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
- 298bn
Detailed statistics
Number of digital payments worldwide 2013-2021 with forecasts to 2027, by region
- 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 2016-2023
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Market share
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- 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. 2001-2022
- Premium Statistic Most used in-store (POS) payment methods in the U.S. 2017-2023, with 2027 forecast
- Premium Statistic Payments at points of sale by type in the U.S. 2023
- Premium Statistic Most used e-commerce payment methods in the U.S. 2016-2023, with 2027 forecast
- Premium Statistic Most common online payments by type in the U.S. 2023
- Premium Statistic Penetration of crypto as a means of payment in selected countries worldwide in 2023
Market share
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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. 2001-2022
Annual currency in circulation (CIC) to GDP ratio of the U.S. 2001-2022
Share of currency in circulation (CIC) to the nominal GDP of the United States from 2001 to 2022
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Premium Statistic
Most used in-store (POS) payment methods in the U.S. 2017-2023, with 2027 forecast
Most used in-store (POS) payment methods in the U.S. 2017-2023, with 2027 forecast
Market share of cash, credit cards, and other payment methods at point of sale (POS) in the United States from 2017 to 2023, with a forecast for 2027
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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 December 2023
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Premium Statistic
Most used e-commerce payment methods in the U.S. 2016-2023, with 2027 forecast
Most used e-commerce payment methods in the U.S. 2016-2023, with 2027 forecast
Market share of cash, credit cards, and other payment methods during online shopping in the United States from 2016 to 2023, with a forecast for 2027
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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 December 2023
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Premium Statistic
Penetration of crypto as a means of payment in selected countries worldwide in 2023
Penetration of crypto as a means of payment in selected countries worldwide in 2023
Market share of cryptocurrency compared to other payment methods in selected countries across the world as of 2023
Penetration
8
- Premium Statistic Penetration rate of credit cards in the United States 2014-2029
- Premium Statistic Penetration rate of debit cards in the United States 2014-2029
- Premium Statistic Quarterly adoption of mobile payments at POS in the U.S. 2018-2023
- Premium Statistic Mobile payments by situation in the U.S. 2023
- Premium Statistic Payment types accepted by all e-commerce vendors in the U.S. in 2022 and 2024
- Premium Statistic Annual crypto adoption development in the U.S. 2020-2023, by metric
- Premium Statistic Domestic and cross-border e-commerce revenue share 2023, by country
- Premium Statistic Quarterly market share of outgoing digital remittances in the U.S. 2016-2023
Penetration
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Penetration rate of credit cards in the United States 2014-2029
Penetration rate of credit cards in the United States 2014-2029
Penetration rate of credit cards in the United States from 2014 to 2029
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Premium Statistic
Penetration rate of debit cards in the United States 2014-2029
Penetration rate of debit cards in the United States 2014-2029
Penetration rate of debit cards in the United States from 2014 to 2029
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Quarterly adoption of mobile payments at POS in the U.S. 2018-2023
Quarterly adoption of mobile payments at POS in the U.S. 2018-2023
Mobile payments usage performed with any mobile device at POS in the United States from 2018 to 4th quarter of 2023
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Premium Statistic
Mobile payments by situation in the U.S. 2023
Mobile payments by situation in the U.S. 2023
Mobile payments by situation in the U.S. in 2023
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Premium Statistic
Payment types accepted by all e-commerce vendors in the U.S. in 2022 and 2024
Payment types accepted by all e-commerce vendors in the U.S. in 2022 and 2024
Share of companies that accept selected digital payments for all types of e-commerce in the United States as of February 2024
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Premium Statistic
Annual crypto adoption development in the U.S. 2020-2023, by metric
Annual crypto adoption development in the U.S. 2020-2023, by metric
Crypto Adoption Index ranking of the United States from 2020 to 2023, by metric
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Premium Statistic
Domestic and cross-border e-commerce revenue share 2023, by country
Domestic and cross-border e-commerce revenue share 2023, by country
Distribution of domestic and cross-border e-commerce revenues in 2023, by country
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Premium Statistic
Quarterly market share of outgoing digital remittances in the U.S. 2016-2023
Quarterly market share of outgoing digital remittances in the U.S. 2016-2023
Share of digitally initiated remittances in the United States from 2nd quarter 2016 to 3rd quarter 2023, based on remittance outflow towards any other country
Biggest brands
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- Premium Statistic Visa, Mastercard, Amex, Discover market share against each other in U.S. 2007-2023
