Merchant Acquiring: Western Europe - A Lafferty Research Report - 2013/2014 edition

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Jul 07, 2014, 10:24 ET

LONDON, July 7, 2014 /PRNewswire/ -- Reportbuyer.com has added a new market research report:

Merchant Acquiring: Western Europe - A Lafferty Research Report - 2013/2014 edition

http://www.reportbuyer.com/banking_finance/debit_credit_cards/merchant_acquiring_western_europe_lafferty_research_report_2013_2014_edition.html

A new series of Lafferty business research reports describes and analyses these changes and builds up a comprehensive picture of merchant acquiring across all the main global regions, including:

• Western Europe
• Eastern Europe
• Asia-Pacific
• Middle East and Africa
• Latin America
• North America

Examining key issues such as consolidations, acquisitions and alliances, Lafferty's Merchant Acquiring series will help you to review your current strategies in a rapidly evolving market, benchmark your activities against your peers – nationally and internationally – and enable you to prepare for the future with confidence.

We look at how merchant acquiring and card processing has long moved out of the purely domestic realm and is now a fully-fledged international business; indeed acquiring and processing are emerging more and more as separate businesses, albeit closely linked for historical reasons.

Merchant acquirers are grappling with the reality of reduced margins with merchant service charges (MSCs) under pressure as the credit card merchant profile grows ever wider beyond the traditional core travel and entertainment sectors to encompass more aggressive, price conscious operators. This has been exacerbated, meanwhile, by the rise of debit in the product mix and its habitually lower MSCs.

The response on the acquiring side has been growing specialisation and consolidation in the search for cost and other operational advantages. The same applies to the cards processing industry which increasingly recognises the value of scale and the necessity of 'best in class' IT systems. Yet, given the vast potential of developing markets as card penetration levels rise relentlessly, we assess why there is much to be optimistic about in this 'guaranteed growth' business.

