Digital payments landscape in Italy - statistics & facts

Digital payments in Italy are characterized by its government taking a proactive stance on the matter. This is reflected in 2025 and plans to integrate the PagoPA platform into the public IO app, but also in December 2022. Back then, Italy's parliament wanted to impose a tax on payments firms and banks if they failed to lower fees in card transactions at POS terminals. What digital payment characteristics and payment trends are noteworthy for Italy?

Forecasted number of digital payment transactions in Europe: ***bn

Credit card penetration in Italy: ****%

Buy now, pay later market share in domestic e-commerce in Italy: *%

Editor’s Picks
Editor’s Picks
Current statistics on this topic

Share of online fashion shoppers using Buy Now, Pay Later (BNPL) options in Italy in 2023, by age group

Digital Shopping Behaviour

BNPL use for fashion shopping in Italy 2023, by age

Number of ATM cash withdrawals with cards issued by resident PSPs at terminals provided by resident PSPs in Italy from 2000 to 2024 (in millions)

Payments

Annual ATM cash withdrawal number in Italy 2000-2024

Payments

Annual level of ATM cash payments in Italy 2012-2023

Market share

Annual level of ATM cash payments in Italy 2012-2023
Annual level of ATM cash payments in Italy 2012-2023
Share of ATM cash relative to the flow of other domestic payments at point of sale (POS) in Italy from 2012 to 2023
Annual currency in circulation (CIC) to GDP ratio of Italy 2001-2023
Annual currency in circulation (CIC) to GDP ratio of Italy 2001-2023
Share of currency in circulation (CIC) to the nominal GDP of Italy from 2001 to 2023
Most used in-store (POS) payment methods in Italy 2017-2024, with 2030 forecast
Most used in-store (POS) payment methods in Italy 2017-2024, with 2030 forecast
Market share of cash, credit cards, and other payment methods at point of sale (POS) in Italy from 2017 to 2024, with a forecast for 2030
Payments at points of sale by type in Italy 2025
Payments at points of sale by type in Italy 2025
Payments at points of sale by type in Italy as of September 2025
Most used e-commerce payment methods in Italy 2016-2024, with 2030 forecast
Most used e-commerce payment methods in Italy 2016-2024, with 2030 forecast
Market share of cash, credit cards, and other payment methods during online shopping in Italy from 2016 to 2024, with a forecast for 2030
Most common online payments by type in Italy 2025
Most common online payments by type in Italy 2025
Most common online payments by type in Italy as of September 2025

Penetration

Triennial credit card penetration in Italy 2011-2024, by demographic
Triennial credit card penetration in Italy 2011-2024, by demographic
Share of individuals who own a credit card in Italy in 2011, 2014, 2017 and 2021 with a forecast for 2024, by age, gender, and income level
Triennial debit card penetration in Italy 2011-2024, by demographic
Triennial debit card penetration in Italy 2011-2024, by demographic
Share of individuals who own a debit card in Italy in 2011, 2014, 2017 and 2021 with a forecast for 2024, by age, gender, and income level
Quarterly adoption of mobile payments at POS in Italy 2018-2025
Quarterly adoption of mobile payments at POS in Italy 2018-2025
Mobile payments usage performed with any mobile device at POS in Italy from 2018 to 3rd quarter of 2025
Mobile payments usage by situation in Italy 2024
Mobile payments usage by situation in Italy 2024
Mobile payments usage by situation in Italy in 2024
Penetration rate of wearable devices for payments in 7 countries in Europe NA 2024
Penetration rate of wearable devices for payments in 7 countries in Europe NA 2024
Share of consumers in Europe and North America who indicate they used a wearable device for payments in 2024
Annual crypto adoption development in Italy 2020-2025, by metric
Annual crypto adoption development in Italy 2020-2025, by metric
Crypto Adoption Index ranking of Italy from 2020 to 2025, by metric
Domestic and cross-border e-commerce revenue share 2025, by country
Domestic and cross-border e-commerce revenue share 2025, by country
Distribution of domestic and cross-border e-commerce revenues in 2025, by country
Quarterly market share of outgoing digital remittances in Italy 2016-2025
Quarterly market share of outgoing digital remittances in Italy 2016-2025
Share of digitally initiated remittances in Italy from 2nd quarter 2016 to 1st quarter 2025, based on remittance outflow towards any other country

