Digital payments refer to any form of cashless payment or payments conducted without banknotes or coins in either an online or offline environment. This can include mobile payments (digital payments performed with a mobile device), fintech (such companies tend to be at the forefront of payment digitalization), or relatively young trends like buy now, pay later (BNPL) or cryptocurrency. Out of all these cashless options, which developments are noteworthy to know about for the United States?
Digital payments landscape in the United States - statistics & facts
Digital payments refer to any form of cashless payment or payments conducted without banknotes or coins in either an online or offline environment. This can include mobile payments (digital payments performed with a mobile device), fintech (such companies tend to be at the forefront of payment digitalization), or relatively young trends like buy now, pay later (BNPL) or cryptocurrency. Out of all these cashless options, which developments are noteworthy to know about for the United States?
Key insights
- Forecasted number of digital payment transactions in North America
- 170bn
Detailed statistics
Number of digital payments worldwide by region 2013-2021, with forecasts to 2026
- Credit card penetration in the U.S.
- 66.7%
Detailed statistics
Credit card penetration in 161 countries worldwide 2011, 2014, 2017, 2021
- Buy now, pay later market share in domestic e-commerce in the U.S
- 5%
Detailed statistics
Buy now, pay later (BNPL) share in e-commerce in 41 countries worldwide 2016-2022
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Market share
6
- Premium Statistic Triannual level of cash payments in the U.S. 2015-2018
- Premium Statistic Annual currency in circulation (CIC) to GDP ratio of the U.S. 2001-2021
- Premium Statistic Most popular in-store payment methods in the U.S. 2017-2022
- Premium Statistic Payments at points of sale by type in the U.S. 2023
- Premium Statistic Most popular e-commerce payment methods in the U.S 2016-2022
- Premium Statistic Most common online payments by type in the U.S. 2023
Market share
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Premium Statistic
Triannual level of cash payments in the U.S. 2015-2018
Triannual level of cash payments in the U.S. 2015-2018
Share of cash estimate at point of sale (POS) in the United States in 2015 and 2018
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Premium Statistic
Annual currency in circulation (CIC) to GDP ratio of the U.S. 2001-2021
Annual currency in circulation (CIC) to GDP ratio of the U.S. 2001-2021
Share of currency in circulation (CIC) to the nominal GDP of the United States from 2001 to 2021
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Premium Statistic
Most popular in-store payment methods in the U.S. 2017-2022
Most popular in-store payment methods in the U.S. 2017-2022
Market share of cash, credit cards, and other payment methods at point of sale (POS) in the United States in 2017, 2019, 2020, 2021, and 2022
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Premium Statistic
Payments at points of sale by type in the U.S. 2023
Payments at points of sale by type in the U.S. 2023
Payments at points of sale by type in the U.S. as of June 2023
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Premium Statistic
Most popular e-commerce payment methods in the U.S 2016-2022
Most popular e-commerce payment methods in the U.S 2016-2022
Market share of credit cards, wallets, BNPL, and other payment methods in e-commerce in the United States from 2016 to 2022
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Premium Statistic
Most common online payments by type in the U.S. 2023
Most common online payments by type in the U.S. 2023
Most common online payments by type in the U.S. as of June 2023
Penetration
8
- Premium Statistic Penetration rate of credit cards in the United States 2013-2028
- Premium Statistic Penetration rate of debit cards in the United States 2013-2028
- Premium Statistic Mobile payments by situation in the U.S. 2022
- Premium Statistic Share of U.S. consumers interested in buy now, pay later services 2021
- Premium Statistic Payment types accepted by e-commerce vendors in the U.S. between 2022 and 2024
- Premium Statistic Weekly consumer searches for "QR Code" topic on Google in the U.S. 2018-2023
- Premium Statistic Annual crypto adoption development in the U.S. 2020-2022, by metric
- Premium Statistic Instant payment share in payment transactions in U.S. in 2022 and 2027
Penetration
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Premium Statistic
Penetration rate of credit cards in the United States 2013-2028
Penetration rate of credit cards in the United States 2013-2028
Penetration rate of credit cards in the United States from 2013 to 2028
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Premium Statistic
Penetration rate of debit cards in the United States 2013-2028
Penetration rate of debit cards in the United States 2013-2028
Penetration rate of debit cards in the United States from 2013 to 2028
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Premium Statistic
Mobile payments by situation in the U.S. 2022
Mobile payments by situation in the U.S. 2022
Mobile payments by situation in the U.S. in 2022
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Premium Statistic
Share of U.S. consumers interested in buy now, pay later services 2021
Share of U.S. consumers interested in buy now, pay later services 2021