This landmark series of reports places these industry developments in regional and global context, with expert commentary and insight from the Lafferty Group research team complemented by data from the company's unrivalled global cards database World Cards Intelligence.
Introduction
Consolidation and joint ventures
Graph 1: Western Europe: top 10 merchant acquirers
Merchant service charges (MSC)
Graph 2: Western Europe: credit card merchant service charges
Graph 3: Western Europe: credit card income from merchant service charges
Graph 4: Western Europe: credit card income from merchant service charges - 2012
Graph 5: Western Europe: income from merchant service charges - 2012
Billed volume
Graph 6: Western Europe: POS credit card billed volume
Contactless payments 17
Austria 18 Card Holdings per 100 Adults (2002-2013F) 19
Cards Numbers by Type (2002-2013F) 19
Credit Card Metrics (2002-2013F) 19
Debit Card Metrics (2002-2013F) 20
Cards Market Overview 21
Merchant Acquirer Credit Card Market Share (2011E) 23
Merchant Service Charges (2003-2012F) 23
Acquiring Overview 24
Credit Card Issuer/Issuing Processor Relationships 26
Credit Card Acquirer/Acquiring Processor Relationships 26
Credit Card Issuing Processor Market Shares by Card Numbers (2011) 26
Credit Card Acquiring Processor Market Shares by Number of POS Transactions (2011) 26
Processing Overview 27
Belgium 29 Card Holdings per 100 Adults (2005-2013F) 30
Credit Card Metrics (2005-2013F) 30
Debit Card Metrics (2005-2013F) 31
Cards Market Overview 32
Merchant Acquirer Credit Card Market Share (2010) 38
Merchant Service Charges (2005-2013F) 38
Acquiring Overview 39
Credit Card Issuer/Issuing Processor Relationships 41
Credit Card Acquirer/Acquiring Processor Relationships 41
Credit Card Issuing Processor Market Shares by Card Numbers (2010) 41
Credit Card Acquiring Processor Market Shares by Number of POS Transactions (2010) 41
Processing Overview 42
Denmark 43 Card Holdings per 100 Adults (2005-2014F) 44
Credit Card Metrics (2005-2014F) 44
Debit Card Metrics (2005-2014F) 45
Cards Market Overview 46
Merchant Acquirer Payment Card Market Share (2012) 51
Credit Card Merchant Service Charges (2005-2014F) 51
Debit Card Merchant Service Charges (2005-2014F) 51
Acquiring Overview 52
Credit Card Issuer/Issuing Processor Relationships 56
Credit Card Acquirer/Acquiring Processor Relationships 56
Credit Card Issuing Processor Market Shares by Card Numbers (2012) 56
Credit Card Acquiring Processor Market Shares by Number of POS Transactions (2012) 56
Processing Overview 57
Finland 58 Card Holdings per 100 Adults (2005-2014F) 59
Credit Card Metrics (2005-2014F) 59
Debit Card Metrics (2005-2014F) 60
Cards Market Overview 61
Merchant Acquirer Payment Card Market Share (2012E) 64
Merchant Service Charges (2005-2014F) 64
Debit Card Merchant Service Charges (2010-2014F) 64
Acquiring Overview 65
Credit Card Issuer/Issuing Processor Relationships 67
Credit Card Acquirer/Acquiring Processor Relationships 67
Credit Card Issuing Processor Market Shares by Card Numbers (2012E) 67
Credit Card Acquiring Processor Market Shares by Number of POS Transactions (2012E) 67
Processing Overview 68
France 69 Card Holdings per 100 Adults (2005-2013F) 70
Credit Card Metrics (2005-2013F) 70
Debit Card Metrics (2005-2013F) 71
Cards Market Overview 72
Merchant Acquirer Credit Card Market Share (2011E) 75
Merchant Service Charges (2005-2013F) 75
Acquiring Overview 76
Credit Card Issuer/Issuing Processor Relationships 78
Credit Card Acquirer/Acquiring Processor Relationships 78
Credit Card Issuing Processor Market Shares by Card Numbers (2011E) 78
Credit Card Acquiring Processor Market Shares by Number of POS Transactions (2011E) 78
Processing Overview 79
Germany 80 Card Holdings per 100 Adults (2002-2013F) 81
Credit Card Metrics (2005-2013F) 81
Debit Card Metrics (2005-2013F) 82
Cards Market Overview 83
Merchant Acquirer Credit Card Market Share (2011) 86
Merchant Service Charges (2005-2013F) 86
Acquiring Overview 87
Credit Card Issuer/Issuing Processor Relationships 91
Credit Card Acquirer/Acquiring Processor Relationships 91
Credit Card Issuing Processor Market Shares by Card Numbers (2011) 91
Credit Card Acquiring Processor Market Shares by Number of POS Transactions (2011) 91
Processing Overview 92
Greece 95 Card Holdings per 100 Adults (2005-2014F) 96
Credit Card Metrics (2005-2014F) 96
Debit Card Metrics (2005-2014F) 97
Cards Market Overview 98
Merchant Acquirer Payment Card Market Share (2012E) 102
Credit Card Merchant Service Charges (2005-2014F) 102
Debit Card Merchant Service Charges (2005-2014F) 102
Acquiring Overview 103
Credit Card Issuer/Issuing Processor Relationships 105
Credit Card Acquirer/Acquiring Processor Relationships 105
Credit Card Issuing Processor Market Shares by Card Numbers (2012E) 105
Credit Card Acquiring Processor Market Shares by Number of POS Transactions (2012E) 106
Processing Overview 107
Ireland 109 Card Holdings per 100 Adults (2005-2013F) 110
Credit Card Metrics (2005-2013F) 110
Debit Card Metrics (2005-2013F) 111
Cards Market Overview 112
Merchant Acquirer Credit Card Market Share (2011) 120
Merchant Service Charges (2005-2013F) 120
Acquiring Overview 121
Credit Card Issuer/Issuing Processor Relationships 124
Credit Card Acquirer/Acquiring Processor Relationships 124