Biggest brands

Biggest international and domestic payment card schemes in Italy 2016-2023
Biggest international and domestic payment card schemes in Italy 2016-2023
Market share of payment card brands - Visa, Mastercard, American Express, or in-market local card schemes - in Italy from 2016 to 2023
Biggest contactless payment brands at POS in Italy 2024
Biggest contactless payment brands at POS in Italy 2024
Biggest contactless payment brands at POS in Italy as of December 2024
Biggest e-commerce payment brands in Italy 2024
Biggest e-commerce payment brands in Italy 2024
Biggest e-commerce payment brands in Italy as of December 2024
Biggest buy now, pay later (BNPL) apps in Italy 2015-2025, based on downloads
Biggest buy now, pay later (BNPL) apps in Italy 2015-2025, based on downloads
Biggest buy now, pay later (BNPL) apps in Italy from 1st quarter of 2015 to 2nd quarter of 2025, by number of downloads
Biggest cryptocurrency wallets in Italy 2015-2025, based on downloads
Biggest cryptocurrency wallets in Italy 2015-2025, based on downloads
Biggest wallets for cryptocurrency storage in Italy from 1st quarter of 2015 to 1st quarter of 2025, by number of downloads
Quarterly market share of outgoing remittance brands in Italy 2011-2025
Quarterly market share of outgoing remittance brands in Italy 2011-2025
Biggest brands for remittances in Italy from 1st quarter 2011 to 1st quarter 2025, based on remittance outflow towards any other country

Users

Leading factors in choosing online payment methods in 7 countries in Europe NA 2024
Leading factors in choosing online payment methods in 7 countries in Europe NA 2024
Most important factors for consumers in Europe and North America to determine what online payment method to use in 2024
Annual credit card and debit cards issued in Italy 2000-2024
Annual credit card and debit cards issued in Italy 2000-2024
Total number of credit cards and debit cards in circulation in Italy from 2000 to 2024
Quarterly Apple Pay penetration, online or offline, in Italy 2018-2025
Quarterly Apple Pay penetration, online or offline, in Italy 2018-2025
Apple Pay usage either for online payments or at POS in Italy from 2018 to 2nd quarter of 2025
Quarterly Google Pay penetration, online or offline, in Italy 2020-2025
Quarterly Google Pay penetration, online or offline, in Italy 2020-2025
Google Pay usage either for online payments or at POS in Italy from 2020 to 2nd quarter of 2025
Biggest buy now, pay later (BNPL) apps in Italy in 2025, based on MAU
Biggest buy now, pay later (BNPL) apps in Italy in 2025, based on MAU
Biggest buy now, pay later (BNPL) apps in Italy as of July 2025, by number of monthly active users (MAU)
Annual number of crypto users in Italy 2017-2023
Annual number of crypto users in Italy 2017-2023
Estimated number of people who hold or trade cryptocurrency in Italy from 2017 to 2023

Transaction value

Annual key figures on credit card payments in Italy, with forecasts up to 2029
Annual key figures on credit card payments in Italy, with forecasts up to 2029
Credit card payments trends overview for Italy from 2019 to 2024, with forecasts from 2025 to 2029
Annual credit card spending in Italy 2000-2024, in local currency and USD
Annual credit card spending in Italy 2000-2024, in local currency and USD
Value of credit card transactions for payments in Italy from 2000 to 2024 (in million euros, and estimates in U.S. dollars)
Annual key figures on debit card payments in Italy, with forecasts up to 2029
Annual key figures on debit card payments in Italy, with forecasts up to 2029
Debit card payments trends overview for Italy from 2019 to 2024, with forecasts from 2025 to 2029
Annual debit card spending in Italy 2000-2024, in local currency and USD
Annual debit card spending in Italy 2000-2024, in local currency and USD
Value of debit card transactions for payments in Italy from 2000 to 2024 (in million euros, and estimates in U.S. dollars)
Annual contactless spending in Italy 2016-2023, in local currency and USD
Annual contactless spending in Italy 2016-2023, in local currency and USD
Value of overall contactless transactions for payments in Italy from 2016 to 2023 (in million euros, and estimates in U.S. dollars)
Annual buy now, pay later (BNPL) spending in Italy in 2024, with a 2030 forecast
Annual buy now, pay later (BNPL) spending in Italy in 2024, with a 2030 forecast
Estimated transaction value of buy now, pay later (BNPL) in Italy in 2024, with forecasts for 2025 and 2030 (in million U.S. dollars)
Annual value of outgoing and incoming remittance flow in Italy 2021, by country
Annual value of outgoing and incoming remittance flow in Italy 2021, by country
Value of remittances sent from/to Italy to/from other countries or territories worldwide in 2021 (in million U.S. dollars)

