shoppers, April 2012                                     	 (by Credit Card, PayPal, Other)
 • 	 Used Online Payment Methods, in % of Online 	 	
                                                                   • 	 Used Online Payment Methods, in % of Online 	 	
 	 Shoppers, 2010
                                                                   	 Shoppers, 2010
 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
                                                                   	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
 	 Cheque, Credit/Charge Card, Debit Card, Direct 	
                                                                   	 Cheque, Credit/Charge Card, Debit Card, Direct 	
 	 Debit, Online Payment Systems, Payment by 		
 	 Mobile Phone)                                                   	 Debit, Online Payment Systems, Payment by 		
                                                                   	 Mobile Phone)
 • 	 Online Payment Methods offered by Internet Pure 	
 	 Players, in %, 2010 & 2011                                      • 	 News about MyBank, May 2012
 	 (by American Express, Bancontact/Mister Cash, 		
 	 Dexia Direct Net, Diners, IDEAL, ING Home Pay, 	                5.7. Luxembourg
 	 JCB, KBC/CBC Online, Maestro, PayPal, Visa and 	
 	 Master Card)                                                    • 	 Used Online Payment Methods, in % of Online 	 	
                                                                   	 Shoppers, 2010
                                                                   	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
                                                                   	 Credit/Charge Card, Debit Card, Direct Debit, 		
 5.4. France                                                       	 Online Payment Systems)

 • 	 Online Payment Methods, by Popularity, in % of 	              5.8. Netherlands
 	 Online Shoppers, 2012f
 	 (by Bank Card, Cheque, Digital Wallet (PayP, etc.), 	           • 	 Breakdown of preferred Online Payment Methods 	
 	 Gift Voucher, Virtual Credit Card)                              	 of Online Shoppers, in %, 2010 & 2011
 • 	 Used Online Payment Methods, in % of Online 	 	               	 (by Acceptgiro, Credit Card, Credit Transfer, 		
 	 Shoppers, 2010                                                  	 iDEAL, One-off Direct Debit, PayPal, Others)
 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		                  • 	 Used Online Payment Methods, in % of Online 	 	
 	 Cheque, Credit/Charge Card, Debit Card, Direct 	                	 Shoppers, 2010
 	 Debit, Online Payment Systems, Payment by 		
                                                                   	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
 	 Mobile Phone)
                                                                   	 Cheque, Credit/Charge Card, Debit Card, Direct 	
                                                                   	 Debit, Online Payment Systems, Payment by 		
                                                                   	 Mobile Phone)
 5.5. Ireland                                                      • 	 Accepted Online Payment Methods by Online 	 	
                                                                   	 Merchants, in %, 2010 & 2011
                                                                   	 (by Acceptgiro, Cash-on-Delivery, Credit Card, 		
 • 	 Online Payment Trends, 2011/2012 and Number of 	
                                                                   	 Credit Transfer, iDEAL, One-off Direct Debit, 		
 	 Online Banking Payments, in millions, 2010 & 2011
                                                                   	 PayPal)
 • 	 Used Online Payment Methods, in % of Online 	 	
                                                                   • 	 Online Payment Methods used for last Online 	 	
 	 Shoppers, 2010
                                                                   	 Purchase, in %, 2011
 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
                                                                   	 (by Acceptgiro, Credit Card, Credit Transfer, iDEAL, 	
 	 Cheque, Credit/Charge Card, Debit Card, Direct 	
                                                                   	 One-off Direct Debit, PayPal)
 	 Debit, Online Payment Systems, Payment by 		
 	 Mobile Phone)                                                   • 	 Breakdown of preferred Mobile Payment Methods 	
                                                                   	 of Mobile Shoppers, in % of Mobile Shoppers, 2011
                                                                   	 (by Acceptgiro, Credit Card, iDEAL, Other)



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Global Online Payment Methods 2012

Table of Contents (4 of 9)
 5. WESTERN EUROPE (cont.)                                          6. CENTRAL EUROPE (cont.)

 5.9. Portugal                                                      6.1. Germany (cont.)

 • 	 Used Online Payment Methods, in % of Online 	 	                • 	 Breakdown of preferred Payment Methods of 	 	
 	 Shoppers, 2010                                                   	 Online Shoppers, in %, January 2011 & January 	
 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		                   	 2012
 	 Cheque, Credit/Charge Card, Debit Card, Direct 	                 	 (by Credit Card, Invoice, Online Payment, 		
 	 Debit, Online Payment Systems, Payment by 		                     	 Prepayment, Other)
 	 Mobile Phone)
                                                                    • 	 Breakdown of Trust in Online Payment Methods, 	
                                                                    	 compared to regular Payment Methods, in % of 		
 5.10. Spain                                                        	 Consumers, Q1 2012
                                                                    • 	 Reasons for choosing an Online Payment Method, 	
 • 	 Preferred Online Payment Methods, in % of 	  	                 	 in % of Individuals, Q1 2012
 	 Internet Users, 2011                                             • 	 Breakdown of preferred Payment Methods in 	 	
 	 (by Bank Transfer, Cash-on-Delivery, Credit Card, 	              	 Interactive Trade, in % of Interactive Trade 		
 	 Payment Platforms (e.g. PayPal, Moneybookers, 	
                                                                    	 Shoppers, 2010 & 2011
 	 Click & Buy))
                                                                    	 (by Cash-on-Delivery, Credit Card, Digital Payment 	
 • 	 Used Online Payment Methods, in % of Online 	 	                	 Methods, Direct Debit, Hire-Purchase, Invoice, 		
 	 Shoppers, 2010
                                                                    	 Others)
 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
 	 Cheque, Credit/Charge Card, Debit Card, Direct 	                 • 	 News about eBay Payment, June 2012
 	 Debit, Online Payment Systems, Payment by 		                     • 	 News about Otto and Yapital, March 2012
 	 Mobile Phone)
 • 	 Breakdown of main Concerns regarding Online 	 	
 	 Shopping, including Online Payments, in % of 	 	                 6.2. Austria
 	 Internet Users, May 2012
 • 	 News about PayPal, March 2012                                  • 	 Online Payment Trends, 2011/2012 and Online 		
                                                                    	 Payment Methods by Popularity, in % of Online 		
 • 	 News about Telefonica Digital, July 2012
                                                                    	 Shoppers, 2006/2007 & 2010/2011
                                                                    	 (by Bank Transfer, Cash-on-Delivery, Credit Card, 	
                                                                    	 PayPal, Other Payment Methods)
 6. CENTRAL EUROPE                                                  • 	 Used Online Payment Methods, in % of Online 	 	
                                                                    	 Shoppers, 2010
 6.1. Germany (Top Country)                                         	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
                                                                    	 Cheque, Credit/Charge Card, Debit Card, Direct 	
 • 	 Online Payment Trends, 2011/2012                               	 Debit, Online Payment Systems, Payment by 		
 • 	 Direct Carrier Billing Market Trends, April 2012 and 	         	 Mobile Phone)
 	 Breakdown of preferred Mobile Payment Methods, 	                 • 	 News about Klarna, July 2012
 	 in % of Smartphone Users, April 2012
 	 (by Credit Card, Debit Card, Other Payment 		
 	 Methods)                                                         6.3. Switzerland
 • 	 Used Online Payment Methods, in % of Online 	 	
 	 Shoppers, 2010                                                   • 	 Breakdown of preferred Payment Methods in 	 	
 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		                   	 Interactive Trade, in % of Companies, 2010 & 2011
 	 Cheque, Credit/Charge Card, Debit Card, Direct 	                 	 (by Credit Card, Debit Card, Invoice, Prepayment/	
 	 Debit, Online Payment Systems, Payment by 		                     	 Cash-on-Delivery)
 	 Mobile Phone)




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Global Online Payment Methods 2012

Table of Contents (5 of 9)
 7. EASTERN EUROPE                                                  7. EASTERN EUROPE (cont.)