Credit Card Issuing Processor Market Shares by Card Numbers (2011) 124
Credit Card Acquiring Processor Market Shares by Number of POS Transactions (2011) 124
Processing Overview 125
Italy 126 Card Holdings per 100 Adults (2005-2013F) 127
Credit Card Metrics (2005-2013F) 127
Debit Card Metrics (2005-2013F) 128
Cards Market Overview 129
Merchant Acquirer Payment Card Market Share (2013E) 132
Merchant Service Charges (2005-2013F) 132
Credit Card Merchant Service Charges (2005-2015F) 132
Debit Card Merchant Service Charges (2005-2015F) 132
Acquiring Overview 133
Credit Card Issuer/Issuing Processor Relationships 135
Credit Card Acquirer/Acquiring Processor Relationships 135
Credit Card Issuing Processor Market Shares by Card Numbers (2013E) 135
Credit Card Acquiring Processor Market Shares by Number of POS Transactions (2013E) 135
Processing Overview 136
Netherlands 137 Card Holdings per 100 Adults (2005-2015F) 138
Credit Card Metrics (2005-2015F) 138
Debit Card Metrics (2005-2015F) 139
Cards Market Overview 140
Merchant Acquirer Credit Card Market Share (2013E) 143
Credit Card Merchant Service Charges (2005-2015F) 143
Merchant Acquirer Debit Card Market Share (2013E) 143
Debit Card Merchant Service Charges (2003-2015F) 143
Acquiring Overview 144
Credit Card Issuer/Issuing Processor Relationships 145
Credit Card Acquirer/Acquiring Processor Relationships 145
Credit Card Issuing Processor Market Shares by Card Numbers (2013E) 145
Credit Card Acquiring Processor Market Shares by Number of POS Transactions (2013E) 145
Processing Overview 146
Norway 148 Card Holdings per 100 Adults (2005-2014F) 149
Credit Card Metrics (2005-2014F) 149
Debit Card Metrics (2005-2014F) 150
Cards Market Overview 151
Merchant Acquirer Payment Card Market Share (2012E) 155
Credit Card Merchant Service Charges (2005-2014F) 155
Acquiring Overview 156
Credit Card Issuer/Issuing Processor Relationships 159
Credit Card Acquirer/Acquiring Processor Relationships 159
Credit Card Issuing Processor Market Shares by Card Numbers (2012E) 159
Credit Card Acquiring Processor Market Shares by Number of POS Transactions (2012E) 159
Processing Overview 160
Portugal 161 Card Holdings per 100 Adults (2005-2015F) 162
Credit Card Metrics (2005-2015F) 162
Credit Card Pro?tabilty Indicators (2005-2015F) 162
Debit Card Metrics (2005-2015F) 163
Cards Market Overview 164
Merchant Acquirer Credit Card Market Share (2013E) 168
Credit Card Merchant Service Charges (2005-2015F) 168
Merchant Acquirer Debit Card Market Share (2013E) 168
Debit Card Merchant Service Charges (2010-2015F) 168
Acquiring Overview 169
Credit Card Issuer/Issuing Processor Relationships 171
Credit Card Acquirer/Acquiring Processor Relationships 171
Credit Card Acquiring Processor Market Shares by Number of POS Transactions (2013E) 171
Processing Overview 172
Spain 173 Card Holdings per 100 Adults (2005-2014E) 174
Credit Card Metrics (2005-2014F) 174
Debit Card Metrics (2005-2014F) 175
Cards Market Overview 176
Merchant Acquirer Credit Card Market Share (2012E) 179
Merchant Service Charges (2005-2014F) 179
Acquiring Overview 180
Credit Card Issuer/Issuing Processor Relationships 183
Credit Card Acquirer/Acquiring Processor Relationships 183
Credit Card Issuing Processor Market Shares by Card Numbers (2012E) 183
Credit Card Acquiring Processor Market Shares by Number of POS Transactions (2012E) 184
Processing Overview 185
Sweden 186 Card Holdings per 100 Adults (2005-2014F) 187
Credit Card Metrics (2005-2014F) 187
Debit Card Metrics (2005-2014F) 188
Cards Market Overview 189
Merchant Acquirer Payment Card Market Share (2012) 193
Credit Card Merchant Service Charges (2005-2014F) 193
Debit Card Merchant Service Charges (2012E-2014F) 193
Acquiring Overview 194
Credit Card Issuer/Issuing Processor Relationships 196
Credit Card Acquirer/Acquiring Processor Relationships 196
Credit Card Issuing Processor Market Shares by Card Numbers (2012E) 196
Credit Card Acquiring Processor Market Shares by Number of POS Transactions (2012E) 196
Processing Overview 197
Switzerland 198 Card Holdings per 100 Adults (2005-2012F) 199
Credit Card Metrics (2005-2012F) 199
Debit Card Metrics (2005-2012F) 200
Cards Market Overview 201
Merchant Acquirer Credit Card Market Share (2010E) 206
Merchant Service Charges (2005-2012F) 206
Acquiring Overview 207
Credit Card Issuer/Issuing Processor Relationships 210
Credit Card Acquirer/Acquiring Processor Relationships 210
Credit Card Issuing Processor Market Shares by Card Numbers (2010E) 210
Credit Card Acquiring Processor Market Shares by Number of POS Transactions 211
Processing Overview 212
United Kingdom 213 Card Holdings per 100 Adults (2005-2014F) 214
Credit Card Metrics (2005-2014F) 214
Debit Card Metrics (2005-2014F) 215
Cards Market Overview 216
Merchant Acquirer Credit Card Market Share (2012E) 220
Merchant Service Charges (2003-2014F) 220
Merchant Acquirer Debit Card Market Share (2012E) 220
Debit Card Merchant Service Charges (2005-2015F) 220
Acquiring Overview 222
Credit Card Issuer/Issuing Processor Relationships 227
Credit Card Acquirer/Acquiring Processor Relationships 227
Credit Card Issuing Processor Market Shares by Card Numbers (2012E) 227
Credit Card Acquiring Processor Market Shares by Number of POS Transactions (2012E) 228
Processing Overview 229
About Lafferty Group 230