Number of transactions

Annual number of credit card transactions in Italy 2000-2024, per capita
Annual number of credit card transactions in Italy 2000-2024, per capita
Total number of credit card transactions processed for payments in Italy from 2000 to 2024
Size of a credit card transaction in Italy 2000-2023, in local currency and USD
Size of a credit card transaction in Italy 2000-2023, in local currency and USD
Average value of a credit card transaction in Italy from 2000 to 2023 (in euros, and estimates in U.S. dollars)
Annual number of debit card transactions in Italy 2000-2024, per capita
Annual number of debit card transactions in Italy 2000-2024, per capita
Total number of debit card transactions processed for payments in Italy from 2000 to 2024
Size of a debit card transaction in Italy 2000-2023, in local currency and USD
Size of a debit card transaction in Italy 2000-2023, in local currency and USD
Average value of a debit card transaction in Italy from 2000 to 2023 (in euros, and estimates in U.S. dollars)
Annual number of real-time payments in Italy in 2023, with a 2028 forecast
Annual number of real-time payments in Italy in 2023, with a 2028 forecast
Total number of real-time (instant) payments in Italy in 2023, with a forecast for 2028

Miscellaneous

Annual number of POS terminals in Italy 2000-2024
Annual number of POS terminals in Italy 2000-2024
Total number of POS terminals reported in Italy from 2000 to 2024
Triennial unbanked population share in Italy 2011-2024, by demographic
Triennial unbanked population share in Italy 2011-2024, by demographic
Share of unbanked individuals in Italy from 2011 to 2024, by age, gender, and income level
Internet users in Italy 2014-2029
Internet users in Italy 2014-2029
Number of internet users in Italy from 2014 to 2029 (in millions)
Mobile internet usage reach in Italy 2014-2029
Mobile internet usage reach in Italy 2014-2029
Mobile internet usage penetration in Italy from 2014 to 2029
E-commerce revenue in Italy 2009-2023
E-commerce revenue in Italy 2009-2023
E-commerce revenue in Italy from 2009 to 2023 (in billion euros)
Main cross-border online shopping origin markets in Italy 2022, by market share
Main cross-border online shopping origin markets in Italy 2022, by market share
Leading markets of origin of cross-border online purchases in Italy in 2022, by market share
Payment types accepted by all e-commerce vendors in Italy in 2022 and 2024
Payment types accepted by all e-commerce vendors in Italy in 2022 and 2024
Share of companies that accept selected digital payments for all types of e-commerce in Italy as of February 2024

Forecasted number of digital payment transactions in Europe: ***bn

Credit card penetration in Italy: ****%

Buy now, pay later market share in domestic e-commerce in Italy: *%

Key figures

The most important key figures provide you with a compact summary of the topic of "Digital payments landscape in Italy" and take you straight to the corresponding statistics.

Biggest brand offering BNPL as a service
Klarna
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Biggest buy now, pay later (BNPL) apps in Italy 2015-2025, based on downloads
BNPL share against overall transaction value in Europe
***%
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Annual buy now, pay later (BNPL) spending in Italy in 2024, with a 2030 forecast
Share of respondents who used online payment services (e.g. PayPal, Amazon Pay)
***%
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Detailed statistics
Most common online payments by type in Italy 2025

Biggest brand for crypto storage
Binance
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Biggest cryptocurrency wallets in Italy 2015-2025, based on downloads
Share of population who hold or trade cryptocurrency
****%
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Annual number of crypto users in Italy 2017-2023
Crypto adoption ranking compared to rest of the world
Position ***(out of ****countries)
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Annual crypto adoption development in Italy 2020-2025, by metric

Biggest card brand
Mastercard
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Biggest international and domestic payment card schemes in Italy 2016-2023
Average value of credit card transaction
65.41 euros
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Size of a credit card transaction in Italy 2000-2023, in local currency and USD
Average value of a debit card transaction
44.27 euros
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Detailed statistics
Size of a debit card transaction in Italy 2000-2023, in local currency and USD

Destination country with highest value of remittances
Romania
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Annual value of outgoing and incoming remittance flow in Italy 2021, by country
Country of origin with highest value of cross-border e-commerce purchases
China
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Main cross-border online shopping origin markets in Italy 2022, by market share
Unbanked population share
**%
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Detailed statistics
Triennial unbanked population share in Italy 2011-2024, by demographic