{"id":6047,"date":"2023-10-04T14:47:13","date_gmt":"2023-10-04T12:47:13","guid":{"rendered":"https:\/\/paynopain.com\/new-payment-habits-in-spain-2023-the-card-and-smartphone-era\/"},"modified":"2025-11-14T09:57:30","modified_gmt":"2025-11-14T08:57:30","slug":"new-payment-habits-in-spain-2023-the-card-and-smartphone-era","status":"publish","type":"post","link":"https:\/\/paynopain.com\/en\/blog\/new-payment-habits-in-spain-2023-the-card-and-smartphone-era\/","title":{"rendered":"New habits in payment methods in Spain 2023: the era of the card and the smartphone."},"content":{"rendered":"\n

In the digital era, the way we manage our money is undergoing a fundamental change. The recent survey “New habits in payment methods in Spain 2023″<\/em>, which we launched a few months ago fromPaynoPain<\/a>, as experts in payment methods, has shed light on how Spaniards are evolving in their payment preferences. Below, we will analyze some key findings of this revealing study:<\/p>\n\n

<\/span>The card, the favorite method of Spaniards.<\/span><\/h2>\n\n

Our study reveals that the shift we have been perceiving in recent years towards digital and contactless payment trends is becoming more and more accentuated. <\/p>\n\n

On a day-to-day basis<\/strong>, the favorite payment method of those surveyed to make payments is the card<\/strong> with almost 60%, 60%<\/strong>followed by payment through wallets such as Apple Pay <\/a>or Google Pay <\/a>with more than 25%,<\/strong>thus covering 85% of respondents. In third place, with 12% is cash.<\/p>\n\n

On the other hand, 80.7% of respondents say that they carry some cash in their wallet, but the amount would not exceed 10 euros. In addition, 55%<\/strong> of respondents saythey arely make cash payments in physical stores.<\/strong> This shift marks a clear trend towards the convenience and security of cards at the expense of cash. <\/p>\n\n

<\/span>When traveling, cards, mobile payments and neo-bank payments<\/span><\/h2>\n\n

During their travels, 87,6% of Spaniards also prefer to use credit and\/or debit card,<\/strong>significantly surpassing cash, which is only chosen by 20%. In addition, almost half of respondents (46%) say they use services such as Apple Pay or Google Pay during their travels, demonstrating the convenience of mobile payments everywhere.<\/p>\n\n

In addition, during stays abroad, 66.5% of travelers say they prefer to use their bank cards, followed by 18.5% who opt to use a neo-bank card, such as Revolut or N26, which allow them to control currency exchanges during their stay abroad. <\/p>\n\n

<\/span>Security above all else<\/span><\/h2>\n\n

The results also show that Spaniards place a high value on the security of their transactions. A total of 59,4% of respondents consider payment security to be of the utmost importance,<\/strong> outweighing other aspects such as additional bank costs and overspending.<\/p>\n\n

Furthermore, according to the study, 38,6% of Spaniards have fallen into the networks of cybercriminals,<\/strong> while 38.1% have avoided it, but have suffered “some attempt”. In other words, only 4 out of 10 people have been able to live with peace of mind when paying online. This underscores the urgent need for merchants to offer a secure payment experience <\/strong>to maintain consumer confidence and ensure worry-free transactions in the digital age.<\/p>\n\n

<\/span>Online shopping drives retail<\/span><\/h2>\n\n

Over the past few years we have observed that e-commerce is steadily growing, and this study reinforces that trend.64% of respondents prefer to buy fashion and accessories online,<\/strong> surpassing even travel and accommodation by two percentage points. This data underscores the importance of the retail sector in today’s digital economy. E-commerce has become a determining factor for business growth, and Spanish consumers have embraced it significantly.<\/p>\n\n

<\/span>The phone becomes the new wallet<\/span><\/h2>\n\n

Cell phones are changing the way we make payments According to the survey, a staggering 78,1%<\/strong>of respondentshave made at least one payment via their cell phone.<\/strong> Not only that, but a third of respondents prefer this payment method when making purchases in physical establishments.<\/p>\n\n

In terms of sectors,food and supermarkets lead in mobile payments (68.5%), followed by hotels and restaurants (60.3%), and fashion and accessories (45.7%). <\/strong> <\/p>\n\n

