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DIGITAL
&
TRENDSDigitalpaymentsinPortugalCHAPTER
01OverviewPaymentoptionsofferedbyenterprisesinPortugalin2023PaymentoptionsofferedbyenterprisesinPortugal202370%63%62%60%50%40%30%20%10%0%54%51%50%46%26%26%24%20%20%16%15%11%10%4Description:In2023,inPortugal,debitorcreditcardpaymentwasthemostcommonpaymentoffer,asitwaspresentin63percentofenterprises.Banktransferfollowedclosely,beingofferedby62percentofenterprises.Thirdly,MBWaywasofferedby54percentofbusinesses.ReadmoreNote(s):Portugal;February2023;1,130respondentsand105enterprises*;18-65yearsold;ResidentsinPortugal;*Thesurveywasansweredby1,130consumersandby105enterpriseswithmorethan100employees.
ReadmoreSource(s):Adyen;SapoNumberofestablishmentsprovidingpaymentservicesinPortugalfrom2018to2022,bytypeNumberofpaymentestablishmentsinPortugal2018-2022,bytypeNumberofestablishmentsCreditinstitutionsofferingpaymentservicesCreditinstitutions'officesofferingpaymentservicesInstitutionsofferingpaymentservicesOfficesofferingpaymentservices01,0002,0003,0004,0005,0006,0007,000201820192020202120225Description:InPortugal,therewere477paymentinstitutionsin2022,whiletherewereonly145creditinstitutionsofferingpaymentservices.Thenumberofofficesofferingpaymentservicesincreasedfrom5,845,in2018,to5,854,in2022.Theofficesofcreditinstitutionsofferingpaymentservicesdecreasedfrom4.2thousand,in2018,to3.4thousand,in2022.ReadmoreNote(s):Portugal;2018to2022Source(s):BancodePortugalNumberofbankingoperationsinPortugalfrom2018to2022,bytypeofpaymentinstrument(inmillions)NumberofbankingoperationsinPortugal2018-2022,bytypeofpaymentinstrumentElectroniccredittransfersDirectdebitinstructionsDebitcardoperationsCreditcardoperationsPaymentcardoperations*3,0002,5002,0001,5001,0005000201820192020202120226Description:InPortugal,thenumberofbankingoperationsincreasedovertheperiodconsideredforalltypesofpaymentinstruments.In2022,electroniccredittransfersamountedto370million,surpassingdirectdebitsandcreditcardtransactions,whichtotaled259millionand165million,respectively.Debitcardoperationsrosefrom1.7billion,in2018,toover2.4billion,in2022.ReadmoreNote(s):Portugal;2018to2022;*Paymentcardoperationsresultfromthesumofdebitcardandcreditcardoperations.ReadmoreSource(s):BancodePortugalValueofbankingoperationsinPortugalfrom2018to2022,bytypeofpaymentinstrument(inbillioneuros)ValueofbankingoperationsinPortugal2018-2022,bytypeofpaymentinstrumentElectroniccredittransfersDirectdebitinstructionsDebitcardoperationsCreditcardoperationsPaymentcardoperations*1,6001,4001,2001,0008006004002000201820192020202120227Description:InPortugal,thevalueofbankingoperationsincreasedduringtheconsideredperiodforalltypesofpaymentinstruments.In2022,thereweremorethan128billioneurostransactedaspartofpaymentcardoperations.Directdebitinstructionsreachedthevalueofalmost40billioneuros,surpassingonlycreditcardoperations.Thehighestvaluewasreachedbyelectroniccredittransfers,whichamountedto1.5trillioneuros.
ReadmoreNote(s):Portugal;2018to2022;*Paymentcardoperationsresultfromthesumofdebitcardandcreditcardoperations.ReadmoreSource(s):BancodePortugalNumberofdigitalpaymentoperationsinPortugalfromJanuary2022toMarch2024(inmillions)MonthlynumberofdigitalpaymentoperationsinPortugal2022-2024185175165155166.7165.9157.5157.6155.4152.4149.3148.5141.7145135125115105138.2138.6136.6125.2114.1Jan
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20248Description:InPortugal,duringtheconsideredperiod,thenumberofdigitalpaymentoperationsfluctuated.February2022registeredthelowestnumberoftheseoperations,namelyalmost112million.Onthecontrary,December2023recordedthehighestvaluewithalmost180milliondigitalpaymentoperations.ReadmoreNote(s):Portugal;January2022toMarch2024Source(s):SIBSValueofdigitalpaymentoperationsinPortugalfromJanuary2022toMarch2024(inbillioneuros)MonthlyvalueofdigitalpaymentoperationsinPortugal2022-20247.57.076.96.46.56.16.15.96.05.55.04.54.05.85.85.65.55.45.24.84.3Jan
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20249Description:InPortugal,inJanuaryandFebruary2022,theamountofmoneydigitallytransactedforpaymentpurposeswasthelowest,namely4.3billioneuros.December2022recordedthehighestvalue,7.1billioneuros.
