The PAY dataset currently contains information on:
- Statistics on high level total payment transactions and fraudulent payment transactions sent and received (e.g. total credit transfers, total direct debits, etc.)
- Euro area aggregates
National data are collected and compiled by EU NCBs
Quarterly or semi-annual
For information about the naming convention (series key dimensions and metadata), refer to the PAY underlying DSD (ECB_PAY1) maintained by the ECB.
Pure number, EUR (euro area Member States) and domestic currencies (non-euro area Member States)
Structured Feedback Reports and confirmation of data by NCBs
Revisions to historical data are transmitted alongside data reported for the latest reference period
Payments transactions (key indicators)
National Central Banks in the European Union
DG-S Financial Statistics (MOE/FINS)
Logical and plausibility checking
Data are published 7 months after the reference period for semi-annual data. Quarterly data is published together with the semi-annual data (data for two quarters published at a time).
ECB’s Statistical Data Warehouse; time series to the ESCB; updated documentation in the ECB’s website
Disclaimer on Fraud Data
The accuracy and correctness of the data depends on the data quality reported by the responsible reporting agents. Owing to the sensitive nature of fraud-related data, any representations, analyses or interpretations derived from this data should be approached and evaluated with caution and prudence. This will help avoid drawing premature or imprudent conclusions due to information that may be contextually limited, potentially incomplete, or wrongly classified. As is generally the case for the most recent releases of payments statistics and other statistical datasets, fraud data for the latest reference period are flagged as provisional and may be subject to revisions, more so than for earlier reference periods. Furthermore, the ECB publishes an annual joint report on payment fraud with the European Banking Authority. The first joint report was published in August 2024 with the next edition planned for end-2025.
The reporting requirements were laid down in the:
Regulation ECB/2020/59 amending Regulation ECB 2013/43 on payment statistics
Guideline ECB/2021/13 on reporting requirements on payments statistics
Download the series catalogue containing a full list of series and associated metadata of the dataset PAY in CSV format (zipped)