Mobile Payments at the Service Station| Verdict Trend Report

Pages: 50 Published: July 01, 2015 Report Code: VR0013TR

Plan future strategies by examining the benefits and potential barriers to the adoption of mobile payments at the forecourt. Identify future mobile payment trends and how you can take advantage of them Examine how other retailers use mobile payments at the forecourt and benchmark them against your current offerings. Analyse current motorist mobile payment spend and frequency to correctly set payment limits at the forecourt.


Only 13.3% of motorists across Europe use mobile payments at the forecourt, due to the lack of service stations accepting this payment type. With motorists also being limited to a maximum spend of around £20 (dependent on local currency) per transaction, many are unable to use mobile payment methods, even if they have set them up.

Italy has the highest spend on mobile payments per transaction across the top five European countries at €26.79 due to the number of smaller vehicles and scooters in the national parc, that have smaller tanks making their refuel cost eligible as it comes under the transaction limit.

European motorists who use mobile payments do so twice a month on average. With the maximum spend using mobile payments being so low, many motorists will only be able to use this payment type if they are not refuelling their tank fully or visiting the shop for food and drink items, limiting its use at the forecourt.

Reasons to Buy

What are the current trends in mobile payments at the forecourt And how can retailers take advantage of them

How much does the average motorist spend per mobile payment at the forecourt and how often do they currently use it

What are the benefits for fuel retailers of implementing mobile payment methods at the forecourt

What are the barriers to mobile payment uptake at the forecourt and what are the solutions to these issues

How will future mobile payment trends affect the market and how can fuel retailers take advantage of them

