How do Italians pay online?
Cards come first, with 51% of online payments by number in 2024, followed by e-payment solutions such as PayPal with 28%. Credit transfers weigh only 3%, while BNPL and local wallets such as Satispay and BANCOMAT Pay are growing.
In detail
Cards come first. They made 51% of online payments by number in 2024, mostly debit cards on the domestic BANCOMAT scheme co-badged with Visa or Mastercard, and prepaid cards such as Postepay. Italians made 2.7 billion remote card payments worth €132 billion in 2025, and nearly half of remote card payments were made on a phone.
The rest of the Italian checkout
- E-payment solutions, led by PayPal, with 28% of online payments.
- Local wallets: Satispay, linked to the user's bank account, and BANCOMAT Pay, built into banking apps.
- Buy now pay later, which reached €9.9 billion in 2025, from Scalapay, Klarna and PayPal.
- Credit transfers, only 3% of online payments, though MyBank turns online banking into a checkout method.
- Cash on delivery for shoppers who prefer not to pay upfront.
What it means for payment operators
An Italian checkout needs cards, PayPal and at least one local wallet, with BNPL increasingly expected in fashion and electronics. Operators serving Italian merchants benefit from connecting these providers once and enabling the right mix per merchant, rather than integrating each method separately.