---
title: Coverage Areas
aside: false
pageComponent:
  name: CoverCountryComponent
  country: AT
permalink: /en/notes/covers/europe/AT/
createTime: '2025/03/07 16:01:52'
description: >-
  This document describes the characteristics of the Austrian payment market, covering both traditional and innovative payment methods. Cash and debit cards are still widely used, but digital payments, contactless payments, and mobile payments are growing rapidly. Local EPS and international payment platforms are popular, online payments are diverse, and cross-border e-commerce demand is increasing. The regulatory environment complies with PSD2, focusing on security and data protection. The number of fintech companies is increasing, and traditional banks are actively transforming.
---

# Austria 支付覆盖

<v4-MarkOverview>
<p>The Austrian payment market has the following characteristics:</p>
<p>Traditional and Innovative Coexistence:
- Cash is still widely used in certain areas
- Digital payment methods are growing rapidly</p>
<p>Card Payment Popularization:
- Debit card usage is widespread
- Contactless payments are popular in retail</p>
<p>Online Payment Development:
- EPS (Electronic Payment Standard) is widely used locally
- International payment platforms are also popular</p>
<p>Mobile Payment Growth:
- Smartphone payments and digital wallet usage rates are rising
- Local mobile payment solutions are developing rapidly</p>
<p>E-commerce Payments:
- Online payment methods are diversified
- Cross-border e-commerce payment demand is growing</p>
<p>Regulatory Environment:
- Complies with EU Payment Services Directive (PSD2)
- Focuses on payment security and data protection</p>
<p>Fintech Innovation:
- Number of fintech startups is increasing
- Traditional banks are actively embracing digital transformation</p>
</v4-MarkOverview>
<v4-CoversCountry />

## LLM 摘要

- 国家/地区：Austria
- 交易币种：EUR
- 支付方式占比：Card 40%；Bank Transfer 35%；Digital wallets 15%；Cash payment 7%；Others 3%
- 热门支付方式：EPS、Satispay、SEPA Direct Debit、Klarna、Paysafecard、Skrill、Trustly

## 覆盖信息

This document describes the characteristics of the Austrian payment market, covering both traditional and innovative payment methods. Cash and debit cards are still widely used, but digital payments, contactless payments, and mobile payments are growing rapidly. Local EPS and international payment platforms are popular, online payments are diverse, and cross-border e-commerce demand is increasing. The regulatory environment complies with PSD2, focusing on security and data protection. The number of fintech companies is increasing, and traditional banks are actively transforming.

Austria has a well-developed payment infrastructure with a preference for cards and online banking.

| 字段 | 内容 |
|------|------|
| 国家/地区 | Austria |
| 国家/地区代码 | AT |
| 交易币种 | EUR |
| 所属区域 | Europe |

## 支付方式占比

| 支付方式 | 占比 |
|----------|------|
| Card | 40% |
| Bank Transfer | 35% |
| Digital wallets | 15% |
| Cash payment | 7% |
| Others | 3% |

## 热门支付方式

| 支付方式 | 类型 | 支付能力 | 支持的集成方式 | 文档链接 |
|----------|------|----------|----------------|----------|
| EPS | Bank Transfer | 全额退款、部分退款 | 跳转收银台、一页收银台、内嵌 SDK、API Only / S2S | /notes/zh/paymentMethods/EPS/ |
| Satispay | Digital Wallets | 全额退款、部分退款 | 跳转收银台、一页收银台、内嵌 SDK、API Only / S2S | /notes/zh/paymentMethods/Satispay/ |
| SEPA Direct Debit | Bank Transfer | - | - | - |
| Klarna | Digital Wallets | 全额退款、部分退款、订阅/周期扣款、拒付 | 跳转收银台、一页收银台、内嵌 SDK、API Only / S2S | /notes/zh/paymentMethods/Klarna/ |
| Paysafecard | Prepaid Card | 全额退款、部分退款 | 跳转收银台、一页收银台、内嵌 SDK、API Only / S2S | /notes/zh/paymentMethods/Paysafecard/ |
| Skrill | Digital Wallets | 全额退款、部分退款 | 跳转收银台、一页收银台、内嵌 SDK、API Only / S2S | /notes/zh/paymentMethods/Skrill/ |
| Trustly | Bank Transfer | 全额退款、部分退款 | 跳转收银台、一页收银台、内嵌 SDK、API Only / S2S | /notes/zh/paymentMethods/Trustly/ |