Consumer Foodservice in Hungary
Market Direction I 2024-02-15 I 93 Pages I Euromonitor
The high rate of inflation remained a topic of great concern to consumers and business owners in 2023, with Hungary recording one of the highest rates seen in the EU. Consumer foodservice outlets have been challenged with managing higher expenses for energy, ingredients and labour. In addition, players have had to ensure they do not deter price-sensitive customers, many who have re-evaluated their family budgets and made eating out a lower priority. With tourism gradually returning to pre-pandem...
Euromonitor International's Consumer Foodservice in Hungary report offers a comprehensive guide to the size and shape of the market at a national level. It provides foodservice sales, the number of outlets and the number of transactions by sector, allowing you to identify the foodservice sectors driving growth. It identifies the leading companies, the leading brands and offers strategic analysis of key factors influencing the market - be they eating habits, lifestyle changes, tourism spending or legislative issues. Forecasts to 2028 illustrate how the market is set to change.
Product coverage: Consumer Foodservice by Fulfillment, Consumer Foodservice by Location, Consumer Foodservice by Ordering Platform, Consumer Foodservice by Type.
Data coverage: market sizes (historic and forecasts), company shares, brand shares and distribution data.
Why buy this report?
* Get a detailed picture of the Consumer Foodservice market;
* Pinpoint growth sectors and identify factors driving change;
* Understand the competitive environment, the market's major players and leading brands;
* Use five-year forecasts to assess how the market is predicted to develop.
Euromonitor International has over 40 years' experience of publishing market research reports, business reference books and online information systems. With offices in London, Chicago, Singapore, Shanghai, Vilnius, Dubai, Cape Town, Santiago, Sydney, Tokyo and Bangalore and a network of over 800 analysts worldwide, Euromonitor International has a unique capability to develop reliable information resources to help drive informed strategic planning.
Consumer Foodservice in Hungary
Euromonitor International
February 2024
List Of Contents And Tables
CONSUMER FOODSERVICE IN HUNGARY
EXECUTIVE SUMMARY
Consumer foodservice in 2023: The big picture is with mixed feelings
2023 key trends
Competitive landscape
Independent foodservice developments
What next for consumer foodservice?
MARKET DATA
Table 1 Units, Transactions and Value Sales in Consumer Foodservice 2018-2023
Table 2 Units, Transactions and Value Sales in Consumer Foodservice: % Growth 2018-2023
Table 3 Consumer Foodservice by Independent vs Chained by Type: Units/Outlets 2023
Table 4 Consumer Foodservice by Independent vs Chained: % Foodservice Value 2018-2023
Table 5 Sales in Consumer Foodservice by Food vs Drink Split: % Foodservice Value 2018-2023
Table 6 Sales in Consumer Foodservice by Food vs Drink Split by Type: % Foodservice Value 2023
Table 7 Sales in Consumer Foodservice by Location: % Foodservice Value 2018-2023
Table 8 GBO Company Shares in Chained Consumer Foodservice: % Foodservice Value 2019-2023
Table 9 GBN Brand Shares in Chained Consumer Foodservice: % Foodservice Value 2020-2023
Table 10 GBN Brand Shares in Chained Consumer Foodservice: Units/Outlets 2023
Table 11 Forecast Units, Transactions and Value Sales in Consumer Foodservice 2023-2028
Table 12 Forecast Units, Transactions and Value Sales in Consumer Foodservice: % Growth 2023-2028
DISCLAIMER
SOURCES
Summary 1 Research Sources
LIMITED-SERVICE RESTAURANTS IN HUNGARY
KEY DATA FINDINGS
2023 DEVELOPMENTS
Menu prices reach all-time high as inflation sends costs soaring
Home delivery is dominated by third party services
Meatless and vegan offerings gain broader appeal
PROSPECTS AND OPPORTUNITIES
Consistent outlet expansion is key to category growth