ReadmoreNote(s):Portugal;January2022toMarch2024Source(s):SIBSAveragevalueofdigitalpaymentoperationsinPortugalfromJanuary2022toMarch2024(ineuros)MonthlyaveragevalueofdigitalpaymentoperationsinPortugal2022-2024484646.244.444.344424038363432304339.839.839.738.538.53837.13734.334Jan
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202410/statistics/1405238/portugal-average-value-of-digital-paymentsInPortugal,inApril2022,theaveragevalueofdigitalpaymentoperationsamountedto37.9euros.InMarch2023,thisfigureroseto46.2euros.In2024,figureswerethelowest,namelyinMarch,with34eurosastheaveragevalueofdigitalpayments.ReadmoreNote(s):Portugal;January2022toMarch2024Source(s):SIBSNumberofdigitalpaymentoperationsinPortugalfromJanuary2023toMarch2024,bysector(inmillions)NumberofdigitalpaymentoperationsinPortugal2023-2024,bysectorNumberofoperations3000100200400500600700800755.5SupermarketsandhypermarketsRestaurantandcateringservicesGasstations438.9149.7PharmaciesandparapharmaciesFashionandaccessoriesOtherservices90.179.374.1Rawmaterials72.8Traditionaltrade66.265.753GroceriesandgrocersOtherretail11Description:InPortugal,duringtheconsideredperiod,thenumberofdigitalpaymentoperationswasthehighestinsupermarketsandhypermarkets,whichtotaled755.5milliondigitalpaymenttransactions.Restaurantsandcateringservicescamesecond,withalmost439millionoperations,whilegasstationsregistered150million.ReadmoreNote(s):Portugal;January2023toMarch2024Source(s):SIBSValueofdigitalpaymentoperationsinPortugalfromJanuary2023toMarch2024,bysector(inbillioneuros)ValueofdigitalpaymentoperationsinPortugal2023-2024,bysectorValueofoperationsinbillioneuros0246810121416182019.922SupermarketsandhypermarketsPublicadministration9.3RestaurantandcateringservicesInsurances8.35.7Gasstations4.6Otherservices3.8FashionandaccessoriesConsumergoodswholesaletradeRawmaterials3.63.53.1Technology,culture,andentertainment312Description:InPortugal,duringtheconsideredperiod,supermarketsandhypermarketsrecorded19.9billioneurosindigitalpaymentoperations.Thepublicadministrationwasthesecondsectorregisteringthehighestvalueofdigitalpayments,with9.3billioneurostransacted.Restaurantandcateringservicesclosedthepodiumwith8.3billioneurosindigitalpayments.ReadmoreNote(s):Portugal;January2023toMarch2024Source(s):SIBSAveragevalueofdigitalpaymentoperationsinPortugalfromJanuary2023toMarch2024,bysector(ineuros)AveragevalueofdigitalpaymentoperationsinPortugal2023-2024,bysectorAveragevalueofoperationsineuros100
2000300400500600597700InsurancePublicadministration240.3217MotorvehiclesandaccessoriesMachineryandequipment146.2Socialcare102.592.7EducationandtrainingInformationandcommunicationtechnologies(ICT)equipmentHealthservices79.478.177.775.7ConsumergoodswholesaletradeInformationtechnologiesservices13Description:InPortugal,duringtheobservedperiod,theinsurancesectorwastheonerecordingthehighestaveragevalueofdigitalpaymentoperations,amountingto597euros.Thepublicadministrationsectorrecordedmorethan240eurosastheaveragevalueofdigitalpayments.Thesectorofmotorvehiclesandaccessoriesrecorded217eurosastheaverageamountdigitallypaid.
