Safety, Convenience and Choice:
The True Value of Cards
Research on the value and cost of cards in today’s dynamic and vibrant payments ecosystem. Based on a survey of merchants and consumers in Europe.
True Value European Report 2025
In 2025 we unveiled our latest research on the European payments landscape. The data reveals a well-functioning, dynamic and vibrant industry, shaped by competition, innovation, and evolving merchant and consumer preference. This report is based on a data collected from 13,000 consumers and 3,750+ merchants across 15 European countries.
True Value Country Reports
Payments Europe is committed to research and an evidence-based discussion on payments to promote and inform policymaking in Europe.
Payment Europe regularly conducts research on merchant and consumer sentiment and preference across the region. Local data has been extracted in individual country reports.
True Value European Report 2023