Revamping tradition: players look to menu innovations to stay competitive
Limited opportunity for new entrants in third party home delivery
CATEGORY DATA
Table 13 Limited-Service Restaurants by Category: Units/Outlets 2018-2023
Table 14 Sales in Limited-Service Restaurants by Category: Number of Transactions 2018-2023
Table 15 Sales in Limited-Service Restaurants by Category: Foodservice Value 2018-2023
Table 16 Limited-Service Restaurants by Category: % Units/Outlets Growth 2018-2023
Table 17 Sales in Limited-Service Restaurants by Category: % Transaction Growth 2018-2023
Table 18 Sales in Limited-Service Restaurants by Category: % Foodservice Value Growth 2018-2023
Table 19 GBO Company Shares in Chained Limited-Service Restaurants: % Foodservice Value 2019-2023
Table 20 GBN Brand Shares in Chained Limited-Service Restaurants: % Foodservice Value 2020-2023
Table 21 Forecast Limited-Service Restaurants by Category: Units/Outlets 2023-2028
Table 22 Forecast Sales in Limited-Service Restaurants by Category: Number of Transactions 2023-2028
Table 23 Forecast Sales in Limited-Service Restaurants by Category: Foodservice Value 2023-2028
Table 24 Forecast Limited-Service Restaurants by Category: % Units/Outlets Growth 2023-2028
Table 25 Forecast Sales in Limited-Service Restaurants by Category: % Transaction Growth 2023-2028
Table 26 Forecast Sales in Limited-Service Restaurants by Category: % Foodservice Value Growth 2023-2028
CAFES/BARS IN HUNGARY
KEY DATA FINDINGS
2023 DEVELOPMENTS
Cafes/bars struggle to recover to pre-pandemic sales levels
Prices in cafes reach a critical point
Erosion of pubs continues as craft breweries struggle to break through
PROSPECTS AND OPPORTUNITIES
Coca-Cola considers Costa Coffee relaunch
2024 sport and cultural events to lift sales in pubs
Chained outlets remain limited to a few specialist coffee brands
CATEGORY DATA
Table 27 Cafes/Bars by Category: Units/Outlets 2018-2023
Table 28 Sales in Cafes/Bars by Category: Number of Transactions 2018-2023
Table 29 Sales in Cafes/Bars by Category: Foodservice Value 2018-2023
Table 30 Cafes/Bars by Category: % Units/Outlets Growth 2018-2023
Table 31 Sales in Cafes/Bars by Category: % Transaction Growth 2018-2023
Table 32 Sales in Cafes/Bars by Category: % Foodservice Value Growth 2018-2023
Table 33 GBO Company Shares in Chained Cafes/Bars: % Foodservice Value 2019-2023
Table 34 GBN Brand Shares in Chained Cafes/Bars: % Foodservice Value 2020-2023
Table 35 Forecast Cafes/Bars by Category: Units/Outlets 2023-2028
Table 36 Forecast Sales in Cafes/Bars by Category: Number of Transactions 2023-2028
Table 37 Forecast Sales in Cafes/Bars by Category: Foodservice Value 2023-2028
Table 38 Forecast Cafes/Bars by Category: % Units/Outlets Growth 2023-2028
Table 39 Forecast Sales in Cafes/Bars by Category: % Transaction Growth 2023-2028
Table 40 Forecast Sales in Cafes/Bars by Category: % Foodservice Value Growth 2023-2028
FULL-SERVICE RESTAURANTS IN HUNGARY
KEY DATA FINDINGS
2023 DEVELOPMENTS
Inflation hits full-service restaurants hard
Fine dining and premium restaurants have weathered the pandemic well
Larger allowance on fringe benefit cards adds some stimulus
PROSPECTS AND OPPORTUNITIES
Shortage of professional staff and weak purchasing power to pose ongoing threat
Rebound in tourism from overseas markets paves the way for strong performance
Limited expansion opportunities for chained operators
CATEGORY DATA
Table 41 Full-Service Restaurants by Category: Units/Outlets 2018-2023
Table 42 Sales in Full-Service Restaurants by Category: Number of Transactions 2018-2023
Table 43 Sales in Full-Service Restaurants by Category: Foodservice Value 2018-2023
Table 44 Full-Service Restaurants by Category: % Units/Outlets Growth 2018-2023
Table 45 Sales in Full-Service Restaurants by Category: % Transaction Growth 2018-2023
Table 46 Sales in Full-Service Restaurants by Category: % Foodservice Value Growth 2018-2023