 7.1. Russia (Top Country)                                          7.3. Cyprus

 • 	 Online Payment Trends, 2011                                    • 	 Used Online Payment Methods, in % of Online 	 	
 • 	 Most popular national and international Electronic 	           	 Shoppers, 2010
 	 Payment Systems, 2011                                            	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
                                                                    	 Cheque, Credit/Charge Card, Debit Card, Direct 	
 • 	 Awareness and Usage of Payment Methods, in %, 	                	 Debit, Online Payment Systems)
 	 March 2012
 	 (by Bank Cards, E-Money, Internet Banking, Offline 	
 	 Terminals, SMS Payments)
                                                                    7.4. Czech Republic
 • 	 E-Money Trends, 2011/2012
 • 	 Number of digital Wallets, in millions, 2009-2011f 	           • 	 Used Online Payment Methods, in % of Online 	 	
 	 and total digital Wallet Transaction Volume, in RUB 	            	 Shoppers, 2010
 	 billion, 2009-2012f                                              	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
 • 	 E-Money Usage, by Category, in % of E-Money 		                 	 Cheque, Credit/Charge Card, Debit Card, Direct 	
 	 Users in Urban Areas, March 2012                                 	 Debit, Online Payment Systems, Payment by 		
 • 	 E-Money Service Awareness, in % of Consumers in 	              	 Mobile Phone)
 	 Urban Areas, March 2012                                          • 	 Mobile Payment Trends, 2011
 	 (by Money@Mail.ru, PayPal, QIWI Wallet, 		
 	 WebMoney, Yandex.Money)
 • 	 E-Money Service Usage, in % of Consumers in 	 	                7.5. Estonia
 	 Urban Areas, March 2012
 	 (by Money@Mail.ru, PayPal, QIWI Wallet, 		                       • 	 Online Payment Trends, Q1 2012
 	 WebMoney, Yandex.Money)
                                                                    • 	 Used Online Payment Methods, in % of Online 	 	
 • 	 News about PayPal, August 2011                                 	 Shoppers, 2010
 • 	 News about VimpelCom and Alfa-Bank, June 2011                  	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
 • 	 News about Yandex.Money and Earthport, July 	 	                	 Cheque, Credit/Charge Card, Debit Card, Direct 	
 	 2012                                                             	 Debit, Online Payment Systems, Payment by 		
                                                                    	 Mobile Phone)
                                                                    • 	 Breakdown of most popular non-Card Payment 		
                                                                    	 Methods, in % of Individuals, Q1 2012
                                                                    • 	 Growth in Number of Transfers of non-Card 	 	
 7.2. Bulgaria                                                      	 Payment Methods, in % Growth, 2012 vs. 2007

 • 	 Used Online Payment Methods, in % of Online 	 	
 	 Shoppers, 2010
 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		                   7.6. Greece
 	 Cheque, Credit/Charge Card, Debit Card, Direct 	
 	 Debit, Online Payment Systems, Payment by 		                     • 	 Used Online Payment Methods, in % of Online 	 	
 	 Mobile Phone)                                                    	 Shoppers, 2010
 • 	 Share of Internet using Cardholders paying Bills or 	          	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
 	 making Purchases Online, in % of Cardholders 	 	                 	 Credit/Charge Card, Debit Card, Direct 			
 	 using the Internet, Q1 2012                                      	 Debit, Online Payment Systems, Payment by 		
                                                                    	 Mobile Phone)




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Global Online Payment Methods 2012

Table of Contents (6 of 9)
 7. EASTERN EUROPE (cont.)                                         7. EASTERN EUROPE (cont.)

 7.7. Hungary                                                      7.11. Poland

 • 	 Used Online Payment Methods, in % of Online 	 	               • 	 Online Payment Methods by Popularity, in %, 2011
 	 Shoppers, 2010                                                  	 (by Bank Transfer – On the Basis of an Invoice, 	
 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		                  	 Bank Transfer - Prepayment, Cash-on-Delivery, 	
 	 Cheque, Credit/Charge Card, Debit Card, Direct 	                	 Credit Card/E-Card, Payment System (for 		
                                                                   	 Example DotPay, PayPal), I Don’t Know/ Hard to 	
 	 Debit, Online Payment Systems, Payment by 		                    	 Tell, Other)
 	 Mobile Phone)
                                                                   • 	 Used Online Payment Methods, in % of Online 	 	
 • 	 News about PayU, July 2011                                    	 Shoppers, 2010
                                                                   	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
                                                                   	 Credit/Charge Card, Debit Card, Direct 			
                                                                   	 Debit, Online Payment Systems, Payment by 		
 7.8. Latvia                                                       	 Mobile Phone)
                                                                   • 	 Availability of Payment Methods in Online Shops, 	
 • 	 Used Online Payment Methods, in % of Online 	 	               	 in %, 2008-2010
 	 Shoppers, 2010                                                  	 (by Bank Transfer, Credit Card Payment, Micropay	
 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		                  	 ments per SMS, Payment in Installments, Payment 	
 	 Cheque, Credit/Charge Card, Debit Card, Direct 	                	 upon Receipt, Quick Internet Transfer, Other)
 	 Debit, Online Payment Systems, Payment by 		                    • 	 Payment Methods in Online Shops, by Popularity, 	
 	 Mobile Phone)                                                   	 in %, 2009 & 2010
                                                                   	 (by Bank Transfer, Credit Card Payment, 		
                                                                   	 Micropayments per SMS, Payment in Installments, 	
                                                                   	 Payment upon Receipt, Quick Internet Transfer, 	
                                                                   	 Other)
                                                                   • 	 Online Payment Cooperation Partners of Online 		
 7.9. Lithuania                                                    	 Shops, in %, 2008-2010
                                                                   	 (by DialCom24 Sp. z o.o., Did not cooperate with 	
 • 	 Used Online Payment Methods, in % of Online 	 	               	 any Company, Dotpay S.A., eCard S.A., First Data 	
 	 Shoppers, 2010                                                  	 Polska S.A., PayPal Polska Sp. z o.o., PayU S.A., 	
                                                                   	 Other)
 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
 	 Credit/Charge Card, Debit Card, Direct 			
 	 Debit, Online Payment Systems, Payment by 		                    7.12. Romania
 	 Mobile Phone)
                                                                   • 	 Online Payment Trends, 2011/2012 and Online 		
                                                                   	 Payment Volume, in EUR million, Q1-Q3 2010 & 	
                                                                   	 Q1-Q3 2011
 7.10. Malta                                                       • 	 Used Online Payment Methods, in % of Online 	 	
                                                                   	 Shoppers, 2010
 • 	 Used Online Payment Methods, in % of Online 	 	               	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
 	 Shoppers, 2010                                                  	 Credit/Charge Card, Debit Card, Direct 			
 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		                  	 Debit, Online Payment Systems, Payment by 		
 	 Credit/Charge Card, Debit Card, Direct 			                      	 Mobile Phone)
 	 Debit, Online Payment Systems)                                  • 	 Online Payment Methods, by Popularity, in % of 	
                                                                   	 Internet Users in Urban Areas, 2011
                                                                   	 (by Cash-on-Delivery, Credit Card)




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Global Online Payment Methods 2012

Table of Contents (7 of 9)
 7. EASTERN EUROPE (cont.)                                         8. SCANDINAVIA

 7.13. Slovakia                                                    8.1. Denmark

 • 	 Used Online Payment Methods, in % of Online 	 	               • 	 Online Payment Trends, 2011 and Average Amount 	
 	 Shoppers, 2010                                                  	 spent Online via Dankort, in DKK, 2010 & 2011
 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		                  • 	 Breakdown of Online Payment Methods, in % of 	
 	 Cheque, Credit/Charge Card, Debit Card, Direct 	                	 Online Shoppers, 2011
 	 Debit, Online Payment Systems, Payment by 		                    	 (by Credit Card/Dankort, Direct Payment via my 	
 	 Mobile Phone)                                                   	 Bank, Invoice, PayPal or similar)
 • 	 News about TrustPay, July 2012                                • 	 Used Online Payment Methods, in % of Online 	 	
 • 	 News about Adyen and TrustPay, July 2012                      	 Shoppers, 2010
 • 	 News about UniCredit and Gemalto, July 2011                   	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
                                                                   	 Cheque, Credit/Charge Card, Debit Card, Direct 	
                                                                   	 Debit, Online Payment Systems, Payment by 		
                                                                   	 Mobile Phone)
 7.14. Slovenia                                                    • 	 News about Ukash, February 2012