<\/span>The future lies in convenience and technology<\/span><\/h2>\n\n

In summary, the recent survey launched by PaynoPain indicates a clear trend among users to embrace convenience and security in the most modern payment methods. Credit\/debit cards and smartphones are gradually displacing cash, while the security of the payment system is becoming more and more important. E-commerce is flourishing, especially in the retail sector, underlining the importance of digitalization in business. <\/p>\n\n

According to users’ own forecasts for the future, almost 52% are betting on biometric payments such as face, iris or fingerprint as the payment method of the future, followed by smartphone payments or digital wallets, which are already a reality. The future of payments in Spain seems to be strongly rooted in convenience and technology. <\/p>\n","protected":false},"excerpt":{"rendered":"

In the digital era, the way we manage our money is undergoing a fundamental change. The recent survey “New habits in payment methods in Spain 2023″, which we launched a few months ago fromPaynoPain, as experts in payment methods, has shed light on how Spaniards are evolving in their payment preferences. Below, we will analyze […]<\/p>\n","protected":false},"author":3,"featured_media":5615,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[76],"tags":[],"class_list":["post-6047","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"acf":[],"yoast_head":"\n\u200b\u200bNew habits in payment methods in Spain 2023- PaynoPain<\/title>\n<meta name=\"description\" content=\"The study analyzes user preferences when making payments in online and physical stores.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/paynopain.com\/en\/blog\/new-payment-habits-in-spain-2023-the-card-and-smartphone-era\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u200b\u200bNew habits in payment methods in Spain 2023- PaynoPain\" \/>\n<meta property=\"og:description\" content=\"The study analyzes user preferences when making payments in online and physical stores.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/paynopain.com\/en\/blog\/new-payment-habits-in-spain-2023-the-card-and-smartphone-era\/\" \/>\n<meta property=\"og:site_name\" content=\"PaynoPain\" \/>\n<meta property=\"article:published_time\" content=\"2023-10-04T12:47:13+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-14T08:57:30+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/paynopain.com\/wp-content\/uploads\/2025\/10\/tendencias-de-pago-2023-espana-5.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"650\" \/>\n\t<meta property=\"og:image:height\" content=\"433\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"PaynoPain\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"PaynoPain\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/paynopain.com\\\/en\\\/blog\\\/new-payment-habits-in-spain-2023-the-card-and-smartphone-era\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/paynopain.com\\\/en\\\/blog\\\/new-payment-habits-in-spain-2023-the-card-and-smartphone-era\\\/\"},\"author\":{\"name\":\"PaynoPain\",\"@id\":\"https:\\\/\\\/paynopain.com\\\/en\\\/#\\\/schema\\\/person\\\/438e34e7447495be4ab18e62a4e81950\"},\"headline\":\"New habits in payment methods in Spain 2023: the era of the card and the smartphone.\",\"datePublished\":\"2023-10-04T12:47:13+00:00\",\"dateModified\":\"2025-11-14T08:57:30+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/paynopain.com\\\/en\\\/blog\\\/new-payment-habits-in-spain-2023-the-card-and-smartphone-era\\\/\"},\"wordCount\":676,\"image\":{\"@id\":\"https:\\\/\\\/paynopain.com\\\/en\\\/blog\\\/new-payment-habits-in-spain-2023-the-card-and-smartphone-era\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/paynopain.com\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/tendencias-de-pago-2023-espana-5.jpg\",\"articleSection\":[\"News\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/paynopain.com\\\/en\\\/blog\\\/new-payment-habits-in-spain-2023-the-card-and-smartphone-era\\\/\",\"url\":\"https:\\\/\\\/paynopain.com\\\/en\\\/blog\\\/new-payment-habits-in-spain-2023-the-card-and-smartphone-era\\\/\",\"name\":\"\u200b\u200bNew habits in payment methods in Spain 2023- PaynoPain\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/paynopain.