Payment methods in Luxembourg

The most popular domestic digital payment solution in Luxembourg. DigiCash is a mobile payments app operated by Payconiq International (a subsidiary of Worldline) and supported by major Luxembourg banks (BGL BNP Paribas, BCEE, Raiffeisen, etc.). Used for both in-store QR code payments and online checkout.

Widely used for online and cross-border purchases. Residents hold an average of 4.18 credit cards and 1.79 debit cards per person, one of the highest ratios in Europe, reflecting the country's wealth and international workforce.

The dominant e-commerce payment method in Luxembourg, accounting for nearly half of all online purchases. Luxembourg's highly banked population and the prevalence of online banking make direct bank transfers the preferred method. The country is fully integrated in SEPA and SEPA Instant.

LuxTrust provides digital identity and secure authentication solutions for Luxembourg's banking and e-commerce sector, underpinning 3D Secure card verification and secure online banking authentication.

Used heavily for cross-border shopping on international platforms. Given that 80% of online spending crosses borders, PayPal's buyer protection and widespread international acceptance make it popular. Flow: User selects PayPal, a modal or redirect opens. User logs in, confirms funding source, reviews details, authorizes. Control returns to merchant with approved or declined status.

NFC mobile wallets widely supported by Luxembourg's international banking sector. Growing among the country's large expatriate population accustomed to these services from their home countries.