Germany

Germany’s payment landscape in 2026 is shaped by continued strength in card-based transactions. Credit and debit cards account for around 79% of transaction volume, maintaining a leading role alongside emerging alternative payment methods. For global merchants, optimizing for international card schemes is key to reaching consumers and unlocking growth in Germany.

*Data is for Codapay in the period of 1st Oct 2024 - 30th Sep 2025

Impact figures

62%

Android users

38%

iOS users

56.5%

Credit & Debit Card ownership

2.5B

App downloads in 2025

4.3B

App revenue (USD) in 2025

Insights

Digital wallets

Germany’s highly Android-dominant market limits Apple Pay's effectiveness for enabling online payments.

Cards

Credit & Debit cards have moderate penetration in-market and account for 79% of Codapay volumes, demonstrating strong card preference.

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