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/paynopain.com\\\/en\\\/blog\\\/new-payment-habits-in-spain-2023-the-card-and-smartphone-era\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/paynopain.com\\\/en\\\/blog\\\/new-payment-habits-in-spain-2023-the-card-and-smartphone-era\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/paynopain.com\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/tendencias-de-pago-2023-espana-5.jpg\",\"datePublished\":\"2023-10-04T12:47:13+00:00\",\"dateModified\":\"2025-11-14T08:57:30+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/paynopain.com\\\/en\\\/#\\\/schema\\\/person\\\/438e34e7447495be4ab18e62a4e81950\"},\"description\":\"The study analyzes user preferences when making payments in online and physical stores.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/paynopain.com\\\/en\\\/blog\\\/new-payment-habits-in-spain-2023-the-card-and-smartphone-era\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/paynopain.com\\\/en\\\/blog\\\/new-payment-habits-in-spain-2023-the-card-and-smartphone-era\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/paynopain.com\\\/en\\\/blog\\\/new-payment-habits-in-spain-2023-the-card-and-smartphone-era\\\/#primaryimage\",\"url\":\"https:\\\/\\\/paynopain.com\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/tendencias-de-pago-2023-espana-5.jpg\",\"contentUrl\":\"https:\\\/\\\/paynopain.com\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/tendencias-de-pago-2023-espana-5.jpg\",\"width\":650,\"height\":433,\"caption\":\"preferencias-de-pago-usuarios-espa\u00f1a-2023\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/paynopain.com\\\/en\\\/blog\\\/new-payment-habits-in-spain-2023-the-card-and-smartphone-era\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\\\/\\\/paynopain.com\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"New habits in payment methods in Spain 2023: the era of the card and the smartphone.\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/paynopain.com\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/paynopain.com\\\/en\\\/\",\"name\":\"PaynoPain\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/paynopain.com\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/paynopain.com\\\/en\\\/#\\\/schema\\\/person\\\/438e34e7447495be4ab18e62a4e81950\",\"name\":\"PaynoPain\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/97a3da4e42d15f44bbebd49041529f9aad1d5cee6c088d8e2063b312816ec744?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/97a3da4e42d15f44bbebd49041529f9aad1d5cee6c088d8e2063b312816ec744?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/97a3da4e42d15f44bbebd49041529f9aad1d5cee6c088d8e2063b312816ec744?s=96&d=mm&r=g\",\"caption\":\"PaynoPain\"},\"description\":\"PaynoPain es una pasarela de pagos integral y omnicanal que ofrece a nuestros clientes una interfaz adaptable, segura y r\u00e1pida. Nuestro objetivo es garantizar una experiencia de usuario \u00e1gil e intuitiva, para que el proceso de pago sea sencillo y r\u00e1pido desde cualquier dispositivo.\",\"url\":\"https:\\\/\\\/paynopain.com\\\/en\\\/blog\\\/author\\\/paynopain\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"\u200b\u200bNew habits in payment methods in Spain 2023- PaynoPain","description":"The study analyzes user preferences when making payments in online and physical stores.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/paynopain.com\/en\/blog\/new-payment-habits-in-spain-2023-the-card-and-smartphone-era\/","og_locale":"en_US","og_type":"article","og_title":"\u200b\u200bNew habits in payment methods in Spain 2023- PaynoPain","og_description":"The study analyzes user preferences when making payments in online and physical stores.","og_url":"https:\/\/paynopain.com\/en\/blog\/new-payment-habits-in-spain-2023-the-card-and-smartphone-era\/","og_site_name":"PaynoPain","article_published_time":"2023-10-04T12:47:13+00:00","article_modified_time":"2025-11-14T08:57:30+00:00","og_image":[{"width":650,"height":433,"url":"https:\/\/paynopain.com\/wp-content\/uploads\/2025\/10\/tendencias-de-pago-2023-espana-5.jpg","type":"image\/jpeg"}],"author":"PaynoPain","twitter_card":"summary_large_image","twitter_misc":{"Written by":"PaynoPain","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/paynopain.com\/en\/blog\/new-payment-habits-in-spain-2023-the-card-and-smartphone-era\/#article","isPartOf":{"@id":"https:\/\/paynopain.com\/en\/blog\/new-payment-habits-in-spain-2023-the-card-and-smartphone-era\/"},"author":{"name":"PaynoPain","@id":"https:\/\/paynopain.com\/en\/#\/schema\/person\/438e34e7447495be4ab18e62a4e81950"},"headline":"New habits in payment methods in Spain 2023: the era of the card and the smartphone.","datePublished":"2023-10-04T12:47:13+00:00","dateModified":"2025-11-14T08:57:30+00:00","mainEntityOfPage":{"@id":"https:\/\/paynopain.com\/en\/blog\/new-payment-habits-in-spain-2023-the-card-and-smartphone-era\/"},"wordCount":676,"image":{"@id":"https:\/\/paynopain.com\/en\/blog\/new-payment-habits-in-spain-2023-the-card-and-smartphone-era\/#primaryimage"},"thumbnailUrl":"https:\/\/paynopain.com\/wp-content\/uploads\/2025\/10\/tendencias-de-pago-2023-espana-5.jpg","articleSection":["News"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/paynopain.com\/en\/blog\/new-payment-habits-in-spain-2023-the-card-and-smartphone-era\/","url":"https:\/\/paynopain.com\/en\/blog\/new-payment-habits-in-spain-2023-the-card-and-smartphone-era\/","name":"\u200b\u200bNew habits in payment methods in Spain 2023- PaynoPain","isPartOf":{"@id":"https:\/\/paynopain.