Digital Wallet Statistics 2026
This page collects 52 figures on digital and mobile wallets: how many people use them, their share of payments in shops and online, contactless and tap to pay, and the volumes processed by PayPal, Venmo, Cash App and Visa. It covers the US, the euro area, the UK, Canada, Australia, Sweden and Germany, mostly with 2024 to 2026 data. Sources are central bank payment surveys from the Federal Reserve, ECB, Bank of Canada, Reserve Bank of Australia, Riksbank and Bundesbank, industry data from UK Finance and Worldpay, network data from Visa and Mastercard, and SEC filings from PayPal and Block.
By the Comredix review desk · Updated November 13, 2026 · 52 numbers drawn from 15 publishers and reports
Short answer
Digital wallets accounted for 56% of global ecommerce spending and 33% of in-person spending in 2025, according to Worldpay's Global Payments Report, but only 40% of online and 17% of in-store value in the US. The Federal Reserve found US consumers used a phone for 23% of all payments in 2024, and the ECB put mobile devices at 6% of euro area point-of-sale payments. PayPal processed $487.1 billion in the third quarter of 2026, and Visa says tap to pay made up 84% of its face-to-face transactions worldwide.
Headline numbers
- 56%Digital wallets accounted for 56% of global ecommerce spending in 2025, making them the most used way to pay online, according to Worldpay's Global Payments Report 2026.Worldpay (Global Payments)
- 17%Digital wallets represented 17% of US in-store point-of-sale value in 2025, roughly half the global share.Worldpay (Global Payments)
- 23%Mobile phones were used for 23% of all US consumer payments in 2024, including bills and person-to-person transfers.Federal Reserve Financial Services
- 6%Payments with mobile devices made up 6% of euro area point-of-sale transactions in 2024, almost double the 2022 share, according to the ECB.European Central Bank
- 37.6 millionUK Finance estimates that about 37.6 million UK consumers, more than six in ten adults, were registered for at least one mobile wallet service in 2025.UK Finance
- 84%Tap to pay made up 84% of Visa's face-to-face transactions globally in September 2026.Visa Inc.
- $487.1 billionPayPal's total payment volume, which includes Venmo, rose 6% to $487.1 billion in the third quarter of 2026.PayPal Holdings
- 60 millionBlock's Cash App had 60 million monthly transacting actives in September 2026.Block, Inc.
Reading the numbers
The clearest pattern across these sources is that wallets win online long before they win in shops. Worldpay estimates digital wallets carried 56% of global ecommerce value in 2025, and the Federal Reserve found phones handled 45% of US remote payments in 2024. In person, the numbers are far smaller: 11% of US in-person purchases, 6% of euro area point-of-sale payments in the ECB's 2024 study and 10% of all payments in Germany in the Bundesbank's 2025 study.
Adoption is broad even where transaction share is modest. UK Finance counts 37.6 million UK adults registered for a mobile wallet, the Bank of Canada found 41% of Canadians used mobile payments in the past year, and the Reserve Bank of Australia found 43% used a phone or watch to tap in a single week. Sweden shows where this can go: the Riksbank found 91% of respondents used Swish in the past month.
Wallets mostly ride on cards rather than replace them. Visa says tap made up 84% of its face-to-face transactions globally in September 2026, Mastercard puts contactless at more than 75% of its transactions, and the Federal Reserve Payments Study counted 187.7 billion US debit and credit card payments in 2024. In Australia, device-based payments were around 40% of card payments in 2025, so a growing share of those taps come from phones rather than plastic.
Company filings show the large wallet operators are now growing through engagement more than sign-ups. PayPal's active accounts rose only 0.6% to 440 million, while volume grew 6% to $487.1 billion and transactions per account rose 6%. Block's Cash App reached 60 million monthly transacting actives, with 28 million using its card. The US remains card-heavy by global standards: Worldpay estimates US consumers spent more than $16 trillion on cards in 2025.
How many people use mobile wallets
- 1.
UK Finance estimates that about 37.6 million UK consumers, more than six in ten adults, were registered for at least one mobile wallet service in 2025.
UK Finance, UK Payment Markets 2026: Summary (Aug 2026)
Exact wording at the source
In 2025, approximately 37.6 million consumers, more than six in ten in the adult population, were registered to use at least one mobile wallet service and 58% used mobile payments to purchase goods or services at least once a month.
- 2.