Share of consumers that use buy now, pay later services at checkout in the United States in 2021
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Premium Statistic
Payment types accepted by e-commerce vendors in the U.S. between 2022 and 2024
Payment types accepted by e-commerce vendors in the U.S. between 2022 and 2024
Current and future implementation of selected digital payments in e-commerce in the United States as of February 2022
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Premium Statistic
Weekly consumer searches for "QR Code" topic on Google in the U.S. 2018-2023
Weekly consumer searches for "QR Code" topic on Google in the U.S. 2018-2023
Search interest of consumers in the search topic "QR Code" in the United States from March 2018 to March 2023
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Premium Statistic
Annual crypto adoption development in the U.S. 2020-2022, by metric
Annual crypto adoption development in the U.S. 2020-2022, by metric
Crypto Adoption Index ranking of the United States from 2020 to 2022, by metric
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Premium Statistic
Instant payment share in payment transactions in U.S. in 2022 and 2027
Instant payment share in payment transactions in U.S. in 2022 and 2027
Market share of real time payments within overall payment transactions in the United States in 2022, with a forecast for 2027
Biggest brands
6
- Premium Statistic Visa, Mastercard, Amex, Discover market share against each other in U.S. 2007-2022
- Premium Statistic Biggest commercial card issuers in the U.S. 2019-2021, based on purchase volume
- Premium Statistic Most used mobile payments by brand in the U.S. 2023
- Premium Statistic Most used online payments by brand in the U.S. 2023
- Premium Statistic Key buy now pay, later apps in the U.S. 2015-2023, based on quarterly downloads
- Premium Statistic Key crypto wallets in the U.S. 2015-2023, based on quarterly downloads
Biggest brands
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Premium Statistic
Visa, Mastercard, Amex, Discover market share against each other in U.S. 2007-2022
Visa, Mastercard, Amex, Discover market share against each other in U.S. 2007-2022
Market share of Visa, Mastercard, American Express, Discover as general purpose card brands in the United States from 2007 to 2022, based on value of transactions
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Premium Statistic
Biggest commercial card issuers in the U.S. 2019-2021, based on purchase volume
Biggest commercial card issuers in the U.S. 2019-2021, based on purchase volume
Leading commercial card issuers in the United States from 2019 to 2021, based on value of transactions for business activities (in billion U.S. dollars)
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Premium Statistic
Most used mobile payments by brand in the U.S. 2023
Most used mobile payments by brand in the U.S. 2023
Most used mobile payments by brand in the U.S. as of June 2023
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Premium Statistic
Most used online payments by brand in the U.S. 2023
Most used online payments by brand in the U.S. 2023
Most used online payments by brand in the U.S. as of June 2023
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Premium Statistic
Key buy now pay, later apps in the U.S. 2015-2023, based on quarterly downloads
Key buy now pay, later apps in the U.S. 2015-2023, based on quarterly downloads
Biggest buy now, pay later (BNPL) apps in the United States from 1st quarter of 2015 up until 1st quarter of 2023, by number of downloads
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Premium Statistic
Key crypto wallets in the U.S. 2015-2023, based on quarterly downloads
Key crypto wallets in the U.S. 2015-2023, based on quarterly downloads
Biggest wallets for cryptocurrency storage in the United States from 1st quarter of 2015 up until 1st quarter of 2023, by number of downloads
Users
9
- Premium Statistic Annual credit card and debit cards issued in the U.S. 2012-2020
- Premium Statistic Credit card penetration in the U.S. in 2011, 2014, 2017, and 2021, by demographic
- Premium Statistic Debit card penetration in the U.S. in 2011, 2014, 2017, and 2021, by demographic
- Premium Statistic Apple Pay, Google Pay users for POS in the U.S. 2019-2021, with forecast to 2026
- Premium Statistic QR code users in the U.S. 2019-2020, with forecasts to 2025
- Premium Statistic Preference for payment by smartwatch in the U.S. in 2022, by age and gender
- Premium Statistic Annual buy now, pay later (BNPL) users in the U.S. 2020-2023, by age and gender
- Premium Statistic Quarterly number of crypto users in the U.S. 2021-2022
- Premium Statistic Crypto adoption in the U.S. as of November 2022, by age and gender
Users
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Premium Statistic
Annual credit card and debit cards issued in the U.S. 2012-2020
Annual credit card and debit cards issued in the U.S. 2012-2020
Total number of credit cards and debit cards in circulation in the United States from 2012 to 2020
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Premium Statistic
Credit card penetration in the U.S. in 2011, 2014, 2017, and 2021, by demographic
Credit card penetration in the U.S. in 2011, 2014, 2017, and 2021, by demographic
Share of individuals who own a credit card in the United States from 2011 to 2021, by age, gender, and income level
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Premium Statistic