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/paynopain.com\/en\/blog\/new-payment-habits-in-spain-2023-the-card-and-smartphone-era\/#primaryimage"},"image":{"@id":"https:\/\/paynopain.com\/en\/blog\/new-payment-habits-in-spain-2023-the-card-and-smartphone-era\/#primaryimage"},"thumbnailUrl":"https:\/\/paynopain.com\/wp-content\/uploads\/2025\/10\/tendencias-de-pago-2023-espana-5.jpg","datePublished":"2023-10-04T12:47:13+00:00","dateModified":"2025-11-14T08:57:30+00:00","author":{"@id":"https:\/\/paynopain.com\/en\/#\/schema\/person\/438e34e7447495be4ab18e62a4e81950"},"description":"The study analyzes user preferences when making payments in online and physical stores.","breadcrumb":{"@id":"https:\/\/paynopain.com\/en\/blog\/new-payment-habits-in-spain-2023-the-card-and-smartphone-era\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/paynopain.com\/en\/blog\/new-payment-habits-in-spain-2023-the-card-and-smartphone-era\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/paynopain.com\/en\/blog\/new-payment-habits-in-spain-2023-the-card-and-smartphone-era\/#primaryimage","url":"https:\/\/paynopain.com\/wp-content\/uploads\/2025\/10\/tendencias-de-pago-2023-espana-5.jpg","contentUrl":"https:\/\/paynopain.com\/wp-content\/uploads\/2025\/10\/tendencias-de-pago-2023-espana-5.jpg","width":650,"height":433,"caption":"preferencias-de-pago-usuarios-espa\u00f1a-2023"},{"@type":"BreadcrumbList","@id":"https:\/\/paynopain.com\/en\/blog\/new-payment-habits-in-spain-2023-the-card-and-smartphone-era\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/paynopain.com\/en\/"},{"@type":"ListItem","position":2,"name":"New habits in payment methods in Spain 2023: the era of the card and the smartphone."}]},{"@type":"WebSite","@id":"https:\/\/paynopain.com\/en\/#website","url":"https:\/\/paynopain.com\/en\/","name":"PaynoPain","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/paynopain.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/paynopain.com\/en\/#\/schema\/person\/438e34e7447495be4ab18e62a4e81950","name":"PaynoPain","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/97a3da4e42d15f44bbebd49041529f9aad1d5cee6c088d8e2063b312816ec744?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/97a3da4e42d15f44bbebd49041529f9aad1d5cee6c088d8e2063b312816ec744?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/97a3da4e42d15f44bbebd49041529f9aad1d5cee6c088d8e2063b312816ec744?s=96&d=mm&r=g","caption":"PaynoPain"},"description":"PaynoPain es una pasarela de pagos integral y omnicanal que ofrece a nuestros clientes una interfaz adaptable, segura y r\u00e1pida. Nuestro objetivo es garantizar una experiencia de usuario \u00e1gil e intuitiva, para que el proceso de pago sea sencillo y r\u00e1pido desde cualquier dispositivo.","url":"https:\/\/paynopain.com\/en\/blog\/author\/paynopain\/"}]}},"_links":{"self":[{"href":"https:\/\/paynopain.com\/en\/wp-json\/wp\/v2\/posts\/6047","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/paynopain.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/paynopain.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/paynopain.com\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/paynopain.com\/en\/wp-json\/wp\/v2\/comments?post=6047"}],"version-history":[{"count":2,"href":"https:\/\/paynopain.com\/en\/wp-json\/wp\/v2\/posts\/6047\/revisions"}],"predecessor-version":[{"id":12942,"href":"https:\/\/paynopain.com\/en\/wp-json\/wp\/v2\/posts\/6047\/revisions\/12942"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/paynopain.com\/en\/wp-json\/wp\/v2\/media\/5615"}],"wp:attachment":[{"href":"https:\/\/paynopain.com\/en\/wp-json\/wp\/v2\/media?parent=6047"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/paynopain.com\/en\/wp-json\/wp\/v2\/categories?post=6047"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/paynopain.com\/en\/wp-json\/wp\/v2\/tags?post=6047"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}