The European payments landscape has experienced a profound transformation in recent years driven by technological innovation, consumer demand and regulatory developments. Most consumers and businesses now have access to multiple payment methods, but card-based payments are often the preferred choice due to the great value it brings. Card-based payment solutions come in many forms including plastic cards, online payments and mobile applications. Payments Europe supports a vibrant, innovative, and competitive European payments market, that is based on a balanced regulatory framework and puts consumers and consumer protection at the centre.