Debit card penetration in the U.S. in 2011, 2014, 2017, and 2021, by demographic
Debit card penetration in the U.S. in 2011, 2014, 2017, and 2021, by demographic
Share of individuals who own a debit card in the United States from 2011 to 2021, by age, gender, and income level
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Premium Statistic
Apple Pay, Google Pay users for POS in the U.S. 2019-2021, with forecast to 2026
Apple Pay, Google Pay users for POS in the U.S. 2019-2021, with forecast to 2026
Estimates on the number of users of selected contactless/tap to pay platforms in the United States from 2019 and 2021, with forecasts from 2022 to 2026 (in millions)
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Premium Statistic
QR code users in the U.S. 2019-2020, with forecasts to 2025
QR code users in the U.S. 2019-2020, with forecasts to 2025
Estimates on the number of smartphone users in the United States who scan QR codes for payments or other use cases in 2019 and 2020, with forecasts from 2020 to 2025 (in millions)
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Premium Statistic
Preference for payment by smartwatch in the U.S. in 2022, by age and gender
Preference for payment by smartwatch in the U.S. in 2022, by age and gender
Share of respondents in the United States who prefer to pay with a smartwatch over cash, card, mobile phone, or biometric payment method from 3rd quarter of 2021 to 4th quarter of 2022
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Premium Statistic
Annual buy now, pay later (BNPL) users in the U.S. 2020-2023, by age and gender
Annual buy now, pay later (BNPL) users in the U.S. 2020-2023, by age and gender
Share of respondents who said they had used a buy now, pay later (BNPL) service in the United States from 2020 to 2023, by age and gender
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Premium Statistic
Quarterly number of crypto users in the U.S. 2021-2022
Quarterly number of crypto users in the U.S. 2021-2022
Estimated number of people who hold or trade cryptocurrency in the United States from 4th quarter of 2021 to 4th quarter of 2022
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Premium Statistic
Crypto adoption in the U.S. as of November 2022, by age and gender
Crypto adoption in the U.S. as of November 2022, by age and gender
Crypto ownership among consumers in the United States in the three months prior to November 2022, by age and gender
Transaction value
7
- Premium Statistic Annual credit card spending in the U.S. 2012-2021
- Premium Statistic Annual debit card spending in the U.S. 2012-2021
- Premium Statistic Mobile payment market size in 4 countries in the Americas in 2020, with 2025 forecast
- Premium Statistic Global QR payment market size in 2020 with forecasts to 2025, by region
- Premium Statistic Buy now, pay later (BNPL) market size in the U.S. 2019-2021, with forecasts to 2026
- Premium Statistic Annual buy now, pay later (BNPL) transaction volume in U.S. 2019-2021, by vertical
- Premium Statistic Consumer motivation for owning cryptocurrency in the U.S. and Great Britain 2021
Transaction value
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Premium Statistic
Annual credit card spending in the U.S. 2012-2021
Annual credit card spending in the U.S. 2012-2021
Value of credit card transactions for payments in the United States from 2012 to 2021 (in million U.S. dollars)
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Premium Statistic
Annual debit card spending in the U.S. 2012-2021
Annual debit card spending in the U.S. 2012-2021
Value of debit card transactions for payments in the United States from 2012 to 2021 (in million U.S. dollars)
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Premium Statistic
Mobile payment market size in 4 countries in the Americas in 2020, with 2025 forecast
Mobile payment market size in 4 countries in the Americas in 2020, with 2025 forecast
Transaction volume of mobile payments in selected countries in North America and Latin America in 2020 with a forecast for 2025 (in million U.S. dollars)
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Premium Statistic
Global QR payment market size in 2020 with forecasts to 2025, by region
Global QR payment market size in 2020 with forecasts to 2025, by region
Market size of QR code transactions in various regions worldwide in 2020 with forecasts from 2021 to 2025 (in billion U.S. dollars)
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Premium Statistic
Buy now, pay later (BNPL) market size in the U.S. 2019-2021, with forecasts to 2026
Buy now, pay later (BNPL) market size in the U.S. 2019-2021, with forecasts to 2026
Estimate of buy now, pay later (BNPL) lending in the United States from 2019 to 2021, with forecasts from 2022 to 2026 (in billion U.S. dollars)
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Premium Statistic
Annual buy now, pay later (BNPL) transaction volume in U.S. 2019-2021, by vertical
Annual buy now, pay later (BNPL) transaction volume in U.S. 2019-2021, by vertical
Transaction volume of buy now, pay later (BNPL) in different product segments and merchant verticals in the United States from 2019 to 2021 (in billion U.S. dollars)
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Premium Statistic
Consumer motivation for owning cryptocurrency in the U.S. and Great Britain 2021
Consumer motivation for owning cryptocurrency in the U.S. and Great Britain 2021
Which of the following are reasons for you owning cryptocurrency?