- 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 Biggest buy now, pay later (BNPL) apps in the U.S. 2015-2023, based on downloads
- Premium Statistic Biggest cryptocurrency wallets in the U.S. 2015-2023, based on downloads
- Premium Statistic Biggest real-time payments brands worldwide in 2022, based on number of transactions
- Premium Statistic Quarterly market share of outgoing remittance brands in the U.S. 2011-2023
Biggest brands
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Premium Statistic
Visa, Mastercard, Amex, Discover market share against each other in U.S. 2007-2023
Visa, Mastercard, Amex, Discover market share against each other in U.S. 2007-2023
Market share of Visa, Mastercard, American Express, Discover as general purpose card brands in the United States from 2007 to 2023, 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 December 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 December 2023
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Premium Statistic
Biggest buy now, pay later (BNPL) apps in the U.S. 2015-2023, based on downloads
Biggest buy now, pay later (BNPL) apps in the U.S. 2015-2023, based on downloads
Biggest buy now, pay later (BNPL) apps in the United States from 1st quarter of 2015 to 4th quarter of 2023, by number of downloads
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Premium Statistic
Biggest cryptocurrency wallets in the U.S. 2015-2023, based on downloads
Biggest cryptocurrency wallets in the U.S. 2015-2023, based on downloads
Biggest wallets for cryptocurrency storage in the United States from 1st quarter of 2015 to 4th quarter of 2023, by number of downloads
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Premium Statistic
Biggest real-time payments brands worldwide in 2022, based on number of transactions
Biggest real-time payments brands worldwide in 2022, based on number of transactions
Brands with the highest number of real-time (instant) payment transactions worldwide in 2022 (in billions)
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Premium Statistic
Quarterly market share of outgoing remittance brands in the U.S. 2011-2023
Quarterly market share of outgoing remittance brands in the U.S. 2011-2023
Biggest brands for remittances in the United States from 1st quarter 2011 to 3rd quarter 2023, based on remittance outflow towards any other country
Users
9
- Premium Statistic Annual credit card and debit cards issued in the U.S. 2012-2021
- Premium Statistic Triennial credit card penetration in the U.S. 2011-2024, by demographic
- Premium Statistic Triennial debit card penetration in the U.S. 2011-2024, by demographic
- Premium Statistic Apple Pay, Google Pay users for POS in the U.S. 2019-2021, with forecast to 2026
- Premium Statistic Number of contactless mobile payment users in U.S. 2022, with a 2027 forecast
- Premium Statistic Top 10 countries worldwide based on number of buy now, pay later (BNPL) users 2022
- Premium Statistic Buy now, pay later (BNPL) use in the U.S. 2023, by age, gender, income, race
- Premium Statistic Quarterly number of crypto users in the U.S. 2021-2022
- Premium Statistic Cryptocurrency use cases in the U.S. 2023, by age, gender, income, race
Users
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Premium Statistic
Annual credit card and debit cards issued in the U.S. 2012-2021
Annual credit card and debit cards issued in the U.S. 2012-2021
Total number of credit cards and debit cards in circulation in the United States from 2012 to 2021
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Premium Statistic
Triennial credit card penetration in the U.S. 2011-2024, by demographic
Triennial credit card penetration in the U.S. 2011-2024, by demographic
Share of individuals who own a credit card in the United States in 2011, 2014, 2017 and 2021 with a forecast for 2024, by age, gender, and income level
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Premium Statistic
Triennial debit card penetration in the U.S. 2011-2024, by demographic
Triennial debit card penetration in the U.S. 2011-2024, by demographic
Share of individuals who own a debit card in the United States in 2011, 2014, 2017 and 2021 with a forecast for 2024, 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
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
Top 10 countries worldwide based on number of buy now, pay later (BNPL) users 2022
Top 10 countries worldwide based on number of buy now, pay later (BNPL) users 2022
Leading countries in the world with the highest number of buy now, pay later (BNPL) users as of 2022 (in millions)
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Premium Statistic
Buy now, pay later (BNPL) use in the U.S. 2023, by age, gender, income, race
Buy now, pay later (BNPL) use in the U.S. 2023, by age, gender, income, race
Share of respondents who said they used buy now, pay later (BNPL) in the United States in 2023, by age, gender, income, and race
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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
Cryptocurrency use cases in the U.S. 2023, by age, gender, income, race
Cryptocurrency use cases in the U.S. 2023, by age, gender, income, race
Share of respondents who said they used cryptocurrency either for investments or transaction in the United States in 2023, by age, gender, income, and race
Transaction value
6
- Premium Statistic Annual credit card spending in the U.S. 2012-2022
- Premium Statistic Annual debit card spending in the U.S. 2012-2022
- Premium Statistic Mobile payment market size in 4 countries in the Americas in 2020, with 2025 forecast
- Premium Statistic Annual buy now, pay later (BNPL) spending in the U.S. in 2023, with a 2029 forecast