Table of Contents

1 Overview

2 Summary

2.1 Smartphone ownership to rise and drive increase in mobile payments

2.2 Retailers increasingly accept mobile payments

2.3 Mobile payments bring advantages to the forecourt

2.4 Increase to pay limit will have little effect on mobile payments at the forecourt

2.5 Security concerns one of the main barriers to mobile payment uptake

2.6 Difficulty in changing payment habits is a barrier to mobile payments

3 Types of Mobile Payments

3.1 Remote payments

3.2 Proximity payments

3.2.1 Contactless payments

3.2.2 Mobile wallets

4 Current Mobile Payment Trends

4.1 Growing smartphone usage

4.1.1 Increased number of smartphones across the globe will facilitate mobile payments

4.1.2 Current smartphone users will also increase mobile payment usage

4.1.3 More phones being sold with built-in NFC

4.2 Apple Pay is changing the landscape of mobile payments

4.2.1 Apple Pay making mobile payments even easier for clients

4.2.2 Apple Pay appeals to businesses through international coverage and no spending limit

4.3 Retailers investing in mobile payments

4.3.1 Increase in the number of retailers accepting mobile payments

4.3.2 Pump manufacturer Tokheim has begun offering mobile payments

4.4 Rising pay limit

4.4.1 UK contactless pay limit to rise to £30 in September 2015

5 Applications of Mobile Technology

5.1 Unmanned service stations

5.1.1 Mobile payments will facilitate the opening of unmanned sites

5.1.2 Cut down investment costs through mobile payments

5.1.3 Allay motorist security concerns through mobile payments

5.2 Car wash

5.2.1 Car wash facilities help retailers to remain competitive

5.2.2 Lack of on hand staff could lead to technical problems

5.3 Fuel cards

5.3.1 Mobile payments help fleets' time-efficiency

5.3.2 Mobile payments more secure than some fuel cards

5.3.3 Mobile payments reduce transaction costs for retailers

5.3.4 Targeting drivers through mobile payments will boost fuel card volumes

5.4 Loyalty cards and scheme participation

5.4.1 Loyalty schemes increasingly used to entice motorists

5.4.2 Mobile payments increase the likeliness of repeat business

5.4.3 Mobile payments solve limited wallet space issues

5.4.4 Motorists will be able to take part in more loyalty schemes

5.4.5 Potential for motorists to forget about loyalty schemes

5.5 Targeted loyalty schemes

5.5.1 Mobile payments provide purchase behaviour information

5.5.2 Time-sensitive advertisements allow for specific targeting

5.5.3 Weather-specific offers used to increase sales at the forecourt

6 Current Mobile Payment Usages

6.1 Shell creating a payment app with PayPal

6.1.1 Shell creates mobile payment app

6.1.2 Shell can build loyalty through its payment app

6.1.3 Maximum spend limit could stall uptake of the Shell app

6.1.4 Mobile payment app restricts sale of food and drink

6.1.5 Easy to operate app crucial to motorist uptake

6.1.6 Mobile payments provide distinct advantage for fuel cards

6.2 PKN Orlen in Germany and Carrefour in France introduce contactless payments

6.2.1 Contactless payments make it easy to adjust payment habits

6.2.2 Older generation will struggle to adapt to new technology

6.2.3 Food and drink sales maintained through placing of contactless terminal

6.2.4 Marketing the benefits of contactless key to habit changes

6.2.5 Low maximum spend hinders contactless uptake

6.2.6 Fuel card clients can make easy transition to contactless

6.3 LUKOIL accepts SpectroCoin mobile wallet that can use bitcoins

6.3.1 LUKOIL receives local currency not bitcoins

6.3.2 bitcoin future unstable

6.3.3 Lack of sites accepting bitcoins will halt payment uptake

7 Barriers to B2C Uptake of Mobile Payments

7.1 Current pay limits make it difficult to use at the forecourt

7.1.1 Low maximum spend limits mobile payments in majority of European markets

7.1.2 Payment limits to become obsolete over coming years

7.1.3 Mobile payment spend limits restrict use to non-fuel forecourt items

7.2 Technological issues

7.2.1 Technological issues can discourage motorists from using new payment types

7.2.2 Mobile payments allow the opening of more unmanned stations

7.2.3 Easy to follow interface key to uptake

7.2.4 Older motorists may struggle with new technology

7.3 Breaking payment habits

7.3.1 Changing payment habits key to uptake

7.3.2 Lack of places to use mobile payments

8 Barriers to B2B Uptake of Mobile Payments

8.1 Fleets would have to invest in NFC-enabled smartphones

8.1.1 Mobile payments require investment in smartphones

8.1.2 High replacement costs

8.1.3 Security levels not high enough to warrant switch

8.1.4 Faster payment times provide limited commercial benefits

8.2 Lack of third-party coverage

8.2.1 Lack of third-party coverage across Europe

8.2.2 Using two payment types is impractical for commercial drivers

8.3 No Europe-wide coverage

8.3.1 Domestic-only app makes it impractical for commercial use

8.3.2 Apple Pay provides global coverage

9 Future Mobile Payment Trends

9.1 Simplified payment systems

9.1.1 Motorists will need faster payment

9.1.2 Automatically linking app and phone will bring advantages

9.2 Biometric scanning significantly increases security

9.2.1 Biometric smartphone technology will make payments more secure

9.2.2 Biometric will be the ultimate tool in fraud prevention

9.2.3 Biometrics will allow for payment limits to rise significantly

9.3 Europe-wide coverage

9.3.1 Creating European partners will bring in commercial clients

9.3.2 Multiple purpose payment apps will be more attractive to motorists

10 Consumer Payment Trends

10.1 Mobile payment usage

10.1.1 Over 80% of motorists across Europe do not use mobile payments

10.2 Mobile payment usage frequency

10.2.1 Over 20% of motorists using mobile payments use it twice a month when visiting the forecourt

10.3 Mobile payment average spend

10.3.1 Turkey spends the most on mobile payments across Europe per visit

10.3.2 Of the top five markets in Europe, Italy spends the most per mobile payment transaction

10.3.3 On average, motorists' mobile payment spend at the forecourt is €20.18

11 Methodology

11.1 Stage one: primary research

11.1.1 Verdict Motorist Survey

11.1.2 Interviews

11.2 Stage two: secondary research

11.3 Stage three: data modelling

11.4 Stage four: data finalisation

12 Appendix

12.1 About Verdict Retail

12.2 Disclaimer

List of Tables

Table 1: Average fuel spend per visit to the forecourt by country (€), 2014

Table 2:Proportion of motorists that have used mobile payments by country (%), 2014

Table 3: Frequency of mobile payment usage per month by country (%), 2014

Table 4: Average motorist mobile payment value per visit by country (€), 2014

List of Figures

Figure 1: Apple Pay mobile wallet loyalty cards, 2015

Figure 2: Main reasons for not adopting mobile payments (%), 2014

Figure 3: NFC-enabled smartphone, 2015

Figure 4: Unmanned service station, 2015

Figure 5: Rollover car wash installation, 2015

Figure 6: Starbucks loyalty card

Figure 7: Shell mobile payment app, 2015

Figure 8: Contactless payment, 2015

Figure 9: bitcoin logo, 2015

Figure 10: Broken forecourt pump, 2015

Figure 11: Smartphone using Shell app, 2015

Figure 12: Automatic sign up process, 2015

Figure 13: Biometric scanning feature on the iPhone, 2015

Figure 14: No payment limits with biometric scanning, 2015

Figure 15: Proportion of European motorists that use mobile payments (%), 2014

Figure 16: Frequency of mobile payment usage per month across Europe (%), 2014

Figure 17: Average motorist mobile payment value in the top five European markets (€), 2014

Figure 18: Average motorist mobile payment value by country (€), 2014


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