How Greeks pay online: debit card, PayPal and some cash

In Greece debit cards have become the main form of online payments: they are used by 57% of buyers. PayPal holds second place (49%), and C.O.D remains in use by 21% of consumers.

Study Nexi eCommerce Report shows that safety and simplicity are the main selection criteria.

The Greek online shopper has become a pragmatist: less loans, more trust in digital wallets.

Online payments in Greek

According to the latest report Nexi eCommerce Reportmore than half of Greeks use debit card — 57% of respondents said they made purchases this way over the past four weeks. Took second place PayPal with a rate of 49%: the service remains popular due to its simplicity and the feeling of security it evokes in users.

I wonder what C.O.D (“αντικαταβολή”) remains relevant: 21% of buyers prefer to receive the goods first and then pay. Another 20% use credit cards19% — Revolutand 17% pay for purchases through Apple Pay And Google Pay. Bank transfers account for 6%, and 1% of participants admitted that they do not know which method they prefer.

Buyer preferences

If we talk about the desired payment method, the picture changes a little. In first place – PayPal (34%), then debit card (25%) and C.O.D (12%). This shows what users value convenience and sense of control over the transaction process.

Why do the Greeks choose one system or another?

The study shows that the deciding factor for most remains safety — it was named by 71% of participants. In second place speed (56%), and in the third – convenience (49%).

Less important are habits (15%), savings (14%) and loyalty programs (10%) that offer bonus points or cashback. Only 2% choose methods that allow you to pay for your purchase later or in installments, and 1% checked “other.”

Fintech and trust

Debit cards remain the leader thanks to habit and trustformed after the transition of banks to secure online platforms. At the same time, the popularity of digital wallets, such as PayPal, Revolut, Apple Pay And Google Paywhich provide a combination speed and data protection.

The authors of the study emphasize that for Greek consumers, the choice of payment method has become part of the overall buying philosophy: pay safely, quickly and without bureaucracy. Payment solutions are therefore becoming a key element of the user experience in Greek e-commerce.

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