- Premium Statistic Annual buy now, pay later (BNPL) transaction volume in U.S. 2019-2021, by vertical
- Premium Statistic Annual value of outgoing and incoming remittance flow in the U.S. 2021, by country
Transaction value
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Premium Statistic
Annual credit card spending in the U.S. 2012-2022
Annual credit card spending in the U.S. 2012-2022
Value of credit card transactions for payments in the United States from 2012 to 2022 (in million U.S. dollars)
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Premium Statistic
Annual debit card spending in the U.S. 2012-2022
Annual debit card spending in the U.S. 2012-2022
Value of debit card transactions for payments in the United States from 2012 to 2022 (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
Annual buy now, pay later (BNPL) spending in the U.S. in 2023, with a 2029 forecast
Annual buy now, pay later (BNPL) spending in the U.S. in 2023, with a 2029 forecast
Estimated transaction value of buy now, pay later (BNPL) in the United States in 2023, with forecasts for 2024 and 2029 (in million 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
Annual value of outgoing and incoming remittance flow in the U.S. 2021, by country
Annual value of 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)
Number of transactions
7
- Premium Statistic Annual number of credit card transactions in the U.S. 2012-2022, per capita
- Premium Statistic Size of a credit card transaction in the U.S. 2012-2022, in USD
- Premium Statistic Annual number of debit card transactions in the U.S. 2012-2022, per capita
- Premium Statistic Size of a debit card transaction in the U.S. 2012-2022, in USD
- Premium Statistic Top 10 countries worldwide with highest number of contactless card transactions 2022
- Premium Statistic Annual buy now, pay later (BNPL) loan number in U.S. 2019-2021
- Premium Statistic Annual number of real-time payments in the U.S. in 2022, with a 2027 forecast
Number of transactions
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Premium Statistic
Annual number of credit card transactions in the U.S. 2012-2022, per capita
Annual number of credit card transactions in the U.S. 2012-2022, per capita
Total number of credit card transactions processed for payments in the United States from 2012 to 2022
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Premium Statistic
Size of a credit card transaction in the U.S. 2012-2022, in USD
Size of a credit card transaction in the U.S. 2012-2022, in USD
Average value of a credit card transaction in the United States from 2012 to 2022 (in U.S. dollars)
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Premium Statistic
Annual number of debit card transactions in the U.S. 2012-2022, per capita
Annual number of debit card transactions in the U.S. 2012-2022, per capita
Total number of debit card transactions processed for payments in the United States from 2012 to 2022
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Premium Statistic
Size of a debit card transaction in the U.S. 2012-2022, in USD
Size of a debit card transaction in the U.S. 2012-2022, in USD
Average value of a debit card transaction in the United States from 2012 to 2022 (in U.S. dollars)
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Premium Statistic
Top 10 countries worldwide with highest number of contactless card transactions 2022
Top 10 countries worldwide with highest number of contactless card transactions 2022
Leading countries in the world with the highest number of contactless card transactions as of 2022 (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
Annual number of real-time payments in the U.S. in 2022, with a 2027 forecast
Annual number of real-time payments in the U.S. in 2022, with a 2027 forecast
Total number of real-time (instant) payments in the United States in 2022, with a forecast for 2027
Miscellaneous
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- Premium Statistic Triennial unbanked population share in the U.S. 2011-2024, by demographic
- Basic Statistic Internet users in the United States 2020-2029
- Premium Statistic Mobile internet usage reach in the United States 2014-2029
- Basic Statistic Revenue of the e-commerce industry in the U.S. 2019-2029
- Premium Statistic Main cross-border online shopping markets in the U.S. 2022, by market share
Miscellaneous
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Premium Statistic
Triennial unbanked population share in the U.S. 2011-2024, by demographic
Triennial unbanked population share in the U.S. 2011-2024, by demographic
Share of unbanked individuals in the United States in 2011, 2014, 2017 and 2021 with a forecast for 2024, by age, gender, and income level
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Basic Statistic
Internet users in the United States 2020-2029
Internet users in the United States 2020-2029
Number of internet users in the United States from 2020 to 2029 (in millions)
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Premium Statistic
Mobile internet usage reach in the United States 2014-2029
Mobile internet usage reach in the United States 2014-2029
Mobile internet usage penetration in the United States from 2014 to 2029
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Basic Statistic
Revenue of the e-commerce industry in the U.S. 2019-2029
Revenue of the e-commerce industry in the U.S. 2019-2029
Revenue of the e-commerce industry in the U.S. 2019-2029 (in billion U.S. dollars)
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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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