The payment methods Luxembourg customers expect
Luxembourg shoppers expect to pay with Payconiq or Bancontact, with Visa and Mastercard as a backup. A shop that only takes international cards or relies on bank transfer loses customers at checkout.
- Payconiq: the most familiar wallet in Luxembourg
- Bancontact: the national debit card, often combined with Visa
- Visa and Mastercard: cards for everything else
- Klarna or invoice: for larger baskets
- Apple Pay: fast mobile checkout
Choosing a provider
Luxembourg providers such as Nets (Nexi), Quickpay and Frisbii (Reepay) cover Payconiq and Bancontact in one contract, while Stripe and Adyen suit international sales. Compare transaction fees, payout speed and support in Luxembourg.
Moms, invoices and the law
Prices to consumers must include 25% TVA, and consumers have a 14-day right of withdrawal on most online purchases under Luxembourg consumer law. Connect your shop to your accounting tool so invoices and reconciliation are automatic.
Security and trust
Card data should never touch your own server: use a hosted payment window or fields. Strong Customer Authentication (3-D Secure) is required for most card payments in the EEA, and a trust mark such as e-mærket adds confidence.