 • 	 Used Online Payment Methods, in % of Online 	 	
 	 Shoppers, 2010
                                                                   8.2. Finland
 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
 	 Cheque, Credit/Charge Card, Debit Card, Direct 	
 	 Debit, Online Payment Systems, Payment by 		                    • 	 Breakdown of Online Payment Methods, in % of 	
 	 Mobile Phone)                                                   	 Online Shoppers, 2011
                                                                   	 (by Credit Card/Dankort, Direct Payment via my 	
                                                                   	 Bank, Invoice (after Delivery), PayPal or similar, 	
                                                                   	 Others)
 7.15. Turkey                                                      • 	 Used Online Payment Methods of Online Shoppers, 	
                                                                   	 in %, 2010
 • 	 Mobile Banking and Payment Market Trends, 	         	         	 (by Bank/Credit Transfer, Cash-on-Delivery, 		
 	 December 2011                                                   	 Credit/Charge Card, Debit Card, Direct Debit, 		
                                                                   	 On	line Payment Systems, Payment by Mobile 		
 • 	 Total Number of E-Commerce Transactions made 	                	 Phone)
 	 with Domestic Cards, in millions, 2007-2011 and 	
 	 Volume of E-Commerce Transactions made with 	
 	 Domestic Cards, in TRY billion, 2007-2011
 • 	 News about Express Digital Wallet, June 2012
                                                                   8.3. Norway
 • 	 News about Paysafecard, June 2012

                                                                   • 	 Breakdown of Online Payment Methods, in % of 	
                                                                   	 Online Shoppers, 2011
 7.16. Ukraine                                                     	 (by Credit Card/Dankort, Direct Payment via my 	
                                                                   	 Bank, Invoice (after Delivery), PayPal or similar)
 • 	 News about Global Money, June 2012




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Global Online Payment Methods 2012

Table of Contents (8 of 9)
 8. SCANDINAVIA (cont.)                                             9. ASIA-PACIFIC (cont.)

 8.4. Sweden                                                        9.2. China (cont.)

 • 	 Breakdown of Online Payment Methods, in % of 	                 • 	 Breakdown of Online Payment Safety Issues, in % 	
 	 Online Shoppers, 2011                                            	 of affected Users, 2011
 	 (by Credit Card, Direct Payment via my Bank, 		                  • 	 Breakdown of Customer Loyalty after Encountering 	
 	 Invoice (after Delivery), PayPal or similar, Others)             	 Safety Issues, by Payment Provider, in % of 		
 • 	 Used Payment Methods, in % of Online Shoppers, 	               	 affected Users, 2011
 	 2010                                                             • 	 Mobile Payment Trade Volume, in CNY billion and in 	
 	 (by Bank/Credit Transfer, Cash-on-Delivery, 		                   	 % annual Growth, 2010-2014f
 	 Credit/Charge Card, Debit Card, Direct Debit, 		
 	 Online Payment Systems, Payment by Mobile 		                     • 	 Number of Mobile Payment Users, in millions and in 	
 	 Phone)                                                           	 % annual Growth, 2010-2014f

 • 	 Mobile Payment Trends, 2011/2012                               • 	 News about Alipay and Computop, July 2012
                                                                    • 	 News about PayPal, March 2012
                                                                    • 	 News about China UnionPay, February, May & June 	
                                                                    	 2012
 9. ASIA-PACIFIC

 9.1. Regional                                                      9.3. India

 • 	 Online Payment Trends, 2012                                    • 	 Online Payment Trends, 2011/2012



 9.2. China (Top Country)                                           9.4. Japan

 • 	 Third Party Online Payment Trade Volume, in CNY 	              • 	 Online Payment Trends, 2011/2012 and Amount of 	
 	 billion and in % annual Growth, Q1 2011- Q1 2012                 	 Money issued by Plastic Prepaid Cards, in JPY 		
 • 	 Breakdown of Third Party Online Payment Market, 	              	 billion, 2010 & 2011
 	 by Registered Users, in %, Q1 2012                               • 	 Value of the Electronic Payment Market, in JPY 	 	
 	 (by 99Bill, Alipay, ChinaBank Payment, IPS, 		                   	 trillion and in % annual Growth, 2011-2016f
 	 PayEase, Tenpay, Yeepay, Others)                                 • 	 News about DataCash, April 2012
 • 	 Breakdown of Third Party Online Payment Market, 	              • 	 News about PayPal, May 2012
 	 by Trade Volume, in %, Q1 2012
 	   (by 99Bill, Alipay, ChinaBank, China PNR, China 	
 	   UnionPay, IPS, PayEase, Tenpay, YeePay, Others)
 • 	 Breakdown of Online Payment Users, by Gender, 	
 	 in % of Users, 2011
 • 	 Breakdown of Online Payment Users, by Age 	          	
 	 Group, in % of Online Payment Users, 2011
                                                                    9.5. Malaysia
 • 	 Share of Online Payment Users, in % of total 	 	
                                                                    • 	 Online Payment Trends, 2011/2012
 	 Internet Users, 2011 and Breakdown of Reasons 	
 	 against Online Payments, in %, 2011                              • 	 News about PayPal and Malaysia Airlines, July 2012
 • 	 Main Online Payment Safety Concerns, in %, 2011




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Global Online Payment Methods 2012

Table of Contents (9 of 9)
 9. ASIA-PACIFIC (cont.)                                           10. MIDDLE EAST & AFRICA

 9.6. South Korea                                                  10.1. Middle East Regional

 • 	 Payment Methods in B2C E-Commerce, in %, Q2 	                 • 	 Online Payment Trends, 2011/2012 and Reasons 	
 	 2010, Q1 2011 & Q2 2011                                         	 against Online Shopping, including Payment, in %, 	
 	 (by Credit Cards, E-Money, Money Transfers, 		                  	 2011
 	 Others)                                                         • 	 News about PayPal, June 2012
 • 	 News about Won Corporation, July 2012


                                                                   10.2. UAE

                                                                   • 	 Online Payment Methods, by Popularity, in % of 	
 9.7. Vietnam                                                      	 Online Shoppers using Credit and Debit Cards, July 	
                                                                   	 2011
 • 	 News about BPC Banking Technologies and Ocean	                	 (by Mastercard, Third-Party Payment Sites (eg Pay	
 	 Bank, October 2011                                              	 Pal), Visa)
 • 	 News about OnePay, June 2011 & February 2012

                                                                   10.3. Africa Regional

                                                                   • 	 Mobile Payment Trends, 2012


 9.8. Australia                                                    10.4. Botswana

 • 	 Online Payment Trends, 2011/2012                              • 	 Online Payment Trends, 2012
 • 	 Breakdown of Online Shopping Payment Methods, 	
 	 in % of Online Shoppers, June 2011
 	 (by Both Credit Card and Money Transfer Services, 	             10.5. Nigeria
 	 Credit Card only, Money Transfer Services only 		
 	 (e.g. PayPal), Neither)                                         • 	 Breakdown of Online Payment Methods, in % of 	
 • 	 Online Payment Methods, by Popularity, in % of 	              	 Internet Users, 2010
 	 Inhabitants, 2011                                               	   (by ATM, Mastercard, Visa, All)
 	 (by Credit Card, Debit Card, Direct Debit/Transfer, 	
 	 PayPal)
                                                                   10.6. South Africa

                                                                   • 	 News about MasterCard Mobile, April 2012
                                                                   • 	 News about PayU, July 2012




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Global Online Payment Methods 2012

                                                                                     Samples

                                                               RESEARCH ON INTERNATIONAL MARKETS
                                                                   We deliver the facts – you make the decisions




       In July 2012, online prepaid payment expert Paysafecard expanded into
       the Canadian market, offering prepaid payment solutions.
       Canada: News about Paysafecard, July 2012


                In July 2012, Austrian and German online prepaid payment
                 expert Paysafecard expanded into the Canadian
                 market. Since its establishment in 2000, the company
                 already serviced 31 markets as of July 2012 and has
                 become the leading prepaid payment provider in Europe.

                Paysafecard enables purchases of online prepaid
                 vouchers, which can be used as online currency. The
                 service does not charge transaction fees to clients.

                Vouchers can be acquired at distribution partners of
                 Paysafecard, such as retail outlets.

                The company hoped to trigger an expansion of the
                 Canadian E-Commerce market, by providing safe payment
                 solutions, thus reacting to customers’ security concerns.

                Moreover, Paysafecard is a suitable payment method for
                 micro transactions, which will increase as the Canadian
                 online gaming market becomes increasingly monetized.



