Europe Local Payment Playbook: SEPA, National Wallets, and Strong Customer Authentication
Europe unified the clearing layer, not the payment method layer. Dutch shoppers use iDEAL, Belgian shoppers use Bancontact, Polish shoppers use BLIK. This playbook goes country by country through dominant local methods, mechanism types, and settlement traits, then covers direct debit mandates, why German bank redirects disappeared, and how SCA exemptions drive checkout conversion.