Table 47 GBO Company Shares in Chained Full-Service Restaurants: % Foodservice Value 2019-2023
Table 48 GBN Brand Shares in Chained Full-Service Restaurants: % Foodservice Value 2020-2023
Table 49 Forecast Full-Service Restaurants by Category: Units/Outlets 2023-2028
Table 50 Forecast Sales in Full-Service Restaurants by Category: Number of Transactions 2023-2028
Table 51 Forecast Sales in Full-Service Restaurants by Category: Foodservice Value 2023-2028
Table 52 Forecast Full-Service Restaurants by Category: % Units/Outlets Growth 2023-2028
Table 53 Forecast Sales in Full-Service Restaurants by Category: % Transaction Growth 2023-2028
Table 54 Forecast Sales in Full-Service Restaurants by Category: % Foodservice Value Growth 2023-2028
SELF-SERVICE CAFETERIAS IN HUNGARY
KEY DATA FINDINGS
2023 DEVELOPMENTS
Menu prices are aligned with inflationary trends
Ikea restaurant expands menu to include more plant-based and vegan menu options
Budget-friendly independent self-service cafeterias maintain popularity
PROSPECTS AND OPPORTUNITIES
Evolution of workplace trends will shape outlook for self-service cafeterias
Sustainable efforts to reduce plastic waste will emerge
Limited opportunities in chained segment
CATEGORY DATA
Table 55 Self-Service Cafeterias: Units/Outlets 2018-2023
Table 56 Sales in Self-Service Cafeterias: Number of Transactions 2018-2023
Table 57 Sales in Self-Service Cafeterias: Foodservice Value 2018-2023
Table 58 Sales in Self-Service Cafeterias: % Units/Outlets Growth 2018-2023
Table 59 Sales in Self-Service Cafeterias: % Transaction Growth 2018-2023
Table 60 Sales in Self-Service Cafeterias: % Foodservice Value Growth 2018-2023
Table 61 GBO Company Shares in Chained Self-Service Cafeterias: % Foodservice Value 2019-2023
Table 62 GBN Brand Shares in Chained Self-Service Cafeterias: % Foodservice Value 2020-2023
Table 63 Forecast Self-Service Cafeterias: Units/Outlets 2023-2028
Table 64 Forecast Sales in Self-Service Cafeterias: Number of Transactions 2023-2028
Table 65 Forecast Sales in Self-Service Cafeterias: Foodservice Value 2023-2028
Table 66 Forecast Self-Service Cafeterias: % Units/Outlets Growth 2023-2028
Table 67 Forecast Sales in Self-Service Cafeterias: % Transaction Growth 2023-2028
Table 68 Forecast Sales in Self-Service Cafeterias: % Foodservice Value Growth 2023-2028
STREET STALLS/KIOSKS IN HUNGARY
KEY DATA FINDINGS
2023 DEVELOPMENTS
Street stalls/kiosks buckle under weight of inflationary pressures
Tourism, festivals and local events lure back guests
Soaring costs force street stalls/kiosks closures
PROSPECTS AND OPPORTUNITIES
Slow recovery in outlet expansion post-pandemic
Opportunity for brand extensions through pop-up stalls
Premium street food offerings stimulate consumer interest
CATEGORY DATA
Table 69 Street Stalls/Kiosks: Units/Outlets 2018-2023
Table 70 Sales in Street Stalls/Kiosks: Number of Transactions 2018-2023
Table 71 Sales in Street Stalls/Kiosks: Foodservice Value 2018-2023
Table 72 Street Stalls/Kiosks: % Units/Outlets Growth 2018-2023
Table 73 Sales in Street Stalls/Kiosks: % Transaction Growth 2018-2023
Table 74 Sales in Street Stalls/Kiosks: % Foodservice Value Growth 2018-2023
Table 75 GBO Company Shares in Chained Street Stalls/Kiosks: % Foodservice Value 2019-2023
Table 76 GBN Brand Shares in Chained Street Stalls/Kiosks: % Foodservice Value 2020-2023
Table 77 Forecast Street Stalls/Kiosks: Units/Outlets 2023-2028
Table 78 Forecast Sales in Street Stalls/Kiosks: Number of Transactions 2023-2028
Table 79 Forecast Sales in Street Stalls/Kiosks: Foodservice Value 2023-2028
Table 80 Forecast Street Stalls/Kiosks: % Units/Outlets Growth 2023-2028
Table 81 Forecast Sales in Street Stalls/Kiosks: % Transaction Growth 2023-2028
Table 82 Forecast Sales in Street Stalls/Kiosks: % Foodservice Value Growth 2023-2028
CONSUMER FOODSERVICE BY LOCATION IN HUNGARY
KEY DATA FINDINGS
2023 DEVELOPMENTS
Foodservice outlets witness a recovery in most locations