       Source: Paysafecard, July 2012




                                                                                                                                                  54




                                                                RESEARCH ON INTERNATIONAL MARKETS
                                                                     We deliver the facts – you make the decisions




        In Mexico, “Credit Card” (68%) was the most offered online payment
        method in 2011, followed by “Online Transfer” (29%).
        Mexico: Offered Online Payment Methods, in %, 2011
        (by Branch Deposit, Cash-on-Delivery, Credit Card, Online Transfer, PayPal, Others)



                                           Credit Card                                                                   68%


                                        Online Transfer                               29%


                                    Branch Deposit                                  27%


                                               PayPal                      18%


                               Cash-on-Delivery                        14%


                                                Others               13%


                                                          0%             20%                  40%                  60%         80%        100%


        Note: based on a survey of 80 online retailers
        Source: AMIPCI, 2012




                                                                                                                                                       73




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Global Online Payment Methods 2012

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Brochure & Order Form_Global Online Payment Methods 2012_by yStats.com

  • 1. Global Online Payment Methods 2012 August 2012 Provided by RESEARCH ON INTERNATIONAL MARKETS We deliver the facts – you make the decisions August 2012 Publication Date August 2012 Language English Format PDF & PowerPoint Number of Pages/Charts 219 Covered Countries North America: USA (Top Country), Canada Latin America: Brazil (Top Country), Argentina, Colombia, Mexico Western Europe: UK (Top Country), Belgium, France, Ireland, Italy, Luxembourg, Netherlands, Portugal, Spain Central Europe: Germany (Top Country), Austria, Switzerland Eastern Europe: Russia (Top Country), Bulgaria, Cyprus, Czech Republic, Estonia, Greece, Hungary, Latvia, Lithuania, Malta, Poland, Romania, Slovakia, Slovenia, Turkey, Ukraine Scandinavia: Denmark, Finland, Norway, Sweden Asia-Pacific: China (Top Country), India, Japan, Malaysia, South Korea, Vietnam, Australia Middle East & Africa: UAE, Botswana, Nigeria, South Africa Price Single User License: € 4,450 (excl. VAT) Site License: € 8,900 (excl. VAT) Global Site License: € 13,350 (excl. VAT) yStats.com GmbH & Co. KG Telefon: +49 (0) 40 - 39 90 68 50 info@ystats.com www.twitter.com/ystats Behringstr. 28a, 22765 Hamburg Fax: +49 (0) 40 - 39 90 68 51 www.ystats.com www.facebook.com/ystats
  • 2. Global Online Payment Methods 2012 Key Findings Covering more than 50 Countries & Regions worldwide • The global mobile payment transaction volume is estimated to increase by almost three quarters in 2012, compared to 2011. • Credit cards are projected to remain the leading online payment method in the USA at least until 2016, with debit cards taking second place. • After credit cards, “Boleto” was the most preferred payment method of online shoppers in Brazil in the 12 month leading to May 2012. • In the UK in Q1 2012, the most frequently used online payment method was “Credit Cards”, followed by “Debit Cards”. • The number of digital wallets in Russia increased by more than 10% in 2011, while their transaction volume grew by almost 80% from 2010. • In China, the third party online payment market, which was dominated by Alipay, reached a trade volume of more than CNY 750 billion in Q1 2012, following a steady increase in previous quarters. Company and Product Information About our Reports Market reports by yStats.com inform top managers about recent market trends and assist with strategic company decisions A list of advantages • yStats.com provides secondary market research: By using various sources of information we ensure maximum objectivity for all obtained data. As a result companies get a precise and unbiased impression of the market situation. • The analyses, statistical reports and forecasts are only based on reliable sources including national and international statistical offices, industry and trade associations, business reports, business and company databases, journals, company registries and news portals. • Our international employees research and filter all sources and translate relevant information into English. This ensures that the content of the original studies is correctly interpreted. • yStats.com delivers all research results as PowerPoint files. All data can therefore be used directly for board presentations or be individually adapted. • If required, yStats.com provides in-depth analysis for all research projects. Simply send us a request. About yStats.com • yStats.com has been committed to research up-to-date, objective and demand-based data on markets and competitors from various industries since 2005. • Headquartered in Hamburg, Germany, the firm has a strong international focus and is specialized in secondary market research. • In addition to reports on markets and competitors, yStats.com also carries out client-specific research. • Clients include leading global enterprises from various industries including B2C E-Commerce, electronic payment systems, mail order and direct marketing, logistics as well as banking and consulting. yStats.com GmbH & Co. KG Telefon: +49 (0) 40 - 39 90 68 50 info@ystats.com www.twitter.com/ystats Behringstr. 28a, 22765 Hamburg Fax: +49 (0) 40 - 39 90 68 51 www.ystats.com www.facebook.com/ystats
  • 3. Global Online Payment Methods 2012 Table of Contents (1 of 9) 1. MANAGEMENT SUMMARY 3. NORTH AMERICA (cont.) 2. GLOBAL 3.1. USA (Top Country) (cont.) • Online Payment Trends, 2012 • Online Credit Card Payment Frustrations of Online • Payment Service Provider Market Trends, October Shoppers making Online digital Purchases under USD 25, in % of frustrated Online Shoppers, 2011 September 2011 • Mobile Payment Transaction Volume, in USD billion, • Mobile Payment Market Trends, April 2012 2011 & 2012f • Reasons for stagnant or declining Mobile Payment • Mobile Payment Users, in millions, 2009, 2011, Usage, in % of Mobile Payment Users, March 2012 2013f & 2016f • Share of Alternative Payment Methods on total • Share of Online Alternative Payments on total Online Payment Volume, in %, 2011/2012 and Online Transaction Value, by Product Category, in 2014f %, 2012 & 2015f • News about Boku, May 2012 • News about CorFire, January 2012 • News about Isis, May 2012 3. NORTH AMERICA • News about Parkmobile USA, March & May 2012 • News about PayOne, May 2012 3.1. USA (Top Country) • News about USAePay, April 2012 • News about Western Union, March 2012 • Online Payment Trends, 2011/2012 and Average Amount spent on single Online Transactions using Credit Cards and Debit Cards, in USD, 2011 3.2. Canada • Breakdown of Online Payment Methods, in % of Usage, 2010-2016f • Online and Mobile Payment Trends, 2012 (by Debit Card (Check Card), Major Credit Card, • Payment Methods of Online Shoppers, in % of Online alternative Payment (PayPal, Google, Usage, 2010 Checkout, etc.), Prepaid or Gift Card, Store- (by Credit Card, Online Payment Services) branded Credit Cards) • Share of Retailers able to process Smartphone • Preferred Mobile and Online Shopping Payment Payments, in % of total Retailers, Q1 2012 Services, in % of Usage, October 2011 • News about Paysafecard, July 2012 (by CheckFree, Credit Cards, Google Wallet (Checkout), Mazooma, Moneybookers, PayPal, • News about UseMyServices, March 2012 Wirecard) • Credit Card Online Purchase Volumes, in USD billion and in % annual Growth, 2010-2016f 4. LATIN AMERICA • Breakdown of Mobile Payment Business Models, by Feasibility, in %, 2011 4.1. Regional • Inclination to Purchase Online and additional monthly Amount Spent Online, if more secure and • Online Payment Trends, 2011 easy Alternative Payment Methods were vailable, a in %, September 2011 4.2. Brazil (Top Country) • Reasons for making more small digital Purchases under USD 25 Online, in %, September 2011 • Preferred Payment Methods in Brazil, in % of • Online Shopping Concerns of Online Shoppers Online Shoppers, 12 Months to May 2012 when making Online digital Purchases under USD (by Boleto, Cash-on-Delivery, Debit Card) 25, including Payment Concerns, in %, September 2011 • News about Cielo, April & July 2012 yStats.com GmbH & Co. KG Telefon: +49 (0) 40 - 39 90 68 50 info@ystats.com www.twitter.com/ystats Behringstr. 28a, 22765 Hamburg Fax: +49 (0) 40 - 39 90 68 51 www.ystats.com www.facebook.com/ystats