ReadmoreNote(s):Portugal;January2023toMarch2024Source(s):SIBSCHAPTER
02OnlinebankingandmobilepaymentsOnlinebankingpenetrationrateinPortugalfrom2012to2023PenetrationrateofonlinebankinginPortugal2012-202370%58.88%60%57.45%52.83%50%40%30%20%10%0%47.06%41.95%38.55%31.29%28.87%28.22%25.27%24.62%22.62%20122013201420152016201720182019202020212022202315Description:InPortugal,onlinebankinghasplummetedduringrecentyears.Itspenetrationratewentfrom25percentregisteredin2012toalmost59percentrecordedin2023.Despiteafluctuationin2013,thepenetrationofonlinebankinghasbeengrowingsteadily.Themostintenseincreaseoccurredin2018whenonlinebankinguserswentfrom31percentofrespondentsinthepreviousyeartoalmost39percent.
ReadmoreNote(s):Portugal;2012to2023Source(s):EurostatShareofonlinebankingusersinPortugalin2023,byregionShareofonlinebankingusersinPortugal2023,byregion80%73%70%68%70%60%50%40%30%20%10%0%67%66%64%63%LisbonRegionMadeiraNorthernPortugalAlgarveCentralPortugalAzoresAlentejo16Description:Asof2023,theregionofPortugalwiththehighestshareofinhabitantsusingonlinebankingwastheLisbonRegion,where73percentofpeopleusedthisservice.ReadmoreNote(s):Portugal;May4toJuly31,2023;7,672households;16-74yearsold;IndividualswhohaveusedtheinternetinthethreemonthsbeforethesurveySource(s):ANACOM;Eurostat;StatisticsPortugalCardownershipintheonlinebankingpopulationinPortugalfrom2020to2023CardownershipintheonlinebankingpopulationinPortugal2020-2023DebitcardCreditcardPrepaidcard95.9%120%100%80%60%40%20%0%98.3%96.5%94.1%63%56.4%54.5%53.4%32.3%23.3%23.1%20.8%202020212022202317Description:Overtheobservedperiod,cardownershipintheonlinebankingpopulationinPortugaldecreasedfordebitcards,recordinganownershiprateof98.3percentin2021,butoneof94percentin2023.Prepaidcardsrepresentedthelowestcardownershiprateintheonlinebankingpopulation,with32.3percentin2023.ReadmoreNote(s):Portugal;August2023*;18yearsandolder;*Dateofthelatestsurvey.ReadmoreSource(s):AnalistasFinancierosInternacionales;IndraSistemas;Minsait;TheCocktailAnalysisAveragenumberofcardsusedbyonlinebankingclientsinPortugalfrom2021to2022,bytypeAveragenumberofcardsusedbyonlinebankingclientsinPortugal2021-2022,bytype202120221.61.51.41.41.41.41.21.00.80.60.40.20.01.31.2ChargecardsCreditcardsPrepaidcards18Description:In2021,theaveragenumberofcardsamongtheonlinebankingpopulationinPortugaltotaled1.4cardsperpersonwhenitcomestochargeandcreditcards.In2022,thisvalueremainedequalforchargecards,butincreasedto1.5forcreditcards.Inregardtoprepaidcards,peopleinPortugalhadonaverage1.3cardsin2022.ReadmoreNote(s):Portugal;August2022;18yearsandolderSource(s):AnalistasFinancierosInternacionales;IndraSistemas;Minsait;TheCocktailAnalysisNumberofMBWayusersinPortugalfrom2017toSeptember2023(inmillions)NumberofMBWayusersinPortugal2017-September202365435.044.283.742.12210.52020172019202120222023*19Description:InPortugal,thenumberofMBWayusersgrewfromalmost520thousand,in2017,tooverfivemillion,inSeptember2023.Thetwo-yearperiodbetween2017and2019sawthebiggestincreaseinthenumberofusersofthismobilepaymentservice,namelymorethan1.5millionusers.ReadmoreNote(s):Portugal;2017toSeptember2023Source(s):ACEPI;SIBSNumberofneobankingusersinPortugalfrom2017to2028(inmillions)NumberofneobankingusersinPortugal2017-2024,withforecaststo20282.52.172.132.061.942.01.51.00.50.01.741.441.040.810.50.290.160.0920172018201920202021202220232024202520262027202820Description:ThenumberofneobankingusersinPortugalincreasedsteadilybetween2017and2024,exceeding1.74millioninthelatteryear.AccordingtoStatista'sDigitalMarketInsights,theuserbaseofneobankingisforecasttoincreaseevenfurtherinthefollowingyears.By2028,thenumberofneobankingusersinPortugalisestimatedtoreach2.17million.ReadmoreNote(s):Portugal;2017to2028Source(s):DigitalMarketInsightsTransactionvalueofneobankinginPortugalfrom2017to2028(inbillionU.S.dollars)NeobankingtransactionvalueinPortugal2017-2024,withforecaststo2028706050403065.7560.6554.8147.8939.6130.1719.7620222013.927.71003.921.880.862017201820192020202120232024202520262027202821Description:NeobankingtransactionvalueinPortugalincreasedsharplybetween2017and2024,anditisforecasttoincreaseevenfurtherinthefollowingyears.AccordingtoStatista'sDigitalMarketInsights,neobankingtransactionvalueexceeded30billionU.S.dollarsin2023,upfromnoteven20billionU.S.dollarsin2022.Thetransactionvalueofneobankingisforecasttoincreasetoalmost65.8billionU.S.dollarsin2028.ReadmoreNote(s):Portugal;2017to2028Source(s):DigitalMarketInsightsCHAPTER
03CardpaymentsNumberofdigitalpaymentcardoperationsinPortugalfromJanuary2022toMarch2024,bytype(in1,000s)MonthlynumberofdigitalcardpaymentsinPortugal2022-2024,bytypeService/PurchasepaymentsTelecommunicationpaymentsGovernment/SocialSecuritypayments20,00018,00016,00014,00012,00010,0008,0006,0004,0002,0000Jan
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202423Description:InPortugal,thenumberofdigitalpaymentoperationsconductedwithbankcardshasfluctuatedduringtheperiodconsidered.Paymentsofservicesorpurchasesamountedto16.5millioninMarch2024,withtheirhighestvaluehavingbeenrecordedinMarch2023.Telecommunicationpaymentsdecreasedfrom2.2millioninJanuary2022to1.6millioninMarch2024.PaymentstothePortugueseStateorSocialSecurityregisteredthelowestvaluesofallpaymenttypes,totalingless[...]
ReadmoreNote(s):Portugal;January2022toMarch2024Source(s):BancodePortugalValueofdigitalpaymentcardoperationsinPortugalfromJanuary2022toMarch2024,bytype(inmillioneuros)MonthlyvalueofdigitalcardpaymentsinPortugal2022-2024,bytypeService/PurchasepaymentsTelecommunicationpaymentsGovernment/SocialSecuritypayments4,5004,0003,5003,0002,5002,0001,5001,0005000Jan
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202424Description:InPortugal,duringtheperiodconsidered,thevalueofdigitalpaymentcardoperationswasthehighestforserviceorpurchasepayments.Theseamountedtoover2.1billioneurosinMarch2024,increasingfromthetwobillioneurosrecordedinthepreviousmonth.PaymentstothePortugueseStateorSocialSecurityrecordedthesecondhighestfigures,withmorethan1.7billioneurosinpaymentsinAugust2023.Telecommunicationpaymentsamountedtoto26millioneurosinJanuary[...]
