Visa, Mastercard, Amex, Diners market share against each other in Europe 2015-2022

When comparing the four big international card brands available, the importance of Visa in Europe declined between 2021 and 2020 in favor of Mastercard. This has been an ongoing trend for the payment brand, as its market share declined by 10 percentage points between 2015 and 2020. Note, however, that this market share is solely based on the number of purchase transactions done with Visa, MasterCard, American Express or Diners Club only - as domestic solutions were not included. This way, the source is effectively saying that out of the global network cards Visa ranks higher than Mastercard. It does not mention, however, how these purchase transaction compares against payments outside of these four brands. This is an important observation, as some domestic payment solutions - such as Italy's Bancomat or Germany's Girocard - have a much higher market share than either Visa or Mastercard.

在欧洲地区，相较于其他四大国际信用卡品牌，维萨（Visa）的重要性在2021年相较于2020年有所下降，转而向万事达卡（Mastercard）倾斜。这一趋势对于支付品牌而言已持续多年，其市场份额在2015年至2020年期间下降了10个百分点。然而，需要注意的是，这一市场份额仅基于使用维萨、万事达卡、美国运通或大来俱乐部（Diners Club）进行的购买交易数量——国内解决方案并未包含在内。因此，资料来源实际上是在表明，在全球网络卡领域，维萨的排名高于万事达卡。然而，它并未提及这些购买交易与这四家品牌之外支付方式的比较情况。这一观察结果至关重要，因为一些国内支付解决方案——例如意大利的Bancomat或德国的Girocard——的市场份额远高于维萨或万事达卡。