  • 4. Global Online Payment Methods 2012 Table of Contents (2 of 9) 4. LATIN AMERICA (cont.) 5. WESTERN EUROPE 4.2. Brazil (Top Country) (cont.) 5.1. Regional • News about MasterCard and Telefónica, November • Online Payment Trends, 2011/2012 2011 • Used Online Payment Methods, in % of Online • News about MoIP, April 2012 Shoppers, 2010 • News about NewNet, April 2012 (by Bank/Credit Transfer, Cash-on-Delivery, Cheque, Credit/Charge Card, Debit Card, Direct • News about PagSeguro, April 2012 Debit, Online Payment Systems, Payment by • News about Paymentez, March 2012 Mobile Phone) • News about SafetyPay and HSBC Bank Brazil, • Used Online Payment Methods, by Country, in % October 2011 of Online Shoppers, 2010 (by Bank/Credit Transfer, Cash-on-Delivery, Cheque, Credit/Charge Card, Debit Card, Direct 4.3. Argentina Debit, Online Payment Systems, Payment by Mobile Phone) • Online Payment Trends, 2012 and Share of Online • Barriers to Online Shopping, including Payment, in % of Non-Online Shoppers, 2010 Shoppers paying with Credit Cards, in %, April 2012 • Share of Consumers with high Confidence in Online Payments, in %, May 2012 • News about DineroMail and MercadoPago, 2012; including Payment Transaction Volume of MercadoPago, in USD million, 2010 & 2011 • News about Tecnofinance S.R.L., July 2012 5.2. UK (Top Country) • News about Global Collect and Sub1, February • Direct Carrier Billing Market Trends, April 2012 and 2012 Breakdown of Preferred Mobile Payment Methods, • News about Ukash, February 2012 in % of Smartphone Users, April 2012 (by Credit Card, Debit Card, Other Payment Methods) 4.4. Colombia • Used Payment Methods, in % of Online Shoppers, 2010 (by Bank/Credit Transfer, Cash-on-Delivery, • News about Redeban Multicolor, February 2012; Cheque, Credit/Charge Card, Debit Card, Direct including total Transactions made using Redeban Debit, Online Payment Systems) Multicolor’s mobile Banking, in millions, 2010 & 2011 • Breakdown of Online Payment Methods, by Frequency of Use, in %, Q1 2012 (by Credit Cards, Debit Cards, PayPal, Other Methods) 4.5. Mexico • Breakdown of Online Card Payments, by Type of Card, in %, 2010 • Online and Mobile Payment Trends, 2011/2012 (by Credit Cards, Debit Cards) • Offered Online Payment Methods, in %, 2011 • Share of Consumers having ever scanned a QR- (by Branch Deposit, Cash-on-Delivery, Credit Card, Code, in % of Consumers, 2011 Online Transfer, PayPal, Others) • News about Visa, January 2012 yStats.com GmbH & Co. KG Telefon: +49 (0) 40 - 39 90 68 50 info@ystats.com www.twitter.com/ystats Behringstr. 28a, 22765 Hamburg Fax: +49 (0) 40 - 39 90 68 51 www.ystats.com www.facebook.com/ystats
  • 5. Global Online Payment Methods 2012 Table of Contents (3 of 9) 5. WESTERN EUROPE (cont.) 5. WESTERN EUROPE (cont.) 5.3. Belgium 5.6. Italy • Online Payment Trends, 2011/2012 and Breakdown • Breakdown of Online Payment Methods, in % of of used Online Shopping Payment Methods, in % of Online Shoppers, 2011 Online Shoppers, April 2012 (by Credit Card, PayPal, Other) • Used Online Payment Methods, in % of Online • Used Online Payment Methods, in % of Online Shoppers, 2010 Shoppers, 2010 (by Bank/Credit Transfer, Cash-on-Delivery, (by Bank/Credit Transfer, Cash-on-Delivery, Cheque, Credit/Charge Card, Debit Card, Direct Cheque, Credit/Charge Card, Debit Card, Direct Debit, Online Payment Systems, Payment by Mobile Phone) Debit, Online Payment Systems, Payment by Mobile Phone) • Online Payment Methods offered by Internet Pure Players, in %, 2010 & 2011 • News about MyBank, May 2012 (by American Express, Bancontact/Mister Cash, Dexia Direct Net, Diners, IDEAL, ING Home Pay, 5.7. Luxembourg JCB, KBC/CBC Online, Maestro, PayPal, Visa and Master Card) • Used Online Payment Methods, in % of Online Shoppers, 2010 (by Bank/Credit Transfer, Cash-on-Delivery, Credit/Charge Card, Debit Card, Direct Debit, 5.4. France Online Payment Systems) • Online Payment Methods, by Popularity, in % of 5.8. Netherlands Online Shoppers, 2012f (by Bank Card, Cheque, Digital Wallet (PayP, etc.), • Breakdown of preferred Online Payment Methods Gift Voucher, Virtual Credit Card) of Online Shoppers, in %, 2010 & 2011 • Used Online Payment Methods, in % of Online (by Acceptgiro, Credit Card, Credit Transfer, Shoppers, 2010 iDEAL, One-off Direct Debit, PayPal, Others) (by Bank/Credit Transfer, Cash-on-Delivery, • Used Online Payment Methods, in % of Online Cheque, Credit/Charge Card, Debit Card, Direct Shoppers, 2010 Debit, Online Payment Systems, Payment by (by Bank/Credit Transfer, Cash-on-Delivery, Mobile Phone) Cheque, Credit/Charge Card, Debit Card, Direct Debit, Online Payment Systems, Payment by Mobile Phone) 5.5. Ireland • Accepted Online Payment Methods by Online Merchants, in %, 2010 & 2011 (by Acceptgiro, Cash-on-Delivery, Credit Card, • Online Payment Trends, 2011/2012 and Number of Credit Transfer, iDEAL, One-off Direct Debit, Online Banking Payments, in millions, 2010 & 2011 PayPal) • Used Online Payment Methods, in % of Online • Online Payment Methods used for last Online Shoppers, 2010 Purchase, in %, 2011 (by Bank/Credit Transfer, Cash-on-Delivery, (by Acceptgiro, Credit Card, Credit Transfer, iDEAL, Cheque, Credit/Charge Card, Debit Card, Direct One-off Direct Debit, PayPal) Debit, Online Payment Systems, Payment by Mobile Phone) • Breakdown of preferred Mobile Payment Methods of Mobile Shoppers, in % of Mobile Shoppers, 2011 (by Acceptgiro, Credit Card, iDEAL, Other) yStats.com GmbH & Co. KG Telefon: +49 (0) 40 - 39 90 68 50 info@ystats.com www.twitter.com/ystats Behringstr. 28a, 22765 Hamburg Fax: +49 (0) 40 - 39 90 68 51 www.ystats.com www.facebook.com/ystats
  • 6. Global Online Payment Methods 2012 Table of Contents (4 of 9) 5. WESTERN EUROPE (cont.) 6. CENTRAL EUROPE (cont.) 5.9. Portugal 6.1. Germany (cont.) • Used Online Payment Methods, in % of Online • Breakdown of preferred Payment Methods of Shoppers, 2010 Online Shoppers, in %, January 2011 & January (by Bank/Credit Transfer, Cash-on-Delivery, 2012 Cheque, Credit/Charge Card, Debit Card, Direct (by Credit Card, Invoice, Online Payment, Debit, Online Payment Systems, Payment by Prepayment, Other) Mobile Phone) • Breakdown of Trust in Online Payment Methods, compared to regular Payment Methods, in % of 5.10. Spain Consumers, Q1 2012 • Reasons for choosing an Online Payment Method, • Preferred Online Payment Methods, in % of in % of Individuals, Q1 2012 Internet Users, 2011 • Breakdown of preferred Payment Methods in (by Bank Transfer, Cash-on-Delivery, Credit Card, Interactive Trade, in % of Interactive Trade Payment Platforms (e.g. PayPal, Moneybookers, Shoppers, 2010 & 2011 Click & Buy)) (by Cash-on-Delivery, Credit Card, Digital Payment • Used Online Payment Methods, in % of Online Methods, Direct Debit, Hire-Purchase, Invoice, Shoppers, 2010 Others) (by Bank/Credit Transfer, Cash-on-Delivery, Cheque, Credit/Charge Card, Debit Card, Direct • News about eBay Payment, June 2012 Debit, Online Payment Systems, Payment by • News about Otto and Yapital, March 2012 Mobile Phone) • Breakdown of main Concerns regarding Online Shopping, including Online Payments, in % of 6.2. Austria Internet Users, May 2012 • News about PayPal, March 2012 • Online Payment Trends, 2011/2012 and Online Payment Methods by Popularity, in % of Online • News about Telefonica Digital, July 2012 Shoppers, 2006/2007 & 2010/2011 (by Bank Transfer, Cash-on-Delivery, Credit Card, PayPal, Other Payment Methods) 6. CENTRAL EUROPE • Used Online Payment Methods, in % of Online Shoppers, 2010 6.1. Germany (Top Country) (by Bank/Credit Transfer, Cash-on-Delivery, Cheque, Credit/Charge Card, Debit Card, Direct • Online Payment Trends, 2011/2012 Debit, Online Payment Systems, Payment by • Direct Carrier Billing Market Trends, April 2012 and Mobile Phone) Breakdown of preferred Mobile Payment Methods, • News about Klarna, July 2012 in % of Smartphone Users, April 2012 (by Credit Card, Debit Card, Other Payment Methods) 6.3. Switzerland • Used Online Payment Methods, in % of Online Shoppers, 2010 • Breakdown of preferred Payment Methods in (by Bank/Credit Transfer, Cash-on-Delivery, Interactive Trade, in % of Companies, 2010 & 2011 Cheque, Credit/Charge Card, Debit Card, Direct (by Credit Card, Debit Card, Invoice, Prepayment/ Debit, Online Payment Systems, Payment by Cash-on-Delivery) Mobile Phone) yStats.com GmbH & Co. KG Telefon: +49 (0) 40 - 39 90 68 50 info@ystats.com www.twitter.com/ystats Behringstr. 28a, 22765 Hamburg Fax: +49 (0) 40 - 39 90 68 51 www.ystats.com www.facebook.com/ystats
  • 7. Global Online Payment Methods 2012 Table of Contents (5 of 9) 7. EASTERN EUROPE 7. EASTERN EUROPE (cont.) 7.1. Russia (Top Country) 7.3. Cyprus • Online Payment Trends, 2011 • Used Online Payment Methods, in % of Online • Most popular national and international Electronic Shoppers, 2010 Payment Systems, 2011 (by Bank/Credit Transfer, Cash-on-Delivery, Cheque, Credit/Charge Card, Debit Card, Direct • Awareness and Usage of Payment Methods, in %, Debit, Online Payment Systems) March 2012 (by Bank Cards, E-Money, Internet Banking, Offline Terminals, SMS Payments) 7.4. Czech Republic • E-Money Trends, 2011/2012 • Number of digital Wallets, in millions, 2009-2011f • Used Online Payment Methods, in % of Online and total digital Wallet Transaction Volume, in RUB Shoppers, 2010 billion, 2009-2012f (by Bank/Credit Transfer, Cash-on-Delivery, • E-Money Usage, by Category, in % of E-Money Cheque, Credit/Charge Card, Debit Card, Direct Users in Urban Areas, March 2012 Debit, Online Payment Systems, Payment by • E-Money Service Awareness, in % of Consumers in Mobile Phone) Urban Areas, March 2012 • Mobile Payment Trends, 2011 (by Money@Mail.ru, PayPal, QIWI Wallet, WebMoney, Yandex.Money) • E-Money Service Usage, in % of Consumers in 7.5. Estonia Urban Areas, March 2012 (by Money@Mail.ru, PayPal, QIWI Wallet, • Online Payment Trends, Q1 2012 WebMoney, Yandex.Money) • Used Online Payment Methods, in % of Online • News about PayPal, August 2011 Shoppers, 2010 • News about VimpelCom and Alfa-Bank, June 2011 (by Bank/Credit Transfer, Cash-on-Delivery, • News about Yandex.Money and Earthport, July Cheque, Credit/Charge Card, Debit Card, Direct 2012 Debit, Online Payment Systems, Payment by Mobile Phone) • Breakdown of most popular non-Card Payment Methods, in % of Individuals, Q1 2012 • Growth in Number of Transfers of non-Card 7.2. Bulgaria Payment Methods, in % Growth, 2012 vs. 2007 • Used Online Payment Methods, in % of Online Shoppers, 2010 (by Bank/Credit Transfer, Cash-on-Delivery, 7.6. Greece Cheque, Credit/Charge Card, Debit Card, Direct Debit, Online Payment Systems, Payment by • Used Online Payment Methods, in % of Online Mobile Phone) Shoppers, 2010 • Share of Internet using Cardholders paying Bills or (by Bank/Credit Transfer, Cash-on-Delivery, making Purchases Online, in % of Cardholders Credit/Charge Card, Debit Card, Direct using the Internet, Q1 2012 Debit, Online Payment Systems, Payment by Mobile Phone) yStats.com GmbH & Co. KG Telefon: +49 (0) 40 - 39 90 68 50 info@ystats.com www.twitter.com/ystats Behringstr. 28a, 22765 Hamburg Fax: +49 (0) 40 - 39 90 68 51 www.ystats.com www.facebook.com/ystats
  • 8. Global Online Payment Methods 2012 Table of Contents (6 of 9) 7. EASTERN EUROPE (cont.) 7. EASTERN EUROPE (cont.) 7.7. Hungary 7.11. Poland • Used Online Payment Methods, in % of Online • Online Payment Methods by Popularity, in %, 2011 Shoppers, 2010 (by Bank Transfer – On the Basis of an Invoice, (by Bank/Credit Transfer, Cash-on-Delivery, Bank Transfer - Prepayment, Cash-on-Delivery, Cheque, Credit/Charge Card, Debit Card, Direct Credit Card/E-Card, Payment System (for Example DotPay, PayPal), I Don’t Know/ Hard to Debit, Online Payment Systems, Payment by Tell, Other) Mobile Phone) • Used Online Payment Methods, in % of Online • News about PayU, July 2011 Shoppers, 2010 (by Bank/Credit Transfer, Cash-on-Delivery, Credit/Charge Card, Debit Card, Direct Debit, Online Payment Systems, Payment by 7.8. Latvia Mobile Phone) • Availability of Payment Methods in Online Shops, • Used Online Payment Methods, in % of Online in %, 2008-2010 Shoppers, 2010 (by Bank Transfer, Credit Card Payment, Micropay (by Bank/Credit Transfer, Cash-on-Delivery, ments per SMS, Payment in Installments, Payment Cheque, Credit/Charge Card, Debit Card, Direct upon Receipt, Quick Internet Transfer, Other) Debit, Online Payment Systems, Payment by • Payment Methods in Online Shops, by Popularity, Mobile Phone) in %, 2009 & 2010 (by Bank Transfer, Credit Card Payment, Micropayments per SMS, Payment in Installments, Payment upon Receipt, Quick Internet Transfer, Other) • Online Payment Cooperation Partners of Online 7.9. Lithuania Shops, in %, 2008-2010 (by DialCom24 Sp. z o.o., Did not cooperate with • Used Online Payment Methods, in % of Online any Company, Dotpay S.A., eCard S.A., First Data Shoppers, 2010 Polska S.A., PayPal Polska Sp. z o.o., PayU S.A., Other) (by Bank/Credit Transfer, Cash-on-Delivery, Credit/Charge Card, Debit Card, Direct Debit, Online Payment Systems, Payment by 7.12. Romania Mobile Phone) • Online Payment Trends, 2011/2012 and Online Payment Volume, in EUR million, Q1-Q3 2010 & Q1-Q3 2011 7.10. Malta • Used Online Payment Methods, in % of Online Shoppers, 2010 • Used Online Payment Methods, in % of Online (by Bank/Credit Transfer, Cash-on-Delivery, Shoppers, 2010 Credit/Charge Card, Debit Card, Direct (by Bank/Credit Transfer, Cash-on-Delivery, Debit, Online Payment Systems, Payment by Credit/Charge Card, Debit Card, Direct Mobile Phone) Debit, Online Payment Systems) • Online Payment Methods, by Popularity, in % of Internet Users in Urban Areas, 2011 (by Cash-on-Delivery, Credit Card) yStats.com GmbH & Co. KG Telefon: +49 (0) 40 - 39 90 68 50 info@ystats.com www.twitter.com/ystats Behringstr. 28a, 22765 Hamburg Fax: +49 (0) 40 - 39 90 68 51 www.ystats.com www.facebook.com/ystats
  • 9. Global Online Payment Methods 2012 Table of Contents (7 of 9) 7. EASTERN EUROPE (cont.) 8. SCANDINAVIA 7.13. Slovakia 8.1. Denmark • Used Online Payment Methods, in % of Online • Online Payment Trends, 2011 and Average Amount Shoppers, 2010 spent Online via Dankort, in DKK, 2010 & 2011 (by Bank/Credit Transfer, Cash-on-Delivery, • Breakdown of Online Payment Methods, in % of Cheque, Credit/Charge Card, Debit Card, Direct Online Shoppers, 2011 Debit, Online Payment Systems, Payment by (by Credit Card/Dankort, Direct Payment via my Mobile Phone) Bank, Invoice, PayPal or similar) • News about TrustPay, July 2012 • Used Online Payment Methods, in % of Online • News about Adyen and TrustPay, July 2012 Shoppers, 2010 • News about UniCredit and Gemalto, July 2011 (by Bank/Credit Transfer, Cash-on-Delivery, Cheque, Credit/Charge Card, Debit Card, Direct Debit, Online Payment Systems, Payment by Mobile Phone) 7.14. Slovenia • News about Ukash, February 2012 • Used Online Payment Methods, in % of Online Shoppers, 2010 8.2. Finland (by Bank/Credit Transfer, Cash-on-Delivery, Cheque, Credit/Charge Card, Debit Card, Direct Debit, Online Payment Systems, Payment by • Breakdown of Online Payment Methods, in % of Mobile Phone) Online Shoppers, 2011 (by Credit Card/Dankort, Direct Payment via my Bank, Invoice (after Delivery), PayPal or similar, Others) 7.15. Turkey • Used Online Payment Methods of Online Shoppers, in %, 2010 • Mobile Banking and Payment Market Trends, (by Bank/Credit Transfer, Cash-on-Delivery, December 2011 Credit/Charge Card, Debit Card, Direct Debit, On line Payment Systems, Payment by Mobile • Total Number of E-Commerce Transactions made Phone) with Domestic Cards, in millions, 2007-2011 and Volume of E-Commerce Transactions made with Domestic Cards, in TRY billion, 2007-2011 • News about Express Digital Wallet, June 2012 8.3. Norway • News about Paysafecard, June 2012 • Breakdown of Online Payment Methods, in % of Online Shoppers, 2011 7.16. Ukraine (by Credit Card/Dankort, Direct Payment via my Bank, Invoice (after Delivery), PayPal or similar) • News about Global Money, June 2012 yStats.com GmbH & Co. KG Telefon: +49 (0) 40 - 39 90 68 50 info@ystats.com www.twitter.com/ystats Behringstr. 28a, 22765 Hamburg Fax: +49 (0) 40 - 39 90 68 51 www.ystats.com www.facebook.com/ystats