ReadmoreNote(s):Portugal;January2022toMarch2024Source(s):BancodePortugalAveragenumberofindividualbankcardpaymentsinPortugalfromJanuary2023toMarch2024,bysectorAveragenumberofindividualbankcardpaymentsinPortugal2023-2024,bysector65.55432104.42.61.61.3SupermarketsandhypermarketsRestaurantandcateringservicesGasstationsPublicadministrationInsurance25Description:InPortugal,duringtheconsideredperiod,bankcardsweremostlyusedtoconductdigitalpaymentsinsupermarketsandhypermarkets,with5.5beingtheaveragenumberoftimeseachcardwasused.Bankcardswereused4.4timesinrestaurantandcateringservices,and2.6timesingasstations.ReadmoreNote(s):Portugal;January2023toMarch2024Source(s):SIBSNumberofbankcardpurchasesinPortugalfromJanuary2022toMarch2024,bylocationandcardprovenance(in1,000s)MonthlynumberofcardpurchasesinPortugal2022-2024,bylocationandcardoriginNationalcardsinPOSinPortugalNationalcardsinPOSabroadForeigncardsinPOSinPortugal250,000200,000150,000100,00050,0000Jan
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202426Description:InPortugal,thenumberofpurchasescarriedoutwithforeignbankcardswas,inMarch2024,almost17million.Thisfigurerepresentsanincreasecomparedtothepreviousmonth.Thenumberofpurchasesusingnationalcards,inPortugal,wasequalto182.5millioninMarch2024,whichisalsoanincreasecomparedtoFebruary2024.ReadmoreNote(s):Portugal;2022to2024Source(s):BancodePortugalNumberofservicepaymentsinMultibancoautomatedtellermachines(ATMs)inPortugalin2023,byregion(in1,000s)NumberofservicepaymentsinMultibancoATMsinPortugal2023,byregionNumberofpaymentsinthousands010,00020,00030,00040,00050,00060,000MainlandPortugal53,443Azores1,0701,163Madeira27Description:Asof2023,therewereover55.6millionservicepaymentsconductedinMultibancoautomatedtellermachines(ATMs),inPortugal.Inthecontinentalcountry,therewereover53.4millionservicepaymentsinMultibancoATMs,whiletheAzoreshadthesmallestfigure,reachingalmost1.1millionservicepayments.ReadmoreNote(s):Portugal;2023Source(s):SIBS;StatisticsPortugalValueofservicepaymentsinMultibancoautomatedtellermachines(ATMs)inPortugalin2023,byregion(inmillioneuros)ValueofservicepaymentsinMultibancoATMsinPortugal2023,byregionValueofpaymentsinmillioneuros01,0002,0003,0004,0005,0006,0007,000MainlandPortugal6,621.19Azores111.5Madeira125.8528Description:Asof2023,Portugalrecordedover6.8billioneurosinservicepaymentsviaMultibancoautomatedtellermachines(ATMs).ContinentalPortugalregisteredthehighestvalueofallthecountry'sregions,whichcoincidedwithover6.6billioneuros.TheAzoresrecordedthelowestfigure,111.5millioneurosinservicepaymentsviaMultibancoATMs.ReadmoreNote(s):Portugal;2023Source(s):SIBS;StatisticsPortugalCreditcardpenetrationrateinPortugalin2023,bysocialclassPenetrationrateofcreditcardsinPortugal2023,bysocialclassShareofrespondents0%10%20%30%40%50%60%70%Upper/Upper-middleclassMediumclass59.7%49.6%Middle-lowerclass/LowerAverage29.3%40.2%29Description:In2023,thepenetrationrateofcreditcardswashigheramongPortuguesepeoplebelongingtotheupperorupper-middleclass,whohadthematashareofalmost60percent.Themiddleclasspossessedthesecardsatashareofnearly50percent.Ingeneral,40percentofthepopulationinPortugalhadcreditcards.ReadmoreNote(s):Portugal;2023;1,200respondents;15yearsandolder;BankusersinmainlandPortugalSource(s):GrupoMarktestCHAPTER
04POSpaymentsNumberofpointsofsale(POS)inPortugalin2023,byregionNumberofautomaticpaymentterminalsinPortugal2023,byregionNumberofautomaticpaymentterminals050,000100,000150,000200,000250,000300,000350,000400,000450,000500,000MainlandPortugal461,690Azores12,15511,586Madeira31Description:InmainlandPortugal,in2023,thereweremorethan485.400automaticpaymentterminals.Madeiraaccountedforalmost11.600pointsofsale(POS),whiletheAzorespossessedalmost11.500thousandPOS.Intotal,Portugalhadmorethan485.400automaticpaymentterminals.ReadmoreNote(s):Portugal;2023Source(s):SIBS;StatisticsPortugalNumberofoperationsinpointsofsale(POS)inPortugalin2023,byregion(inmillions)NumberofoperationsinpointsofsaleinPortugal2023,byregionNumberofoperationsinmillions1,00005001,5002,0002,500MainlandPortugal2,041.76Azores50.5Madeira50.9332Description:InPortugal,in2023,therewereover2.1billionoperationsconductedinpointsofsale(POS).Themainlandterritoryaccountedforthemajorityofoperations,namelyovertwobillion.Operationsconductedinautomaticpaymentterminalsamountedtoalmost51millioninMadeira.ReadmoreNote(s):Portugal;2023Source(s):SIBS;StatisticsPortugalValueofoperationsinpointsofsale(POS)inPortugalin2023,byregion(inbillioneuros)ValueofoperationsinpointsofsaleinPortugal2023,byregionValueofoperationsinbillioneuros30