Number of transactions (per user)
6
- Premium Statistic Annual number of credit card transactions in the U.S. 2012-2021, per capita
- Premium Statistic Annual number of debit card transactions in the U.S. 2012-2021, per capita
- Premium Statistic Number of contactless mobile payment users in U.S. 2022, with a 2027 forecast
- Premium Statistic Annual buy now, pay later (BNPL) loan number in U.S. 2019-2021
- Premium Statistic Size of a credit card transaction in the U.S. 2012-2021, in USD
- Premium Statistic Size of a debit card transaction in the U.S. 2012-2021, in USD
Number of transactions (per user)
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Premium Statistic
Annual number of credit card transactions in the U.S. 2012-2021, per capita
Annual number of credit card transactions in the U.S. 2012-2021, per capita
Total number of credit card transactions processed for payments in the United States from 2012 to 2021
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Premium Statistic
Annual number of debit card transactions in the U.S. 2012-2021, per capita
Annual number of debit card transactions in the U.S. 2012-2021, per capita
Total number of debit card transactions processed for payments in the United States from 2012 to 2021
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Premium Statistic
Number of contactless mobile payment users in U.S. 2022, with a 2027 forecast
Number of contactless mobile payment users in U.S. 2022, with a 2027 forecast
Estimates on the number of users of contactless/tap to pay mobile payments in the United States in 2022, with a forecast for 2027 (in billions)
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Premium Statistic
Annual buy now, pay later (BNPL) loan number in U.S. 2019-2021
Annual buy now, pay later (BNPL) loan number in U.S. 2019-2021
Number of buy now, pay later (BNPL) transactions in the United States from 2019 to 2021
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Premium Statistic
Size of a credit card transaction in the U.S. 2012-2021, in USD
Size of a credit card transaction in the U.S. 2012-2021, in USD
Average value of a credit card transaction in the United States from 2012 to 2021 (in U.S. dollars)
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Premium Statistic
Size of a debit card transaction in the U.S. 2012-2021, in USD
Size of a debit card transaction in the U.S. 2012-2021, in USD
Average value of a debit card transaction in the United States from 2012 to 2021 (in U.S. dollars)
Miscellaneous
8
- Premium Statistic POS terminal market size in the U.S. 2015-2018, with forecasts to 2025
- Premium Statistic Unbanked population in the U.S. in 2011, 2014, 2017, and 2021, by demographic
- Basic Statistic Internet users in the United States 2019-2028
- Premium Statistic Mobile internet usage reach in the United States 2013-2028
- Basic Statistic Revenue of the e-commerce industry in the U.S. 2017-2027
- Premium Statistic M-commerce share of total digital commerce spending in the U.S. 2017-2022
- Premium Statistic Main cross-border online shopping markets in the U.S. 2022, by market share
- Premium Statistic Annual outgoing and incoming remittance flow in the U.S. 2021, by country
Miscellaneous
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Premium Statistic
POS terminal market size in the U.S. 2015-2018, with forecasts to 2025
POS terminal market size in the U.S. 2015-2018, with forecasts to 2025
Size of point-of-sale (POS) terminal market in the United States from 2015 to 2018, with forecasts from 2019 to 2025 (in billion U.S. dollars)
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Premium Statistic
Unbanked population in the U.S. in 2011, 2014, 2017, and 2021, by demographic
Unbanked population in the U.S. in 2011, 2014, 2017, and 2021, by demographic
Share of individuals who are unbanked, as they do not have access to an account at a financial institution, in the United States from 2011 to 2021, by age, gender, and income level
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Basic Statistic
Internet users in the United States 2019-2028
Internet users in the United States 2019-2028
Number of internet users in the United States from 2019 to 2028 (in millions)
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Premium Statistic
Mobile internet usage reach in the United States 2013-2028
Mobile internet usage reach in the United States 2013-2028
Mobile internet usage penetration in the United States from 2013 to 2028
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Basic Statistic
Revenue of the e-commerce industry in the U.S. 2017-2027
Revenue of the e-commerce industry in the U.S. 2017-2027
Revenue of the e-commerce industry in the U.S. 2017-2027 (in billion U.S. dollars)
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Premium Statistic
M-commerce share of total digital commerce spending in the U.S. 2017-2022
M-commerce share of total digital commerce spending in the U.S. 2017-2022
Mobile commerce share of total digital commerce spending in the United States from 4th quarter 2017 to 4th quarter 2022
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Premium Statistic
Main cross-border online shopping markets in the U.S. 2022, by market share
Main cross-border online shopping markets in the U.S. 2022, by market share
Leading countries for cross-border online purchases in the United States in 2022, by market share
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Premium Statistic
Annual outgoing and incoming remittance flow in the U.S. 2021, by country
Annual outgoing and incoming remittance flow in the U.S. 2021, by country
Value of remittances sent from/to the United States to/from other countries or territories worldwide in 2021 (in million U.S. dollars)
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