  • 10. Global Online Payment Methods 2012 Table of Contents (8 of 9) 8. SCANDINAVIA (cont.) 9. ASIA-PACIFIC (cont.) 8.4. Sweden 9.2. China (cont.) • Breakdown of Online Payment Methods, in % of • Breakdown of Online Payment Safety Issues, in % Online Shoppers, 2011 of affected Users, 2011 (by Credit Card, Direct Payment via my Bank, • Breakdown of Customer Loyalty after Encountering Invoice (after Delivery), PayPal or similar, Others) Safety Issues, by Payment Provider, in % of • Used Payment Methods, in % of Online Shoppers, affected Users, 2011 2010 • Mobile Payment Trade Volume, in CNY billion and in (by Bank/Credit Transfer, Cash-on-Delivery, % annual Growth, 2010-2014f Credit/Charge Card, Debit Card, Direct Debit, Online Payment Systems, Payment by Mobile • Number of Mobile Payment Users, in millions and in Phone) % annual Growth, 2010-2014f • Mobile Payment Trends, 2011/2012 • News about Alipay and Computop, July 2012 • News about PayPal, March 2012 • News about China UnionPay, February, May & June 2012 9. ASIA-PACIFIC 9.1. Regional 9.3. India • Online Payment Trends, 2012 • Online Payment Trends, 2011/2012 9.2. China (Top Country) 9.4. Japan • Third Party Online Payment Trade Volume, in CNY • Online Payment Trends, 2011/2012 and Amount of billion and in % annual Growth, Q1 2011- Q1 2012 Money issued by Plastic Prepaid Cards, in JPY • Breakdown of Third Party Online Payment Market, billion, 2010 & 2011 by Registered Users, in %, Q1 2012 • Value of the Electronic Payment Market, in JPY (by 99Bill, Alipay, ChinaBank Payment, IPS, trillion and in % annual Growth, 2011-2016f PayEase, Tenpay, Yeepay, Others) • News about DataCash, April 2012 • Breakdown of Third Party Online Payment Market, • News about PayPal, May 2012 by Trade Volume, in %, Q1 2012 (by 99Bill, Alipay, ChinaBank, China PNR, China UnionPay, IPS, PayEase, Tenpay, YeePay, Others) • Breakdown of Online Payment Users, by Gender, in % of Users, 2011 • Breakdown of Online Payment Users, by Age Group, in % of Online Payment Users, 2011 9.5. Malaysia • Share of Online Payment Users, in % of total • Online Payment Trends, 2011/2012 Internet Users, 2011 and Breakdown of Reasons against Online Payments, in %, 2011 • News about PayPal and Malaysia Airlines, July 2012 • Main Online Payment Safety Concerns, in %, 2011 yStats.com GmbH & Co. KG Telefon: +49 (0) 40 - 39 90 68 50 info@ystats.com www.twitter.com/ystats Behringstr. 28a, 22765 Hamburg Fax: +49 (0) 40 - 39 90 68 51 www.ystats.com www.facebook.com/ystats
  • 11. Global Online Payment Methods 2012 Table of Contents (9 of 9) 9. ASIA-PACIFIC (cont.) 10. MIDDLE EAST & AFRICA 9.6. South Korea 10.1. Middle East Regional • Payment Methods in B2C E-Commerce, in %, Q2 • Online Payment Trends, 2011/2012 and Reasons 2010, Q1 2011 & Q2 2011 against Online Shopping, including Payment, in %, (by Credit Cards, E-Money, Money Transfers, 2011 Others) • News about PayPal, June 2012 • News about Won Corporation, July 2012 10.2. UAE • Online Payment Methods, by Popularity, in % of 9.7. Vietnam Online Shoppers using Credit and Debit Cards, July 2011 • News about BPC Banking Technologies and Ocean (by Mastercard, Third-Party Payment Sites (eg Pay Bank, October 2011 Pal), Visa) • News about OnePay, June 2011 & February 2012 10.3. Africa Regional • Mobile Payment Trends, 2012 9.8. Australia 10.4. Botswana • Online Payment Trends, 2011/2012 • Online Payment Trends, 2012 • Breakdown of Online Shopping Payment Methods, in % of Online Shoppers, June 2011 (by Both Credit Card and Money Transfer Services, 10.5. Nigeria Credit Card only, Money Transfer Services only (e.g. PayPal), Neither) • Breakdown of Online Payment Methods, in % of • Online Payment Methods, by Popularity, in % of Internet Users, 2010 Inhabitants, 2011 (by ATM, Mastercard, Visa, All) (by Credit Card, Debit Card, Direct Debit/Transfer, PayPal) 10.6. South Africa • News about MasterCard Mobile, April 2012 • News about PayU, July 2012 yStats.com GmbH & Co. KG Telefon: +49 (0) 40 - 39 90 68 50 info@ystats.com www.twitter.com/ystats Behringstr. 28a, 22765 Hamburg Fax: +49 (0) 40 - 39 90 68 51 www.ystats.com www.facebook.com/ystats
  • 12. Global Online Payment Methods 2012 Samples RESEARCH ON INTERNATIONAL MARKETS We deliver the facts – you make the decisions In July 2012, online prepaid payment expert Paysafecard expanded into the Canadian market, offering prepaid payment solutions. Canada: News about Paysafecard, July 2012  In July 2012, Austrian and German online prepaid payment expert Paysafecard expanded into the Canadian market. Since its establishment in 2000, the company already serviced 31 markets as of July 2012 and has become the leading prepaid payment provider in Europe.  Paysafecard enables purchases of online prepaid vouchers, which can be used as online currency. The service does not charge transaction fees to clients.  Vouchers can be acquired at distribution partners of Paysafecard, such as retail outlets.  The company hoped to trigger an expansion of the Canadian E-Commerce market, by providing safe payment solutions, thus reacting to customers’ security concerns.  Moreover, Paysafecard is a suitable payment method for micro transactions, which will increase as the Canadian online gaming market becomes increasingly monetized. Source: Paysafecard, July 2012 54 RESEARCH ON INTERNATIONAL MARKETS We deliver the facts – you make the decisions In Mexico, “Credit Card” (68%) was the most offered online payment method in 2011, followed by “Online Transfer” (29%). Mexico: Offered Online Payment Methods, in %, 2011 (by Branch Deposit, Cash-on-Delivery, Credit Card, Online Transfer, PayPal, Others) Credit Card 68% Online Transfer 29% Branch Deposit 27% PayPal 18% Cash-on-Delivery 14% Others 13% 0% 20% 40% 60% 80% 100% Note: based on a survey of 80 online retailers Source: AMIPCI, 2012 73 yStats.com GmbH & Co. KG Telefon: +49 (0) 40 - 39 90 68 50 info@ystats.com www.twitter.com/ystats Behringstr. 28a, 22765 Hamburg Fax: +49 (0) 40 - 39 90 68 51 www.ystats.com www.facebook.com/ystats
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This the report and the fee due. In this respect, our customers may chose between two types of is also true in cases of subsequent changes made by the customers or third parties unless Products, namely (i) our Product “Market Reports” and (ii) our Product “Full Access Global such changes do not affect the analysis and removal of a given defect. E-Commerce Reports”. 6.4 Claims for defects as to quality expire within one year from the commencement of the legal 2.3 a customer orders our Product “Market Reports”, the customer gets access to the ordered If statute of limitation. This limitation does not apply to the extent that applicable law stipu- report as identified in the Report Order Form and the customer may use that report in accor- lates a longer period in cases of intentional or grossly negligent breaches of duty on the part dance with Section 4.3 below and the other provisions of the Contract. of us, fraudulent concealment of a defect and injuries to life, body and health. 2.4 a customer orders our Product “Full Access Global E-Commerce Reports”, the customer If 6.5 Claims for damages and the reimbursement of expenditures are further subject to Section 8. gets access to any standard reports (for the avoidance of doubt excluding reports published 7. LEGAL DEFECTS in connection with any research services) focussed on the “Internet E-Commerce” industry 7.1 e are liable for products and services infringing on third-party rights only if and to the W as generally published by us during the twelve (12) months prior to the execution of the extent that our products and services are used in accordance with the agreed contractual Contract and during the subscription term as identified in the “Report Order Form” as of the requirements. date of the execution of the Contract (i.e. one, two or three years), and the customer may 7.2 Unless agreed otherwise, our liability for the infringement on third-party rights is limited to use those reports as a “Global Site License” in accordance with Section 4.3 below and the the territory of the European Union and the European Economic Area as well as the place of other provisions of the Contract. its services’ proper use as agreed under the applicable Order. 