Retail locations are still losing outlets
Rebound in tourism gives boost to foodservice
PROSPECTS AND OPPORTUNITIES
Regional tourism initiatives and travel infrastructure developments to reshape consumer foodservice landscape
Changes in real estate ownerships may shake up the retail and lodging locations
Greater energy efficiency to reduce gas and electricity bills set to prove crucial
CATEGORY DATA
Table 83 Consumer Foodservice by Location: Units/Outlets 2018-2023
Table 84 Sales in Consumer Foodservice by Location: Number of Transactions 2018-2023
Table 85 Sales in Consumer Foodservice by Location: Foodservice Value 2018-2023
Table 86 Consumer Foodservice by Location: % Units/Outlets Growth 2018-2023
Table 87 Sales in Consumer Foodservice by Location: % Transaction Growth 2018-2023
Table 88 Sales in Consumer Foodservice by Location: % Foodservice Value Growth 2018-2023
Table 89 Consumer Foodservice through Standalone: Units/Outlets 2018-2023
Table 90 Sales in Consumer Foodservice through Standalone: Number of Transactions 2018-2023
Table 91 Sales in Consumer Foodservice through Standalone: Foodservice Value 2018-2023
Table 92 Consumer Foodservice through Standalone: % Units/Outlets Growth 2018-2023
Table 93 Sales in Consumer Foodservice through Standalone: % Transaction Growth 2018-2023
Table 94 Sales in Consumer Foodservice through Standalone: % Foodservice Value Growth 2018-2023
Table 95 Consumer Foodservice through Leisure: Units/Outlets 2018-2023
Table 96 Sales in Consumer Foodservice through Leisure: Number of Transactions 2018-2023
Table 97 Sales in Consumer Foodservice through Leisure: Foodservice Value 2018-2023
Table 98 Consumer Foodservice through Leisure: % Units/Outlets Growth 2018-2023
Table 99 Sales in Consumer Foodservice through Leisure: % Transaction Growth 2018-2023
Table 100 Sales in Consumer Foodservice through Leisure: % Foodservice Value Growth 2018-2023
Table 101 Consumer Foodservice through Retail: Units/Outlets 2018-2023
Table 102 Sales in Consumer Foodservice through Retail: Number of Transactions 2018-2023
Table 103 Sales in Consumer Foodservice through Retail: Foodservice Value 2018-2023
Table 104 Consumer Foodservice through Retail: % Units/Outlets Growth 2018-2023
Table 105 Sales in Consumer Foodservice through Retail: % Transaction Growth 2018-2023
Table 106 Sales in Consumer Foodservice through Retail: % Foodservice Value Growth 2018-2023
Table 107 Consumer Foodservice through Lodging: Units/Outlets 2018-2023
Table 108 Sales in Consumer Foodservice through Lodging: Number of Transactions 2018-2023
Table 109 Sales in Consumer Foodservice through Lodging: Foodservice Value 2018-2023
Table 110 Consumer Foodservice through Lodging: % Units/Outlets Growth 2018-2023
Table 111 Sales in Consumer Foodservice through Lodging: % Transaction Growth 2018-2023
Table 112 Sales in Consumer Foodservice through Lodging: % Foodservice Value Growth 2018-2023
Table 113 Consumer Foodservice through Travel: Units/Outlets 2018-2023
Table 114 Sales in Consumer Foodservice through Travel: Number of Transactions 2018-2023
Table 115 Sales in Consumer Foodservice through Travel: Foodservice Value 2018-2023
Table 116 Consumer Foodservice through Travel: % Units/Outlets Growth 2018-2023
Table 117 Sales in Consumer Foodservice through Travel: % Transaction Growth 2018-2023
Table 118 Sales in Consumer Foodservice through Travel: % Foodservice Value Growth 2018-2023
Table 119 Forecast Consumer Foodservice by Location: Units/Outlets 2023-2028
Table 120 Forecast Sales in Consumer Foodservice by Location: Number of Transactions 2023-2028
Table 121 Forecast Sales in Consumer Foodservice by Location: Foodservice Value 2023-2028
Table 122 Forecast Consumer Foodservice by Location: % Units/Outlets Growth 2023-2028
Table 123 Forecast Sales in Consumer Foodservice by Location: % Transaction Growth 2023-2028
Table 124 Forecast Sales in Consumer Foodservice by Location: % Foodservice Value Growth 2023-2028
