A European Central Bank survey found that only 0.2% of companies selling goods and services online accept crypto assets, while acceptance of crypto assets and stablecoins at physical points of sale remained below 1% in 2024 and 2026. According to Odaily, the survey covered 8,205 retail, restaurant, hotel, and entertainment businesses across 21 eurozone countries.

The survey showed that acceptance of mobile payments at physical locations rose from 36% in 2024 to 68% in 2026. Cash acceptance increased from 90% to 92%, physical card acceptance rose from 87% to 88%, and bank check acceptance fell from 36% to 27%.

Among the businesses surveyed, consumer preference was the most important factor in choosing payment methods at 26%, followed by security at 22% and ease of use at 15%. Among firms that do not accept cash, 36% cited insufficient customer demand, 35% said accessing or depositing cash was difficult, and 29% mentioned security risks.