2.5 Unless expressly agreed otherwise in writing, the contents of our offers may not be made 7.3 the event that a third party asserts claims against the customer, alleging that a service In available in whole or in part to any third party outside the organization of the customer performed by us violates its rights, the customer shall promptly notify us. If a service without our prior written consent. rendered by us violates thirdparty rights, we shall choose one of the below actions, duly 2.6 ur offers are not binding and subject to change without notice until acceptance by the O taking into consideration the customer’s interests: customer. Our orders will become legally binding upon acceptance by the customer. A valid a) procuring for the customer the right to use the service; acceptance requires the execution of our “Research Order Form” or our “Report Order Form” b) revising the service to render it free of legal violations; or respectively (each such document hereinafter the “Order Form”) by a duly authorized repre- c) ithdrawing the service and refunding to the customer any related compensation paid, w sentative of the customer and the submission of the Order Form to us via facsimile or email as adjusted by an adequate user fee, if we cannot effect another remedy at a reasonable with pdf-attachment. We will provide the customer with the access data required to access expense. the ordered Product(s) with two (2) days as of the execution of the Contract. 7.4 Upon our request, the Customer shall assist us with the defense against claims according to 3. TERMS OF PAYMENT this section 7, with us reimbursing the Customer for any expenditures and costs incurred as 3.1 he contractually negotiated prices are to be derived exclusively from the Order Form and/or T a result, although each of the Parties bears the costs of the use of its own personnel. the documents referenced therein. 7.5 Claims the Customer may hold for legal defects expire in accordance with Section 6.4. 3.2 prices are net and without transportation costs, if applicable. Value Added Tax, if applica- All 7.6 Claims for damages and the reimbursement of expenditures are further subject to Section 8. ble, at the statutory rate shall be added to all fees payable hereunder. 8. LIABILITY 3.3 e may demand an additional fee for services that go beyond the scope as agreed under the W 8.1 cases of intentional misconduct and gross negligence, we are fully liable pursuant to In Order Form in case such additional Products are requested by the customer. applicable law. 3.4 e will send our invoice to the customer upon execution of the Contract, unless agreed W 8.2 ur liability in cases of simple negligence is limited as follows: we are liable only if and to O otherwise in the Order Form. In the event that the customer orders our Product “Full Access the extent that we violated a material contractual obligation (cardinal obligation) – i.e., an Global E-Commerce Reports”, we will send our invoice for the first contract year upon exe- obligation that (i) the Customer reasonably relied upon at execution of the applicable Order cution of the Contract and the invoice(s) for any subsequent contract year(s), if any, upon Form and (ii) was of critical significance to the outcome of performance. As regards property commencement of any subsequent contract year. damage and financial loss, such liability is limited to typical and foreseeable damages; in no 3.5 payments shall be due and payable within thirty (30) days following the date of our All event will we be liable for any incidental, special, punitive or consequential damages, loss of invoice without any deductions. The customer will be in default one day after the expiry date profits or loss of data in such case. without any further warning notice being required. 8.3 ur liability for damages under warranties (Beschaffenheitsgarantien) is limited to instances O 3.6 customers‘ rights of retention or set-off are hereby excluded to the extent that they are All in which the warranty expressly includes such liability. not based on the same contractual relationship. Retentions or set-offs are allowed only if the 8.4 Claims for the reimbursement of expenditures and other liability claims asserted by the customer‘s claim is nondisputed or has become unappeasable. Customer against us are subject to sections 8.1 through 8.3. 3.7 the event of a customer‘s default in payment or other apparent credit unworthiness, all In 9. CONFIDENTIALITY remaining claims against that customer shall become immediately due and payable in full. 9.1 he Parties shall hold in strict confidence for an indefinite period of time all data and T We shall then be entitled to rescind payment terms previously agreed upon and to demand information materials of which they gain knowledge as part of a Contract, be it orally, in payment in advance or other appropriate security with respect to pending deliveries. A writing or otherwise, directly or indirectly, provided that such data or information materials customer shall be deemed unworthy of credit in particular when he files a petition in ban- are designated confidential or must be considered confidential based on their nature, and kruptcy or composition proceedings. shall use them exclusively as part of the services covered by the relevant Order. This duty of 4. INTELLECTUAL PROPERTY RIGHTS AND INDEMNITIES confidentiality excludes data and information materials that: 4.1 copyrights and other intellectual property rights in connection with our Products remain All a) were already known or accessible to any third party at the time of disclosure; with us. All data carriers remain our property. The customer may not modify, publish, trans- b) ne of the parties legitimately receives from a third party following disclosure, and such o mit, transfer or sell, reproduce, create derivative works from, distribute, perform, display, or third party is not bound by a duty of confidentiality in relations with the other Party; in any way exploit any of the Products made available by us, in whole or in part, except as c) ust be disclosed by order of and to a government agency or another competent third m expressly permitted under the Contract. party; and 4.2 Upon delivery of the Products to the customer and payment of the agreed fee, the customer d) ust be disclosed to legal or tax advisors of the contractual customer in question for m obtains a non-exclusive, non-transferable, perpetual, worldwide right to use the Products consulting purposes. provided to the customer for its internal purposes or any additional purposes set out in the the cases of Sections c) and d), the parties shall (i) promptly inform each other about a In Order Form. A right to resell our Products requires our prior written approval. given request and prior to disclosing confidential information, and (ii) limit the disclosure of 4.3 n the event that the parties agree on a “Single User License” under the Order Form, this I confidential information to the minimum required. means that only one individually named user of an organization shall be entitled to access 9.2 e may use the Customer as a reference so long as no contractual details are divulged. W the report. In the event that the parties agree on a “Site License” under the Order Form, this 10. JURISDICTION, GOVERNING LAW, MISCELLANEOUS means that all users within a given geographical location (as specified in the Order Form) 10.1 lace of payment is Hamburg, Germany. P of an organization shall be entitled to access the report. In the event that the parties agree 10.2 ll disputes arising from or in connection with any Contract between the parties shall be A on a “Global Site License”, this means that all worldwide users of an organization shall be resolved through the courts of Hamburg. Governing law is German law. yStats.com GmbH Co. KG Telefon: +49 (0) 40 - 39 90 68 50 info@ystats.com www.twitter.com/ystats Behringstr. 28a, 22765 Hamburg Fax: +49 (0) 40 - 39 90 68 51 www.ystats.com www.facebook.com/ystats