Table 125 Forecast Consumer Foodservice through Standalone: Units/Outlets 2023-2028
Table 126 Forecast Sales in Consumer Foodservice through Standalone: Number of Transactions 2023-2028
Table 127 Forecast Sales in Consumer Foodservice through Standalone: Foodservice Value 2023-2028
Table 128 Forecast Consumer Foodservice through Standalone: % Units/Outlets Growth 2023-2028
Table 129 Forecast Sales in Consumer Foodservice through Standalone: % Transaction Growth 2023-2028
Table 130 Forecast Sales in Consumer Foodservice through Standalone: % Foodservice Value Growth 2023-2028
Table 131 Forecast Consumer Foodservice through Leisure: Units/Outlets 2023-2028
Table 132 Forecast Sales in Consumer Foodservice through Leisure: Number of Transactions 2023-2028
Table 133 Forecast Sales in Consumer Foodservice through Leisure: Foodservice Value 2023-2028
Table 134 Forecast Consumer Foodservice through Leisure: % Units/Outlets Growth 2023-2028
Table 135 Forecast Sales in Consumer Foodservice through Leisure: % Transaction Growth 2023-2028
Table 136 Forecast Sales in Consumer Foodservice through Leisure: % Foodservice Value Growth 2023-2028
Table 137 Forecast Consumer Foodservice through Retail: Units/Outlets 2023-2028
Table 138 Forecast Sales in Consumer Foodservice through Retail: Number of Transactions 2023-2028
Table 139 Forecast Sales in Consumer Foodservice through Retail: Foodservice Value 2023-2028
Table 140 Forecast Consumer Foodservice through Retail: % Units/Outlets Growth 2023-2028
Table 141 Forecast Sales in Consumer Foodservice through Retail: % Transaction Growth 2023-2028
Table 142 Forecast Sales in Consumer Foodservice through Retail: % Foodservice Value Growth 2023-2028
Table 143 Forecast Consumer Foodservice through Lodging: Units/Outlets 2023-2028
Table 144 Forecast Sales in Consumer Foodservice through Lodging: Number of Transactions 2023-2028
Table 145 Forecast Sales in Consumer Foodservice through Lodging: Foodservice Value 2023-2028
Table 146 Forecast Consumer Foodservice through Lodging: % Units/Outlets Growth 2023-2028
Table 147 Forecast Sales in Consumer Foodservice through Lodging: % Transaction Growth 2023-2028
Table 148 Forecast Sales in Consumer Foodservice through Lodging: % Foodservice Value Growth 2023-2028
Table 149 Forecast Consumer Foodservice through Travel: Units/Outlets 2023-2028
Table 150 Forecast Sales in Consumer Foodservice through Travel: Number of Transactions 2023-2028
Table 151 Forecast Sales in Consumer Foodservice through Travel: Foodservice Value 2023-2028
Table 152 Forecast Consumer Foodservice through Travel: % Units/Outlets Growth 2023-2028
Table 153 Forecast Sales in Consumer Foodservice through Travel: % Transaction Growth 2023-2028
Table 154 Forecast Sales in Consumer Foodservice through Travel: % Foodservice Value Growth 2023-2028
Content is provided by our partners and every effort is made to make Market Report details as clear as possible. If you are not sure the exact content you require is included in this study you can Contact us to double check. To do this you can:
Use the ‘? ASK A QUESTION’ below the license / prices and to the right of this box. This will come directly to our team who will work on dealing with your request as soon as possible.
Write to directly on support@scotts-international.com with details. Please include as much information as possible including the name of report or link so our staff will be able to work on you request.
Telephone us directly on 0048 603 394 346 and an experienced member of team will be on hand to answer.
With the vast majority of our partners we can obtain Sample Pages to support your decision. This is something we can arrange without revealing your personal details.
It is important to note that we will not be able to provide you the exact data or statistics such as Market Size and Forecasts. Sample pages usually confirm the layout or the Categories included in Charts and Graphs, excluding specific data.