400102050607080MainlandPortugal76.09Azores1.992.03Madeira33Description:InPortugal,in2023,thevalueofoperationsconductedinautomaticpaymentterminals,orpointsofsale(POS),amountedtomorethan80billioneuros.InmainlandPortugal,therewere76billioneurosworthofPOSoperations,whiletheAzorespresentedthelowestfigure,1.99billioneuros.ReadmoreNote(s):Portugal;2023Source(s):SIBS;StatisticsPortugalNumberofpurchasesviapointsofsale(POS)inPortugalfrom2000to2023(inmillions)AnnualnumberofpointofsalepurchasesinPortugal2000-20232,5002,0001,5001,00050002000
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202334Description:InPortugal,thenumberofpurchasescarriedoutviapointsofsale(POS)increasedovertheconsideredperiod.In2000,therewerealmost285.7millionPOSpurchases,avaluethatmorethantripledby2016.In2023,almost2.1billionpurchasesviapointsofsalewereconducted.ReadmoreNote(s):Portugal;2000to2023Source(s):PORDATA;SIBSValueofpurchasesviapointsofsale(POS)inPortugalin2023,byregionandcardprovenance(inbillioneuros)PointofsalepurchasesinPortugal2023,byregionandcardprovenancePurchasesinbillioneurosNational30Foreign400102050607080MainlandPortugalAzoresMadeira35Description:InPortugal,in2023,thetotalamountspentinpurchasesviapointsofsale(POS)correspondedtoalmost71.3billioneuros.Nationalcardswereresponsiblefor62billioneurosinpoints-of-salepurchases,whileforeigncardsaccountedformorethan9.2billioneuros.ItwasinmainlandterritorythatPOSpurchaseswerethehighest,totaling67.5billioneuros.ReadmoreNote(s):Portugal;2023Source(s):SIBS;StatisticsPortugalPercapitapurchasesviapointsofsale(POS)inPortugalin2022,byregion(ineuros)PercapitapointofsalepurchasesinPortugal2022,byregionPurchasesineuros3,000
4,00001,0002,0005,0006,0007,0008,000MainlandPortugalAzores6,0896,064Madeira6,719Portugalaverage6,48036Description:InPortugal,in2022,eachinhabitantspent,onaverage,almost6.5thousandeurosinpurchasespaidthroughpointsofsale(POS).TheaverageamountspentintheAzoreswasthelowest,correspondingtoalmost6.1thousandeuros.InMadeira,theaverageamountspentwasthehighest,surpassing6.7thousandeuros.ReadmoreNote(s):Portugal;2022Source(s):SIBS;StatisticsPortugalShareofpaymentmethodsatthepointsofsale(POS)intermsofnumberandvalueoftransactionsinPortugalin2022PaymentmeansatthePOSintermsofnumberandvalueofdealsinPortugal2022CashCardMobileappOther*100%90%80%70%60%50%40%30%20%10%0%3%5%31%48%64%44%NumberoftransactionsValueoftransactions37Description:InPortugal,in2022,cashwasthemostusedpaymentmethodintermsofthenumberoftransactionsatpointsofsale(POS),beingusedin64percentofpaymentinstances.Cardpaymentwasusedatashareof31percent.However,whenitcametothevalueoftransactionsatPOS,cardpaymentshadasuperiorvalue,as48percentofthetransactedvaluewasduetobankcardsover44percentofcashpayments.Thissignifiesthattheamountspentincardtransactionswassuperiortothe[...]
ReadmoreNote(s):Portugal;October2toDecember7,2021,andMarch17toJune9,2022**;1,988respondents;18yearsandolder;*Thesourcestatesthat"Thecategory'Other'includesbankcheques,credittransfers,loyaltypoints,vouchersandgiftcards[...]
ReadmoreSource(s):ECB;VerianShareofcontactlesspaymentsamongcardpaymentsatthepointsofsale(POS)intermsofnumberandvalueoftransactionsinPortugalfrom2019to2022ContactlessPOSpaymentintermsofnumberandvalueofdealsinPortugal2019-20222019202280%70%60%50%40%30%20%10%0%45%30%24%23%NumberoftransactionsValueoftransactions38Descr
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