29.04.2025, Amsterdam, Netherlands – Dutch shoppers are increasingly open to switching online payment methods in exchange for greater speed, convenience, and rewards – but trust remains a non-negotiable, according to new research from European fintech company, payabl.
The findings, published in The State of European Checkouts report, show that 51% of Dutch consumers would consider using a new payment method, with nearly a third (30%) saying they would do so to speed up the checkout process. Yet while convenience drives experimentation, security is still the top priority, with 68% of Dutch respondents willing to accept a slower checkout if it means better fraud protection.
The Dutch checkout experience
The data reveals that e-commerce is deeply embedded in Dutch daily life, with 46% of shoppers buying online weekly and spending an average of €60 per transaction.
iDEAL continues to dominate, preferred by 39% of Dutch online shoppers. PayPal follows at 35%, with direct bank transfers (27%) and cards trailing behind. Notably, 65% of Dutch consumers use different payment methods online and in-store, with cash still the top choice for in-person purchases (58%) – reflecting a uniquely flexible payment mindset.
Consumers across Europe cite speed (46%), convenience (44%) and security (41%) as the top reasons for choosing a payment method, ahead of habit (21%) or wide acceptance (29%) – suggesting that payment choice is intentional, not habitual.
One-click? Maybe – but only if trust is built
Nearly half (46%) of Dutch shoppers are open to using one-click checkout, where payment details are stored and not re-entered each time. However, many remain cautious, particularly if the provider is unfamiliar. Around a quarter are unwilling to use one-click altogether, highlighting the importance of clear communication, trust signals, and brand familiarity.
The cost of a poor checkout
Trust is critical – but so is the overall experience. A complicated or clunky checkout can have real consequences.
Security and shared responsibility
Across Europe, 44% of consumers believe retailers, banks or payment processors are responsible for fraud prevention, while only 24% place that responsibility on themselves. This highlights the opportunity for merchants to reassure consumers with visible, clear security measures, especially when promoting newer payment methods.
Jonathan Arler, General Manager – Netherlands at payabl., said: “Dutch consumers are digitally advanced but also pragmatic – they’ll try something new if it’s fast and safe. Local payment options like iDEAL remain essential, but there’s real opportunity to drive adoption of newer methods, especially if retailers build trust and offer a transparent, frictionless experience.”
David Birch, Global Ambassador for Consult Hyperion, said: “The research clearly shows that one size doesn’t fit all – regional preferences matter and personalisation can make a real difference. Offering a wide range of payment options, from digital wallets to local methods, and backing them with robust fraud protection and clear communication, can make all the difference in turning shoppers into repeat customers.
“To capitalise on the growth of online shopping, retailers must prioritise a seamless and secure checkout experience, with unclear fees, account creation, or poor design likely leading to cart abandonment. The checkout must be seen as more than a point of transaction and instead seen as a way to foster trust and loyalty, boosting conversion rates in the process.”
payabl. is a leading financial technology provider that offers a wide range of payments products, including card acquiring, multi-currency business accounts, local payment methods, and POS terminals. Offering companies the best ways to supercharge their growth with payments tech, smart fraud prevention, and dedicated customer support. payabl. is committed to fast and secure payments with one-click payment technology and 24/7 fraud prevention technology.
About payabl.
Established in 2011, payabl. is a leading financial technology provider with offices in Germany, the Netherlands, Cyprus, and the UK. The company offers a comprehensive range of payment products, including card acquiring, business accounts, integration to over 300 local payment methods, and POS terminals. payabl. offers its customers a high-tech, high-touch approach, providing future-proofed payment solutions to merchants from a wide range of sectors around the world. With unrivalled experience in helping clients navigate the complexity of an ever-evolving payments environment, payabl. is the trusted partner for the world’s most innovative merchants to unlock growth. To learn more, visit: payabl.com
29.04.2025, Amsterdam, Netherlands – Dutch shoppers are increasingly open to switching online payment methods in exchange for greater speed, convenience, and rewards – but trust remains a non-negotiable, according to new research from European fintech company, payabl.
The findings, published in The State of European Checkouts report, show that 51% of Dutch consumers would consider using a new payment method, with nearly a third (30%) saying they would do so to speed up the checkout process. Yet while convenience drives experimentation, security is still the top priority, with 68% of Dutch respondents willing to accept a slower checkout if it means better fraud protection.
The Dutch checkout experience
The data reveals that e-commerce is deeply embedded in Dutch daily life, with 46% of shoppers buying online weekly and spending an average of €60 per transaction.
iDEAL continues to dominate, preferred by 39% of Dutch online shoppers. PayPal follows at 35%, with direct bank transfers (27%) and cards trailing behind. Notably, 65% of Dutch consumers use different payment methods online and in-store, with cash still the top choice for in-person purchases (58%) – reflecting a uniquely flexible payment mindset.
Consumers across Europe cite speed (46%), convenience (44%) and security (41%) as the top reasons for choosing a payment method, ahead of habit (21%) or wide acceptance (29%) – suggesting that payment choice is intentional, not habitual.
One-click? Maybe – but only if trust is built
Nearly half (46%) of Dutch shoppers are open to using one-click checkout, where payment details are stored and not re-entered each time. However, many remain cautious, particularly if the provider is unfamiliar. Around a quarter are unwilling to use one-click altogether, highlighting the importance of clear communication, trust signals, and brand familiarity.
The cost of a poor checkout
Trust is critical – but so is the overall experience. A complicated or clunky checkout can have real consequences.
Security and shared responsibility
Across Europe, 44% of consumers believe retailers, banks or payment processors are responsible for fraud prevention, while only 24% place that responsibility on themselves. This highlights the opportunity for merchants to reassure consumers with visible, clear security measures, especially when promoting newer payment methods.
Jonathan Arler, General Manager – Netherlands at payabl., said: “Dutch consumers are digitally advanced but also pragmatic – they’ll try something new if it’s fast and safe. Local payment options like iDEAL remain essential, but there’s real opportunity to drive adoption of newer methods, especially if retailers build trust and offer a transparent, frictionless experience.”
David Birch, Global Ambassador for Consult Hyperion, said: “The research clearly shows that one size doesn’t fit all – regional preferences matter and personalisation can make a real difference. Offering a wide range of payment options, from digital wallets to local methods, and backing them with robust fraud protection and clear communication, can make all the difference in turning shoppers into repeat customers.
“To capitalise on the growth of online shopping, retailers must prioritise a seamless and secure checkout experience, with unclear fees, account creation, or poor design likely leading to cart abandonment. The checkout must be seen as more than a point of transaction and instead seen as a way to foster trust and loyalty, boosting conversion rates in the process.”
payabl. is a leading financial technology provider that offers a wide range of payments products, including card acquiring, multi-currency business accounts, local payment methods, and POS terminals. Offering companies the best ways to supercharge their growth with payments tech, smart fraud prevention, and dedicated customer support. payabl. is committed to fast and secure payments with one-click payment technology and 24/7 fraud prevention technology.
About payabl.
Established in 2011, payabl. is a leading financial technology provider with offices in Germany, the Netherlands, Cyprus, and the UK. The company offers a comprehensive range of payment products, including card acquiring, business accounts, integration to over 300 local payment methods, and POS terminals. payabl. offers its customers a high-tech, high-touch approach, providing future-proofed payment solutions to merchants from a wide range of sectors around the world. With unrivalled experience in helping clients navigate the complexity of an ever-evolving payments environment, payabl. is the trusted partner for the world’s most innovative merchants to unlock growth. To learn more, visit: payabl.com
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