To ask for Sample Pages by contact us through ‘? ASK A QUESTION’, support@scotts-international.com, or by telephoning 0048 603 394 346.
Whilst we try to make our online platform as easy to use as possible there is always the possibility that a better alternative has not been found in your search.
To avoid this possibility Contact us through ‘? ASK A QUESTION’, support@scotts-international.com, or by telephoning 0048 603 394 346 and a Senior Team Member can review your requirements and send a list of possibilities with opinions and recommendations.
All prices are set by our partners and should be exactly the same as those listed on their own websites. We work on a Revenue share basis ensuring that you never pay more than what is offered elsewhere.
Should you find the price cheaper on another platform we recommend you to Contact us as we should be able to match this price. You can Contact us though through ‘? ASK A QUESTION’, support@scotts-international.com, or by telephoning 0048 603 394 346.
As we work in close partnership with our Partners from time to time we can secure discounts and assist with negotiations, this is part of our personalised service to you.
Discounts can sometimes be arranged for speedily placed orders; multiple report purchases or Higher License purchases.
To check if a Discount is possible please Contact our experienced team through ‘? ASK A QUESTION’, support@scotts-international.com, or by telephoning 0048 603 394 346.
Most Market Reports on our platform are listed in USD or EURO based on the wishes of our Partners. To avoid currency fluctuations and potential price differentiations we do not offer the possibility to change the currency online.
Should you wish to pay in a different currency to that advertised online we do accept payments in USD, EURO, GBP and PLN. The price will be calculated based on the relevant exchange rate taken from our National Bank.
To pay in a different above currency to that advertised online please Contact our team and a quotation will be sent within a couple of hours with payment details.
License options vary from Partner to Partner as is usually based on the number of Users that will benefitting from the report. It is very important that License ordered is not breached as this could have potential negative consequences for you individually or your employer.
If you have questions or need confirmation about the specific license we recommend you to Contact us and a detailed explanation will be provided.
The Global Site License is the most comprehensive license available. By selecting this license, the Market Report can be shared with other ‘Allowed Users’ and any other member of staff from the same organisation regardless of geographic location.
It is important to note that this may exclude Parent Companies or Subsidiaries.
If you have questions or need confirmation about the specific license we recommend you to Contact us and a detailed explanation will be provided.
The most common format is PDF, however in certain circumstances data may be present in Excel format or Online, especially in the case of Database or Directories. In addition, for certain higher license options a CD may also be provided.
If you have questions or need clarification about the specific formats we recommend you to Contact us and a detailed explanation will be provided.
Delivery is fulfilled by our partners directly. Once an order has been placed we inform the partner by sharing the delivery email details given in the order process.
Delivery is usually made within 24 hours of an order being placed, however it may take longer should your order be placed prior to the weekend or if otherwise specified on the Market Report details page. Additionally, if details have been not fully completed in the Order process a delay in delivery is possible.
If a delay in delivery is expected you will be informed about it immediately.
As most Market Reports are delivered in PDF format we almost never have to add additional Shipping Charges. If, however you are ordering a Higher License service or a specific delivery format (e.g. CD version) charges may apply.
If you are concerned about additional Shipping Charges we recommend you to Contact us to double check.
We work in Partnership with PayU to ensure payments are made securely in a fast and effortless way. PayU is the e-payments division of Naspers.
Naspers operates in over 133 International Markets and ranks 3rd Globally in terms of the number of e-commerce customers served.
For more information on PayU please visit: https://www.payu.pl/en/about-us
If you require an invoice prior to payment, this is possible. To ensure a speedy delivery of the Market Report we require all relevant company details and you agree to maximum payment terms of 30 days from receipt of order.
With our regular clients deliver of the Market Report can be made prior to receiving payment, however in some circumstances we may ask for payment to be received before arranging for the Market Report to be delivered.
We have specifically partnered with leading International companies to protect your privacy by using different technologies and processes to ensure security.
Everything submitted to Scotts International is encrypted via SSL (Secure Socket Layer) and all personal information provided to Scotts International is stored on computer systems with limited access in controlled environments.
We partner with PayU (https://www.payu.pl/en/about-us) to ensure all credit card payments are made securely in a fast and effortless way.
PayU offers 250+ various payment channels and eWallet services across 4 continents allowing buyers to pay electronically, whether on a computer or a mobile device.