58% of UK adults used mobile payments to buy goods or services at least once a month in 2025, according to UK Finance.
UK Finance, UK Payment Markets 2026: Summary (Aug 2026)
Exact wording at the source
In 2025, approximately 37.6 million consumers, more than six in ten in the adult population, were registered to use at least one mobile wallet service and 58% used mobile payments to purchase goods or services at least once a month.
- 3.
43% of Australian consumers used a mobile device to make a contactless payment during the Reserve Bank of Australia's 2025 diary week, up from 35% in 2022.
Reserve Bank of Australia, Consumer Payment Behaviour in Australia (Bulletin, May 2026) (May 2026)
Exact wording at the source
43 per cent of consumers used a mobile device to make a contactless payment during the diary week, and that was up from 35 per cent in our 2022 survey.
- 4.
Over half of Australian respondents aged under 50 paid with a mobile device during the 2025 survey's diary week.
Reserve Bank of Australia, Consumer Payment Behaviour in Australia (Bulletin, May 2026) (May 2026)
Exact wording at the source
Over half of respondents aged under 50 years used a mobile device to make a payment during the diary week.
- 5.
41% of Canadians used mobile payments in the past year in 2025, second only to Interac e-Transfer among alternative payment methods, per the Bank of Canada.
Bank of Canada, 2025 Methods-of-Payment Survey Report: Cash in an Increasingly Digital and Mobile Economy (Staff Analytical Paper 2026-36) (Aug 2026)
Exact wording at the source
Mobile payments ranked second, used by 41% of Canadians in the past year.
- 6.
21% of Canadians reported using a mobile payment app in the past week in 2025, up from 19% in 2024.
Bank of Canada, 2025 Methods-of-Payment Survey Report: Cash in an Increasingly Digital and Mobile Economy (Staff Analytical Paper 2026-36) (Aug 2026)
Exact wording at the source
Mobile payment apps remain the most widely used alternative payment method, with 21% of Canadians reporting usage in the past week in 2025, up from 19% in 2024.
- 7.
In Sweden, the share of people who used a phone card service such as Apple Pay or Samsung Pay in the past month rose from 3% in 2018 to 34% in the Riksbank's latest survey.
Sveriges Riksbank, Payments Report 2026: Payment habits in Sweden (Mar 2026)
Exact wording at the source
Since 2018, those who used such a service in the last month have increased from 3 to 34 per cent.
- 8.
91% of Swedish respondents used the Swish mobile payment app in the past month, up from 82% in 2023, according to the Riksbank.
Sveriges Riksbank, Payments Report 2026: Payment habits in Sweden (Mar 2026)
Exact wording at the source
In the Riksbank’s survey, 91 per cent have used Swish in the past month, up from 82 per cent in 2023.
- 9.
US consumers made an average of 11 payments a month with a mobile phone in 2024, up from 10 in 2023, according to the Federal Reserve's Diary of Consumer Payment Choice.
Federal Reserve Financial Services, 2025 Findings from the Diary of Consumer Payment Choice (Jun 2025)
Exact wording at the source
Consumers made an average of 11 payments with a mobile phone in 2024, up from 10 payments in 2023.
- 10.
US adults aged 18 to 24 used a mobile phone for 45% of all their payments in 2024, more than any other age group.
Federal Reserve Financial Services, 2025 Findings from the Diary of Consumer Payment Choice (Jun 2025)
Exact wording at the source
Adults aged 18 to 24 were more likely than any other cohort to pay with a mobile phone, using their phones for 45% of all payments.
Mobile payments' share of all payments in the US and Europe
- 11.
Mobile phones were used for 23% of all US consumer payments in 2024, including bills and person-to-person transfers.
Federal Reserve Financial Services, 2025 Findings from the Diary of Consumer Payment Choice (Jun 2025)
Exact wording at the source
In 2024 , mobile phones were used for 23% of all payments, 11% of all in-person non-bill payments, and 45% of remote payments.
- 12.
Mobile phones accounted for 45% of US remote payments in 2024, compared with 11% of in-person non-bill payments.
Federal Reserve Financial Services, 2025 Findings from the Diary of Consumer Payment Choice (Jun 2025)
Exact wording at the source
In 2024 , mobile phones were used for 23% of all payments, 11% of all in-person non-bill payments, and 45% of remote payments.
- 13.
Payments with mobile devices made up 6% of euro area point-of-sale transactions in 2024, almost double the 2022 share, according to the ECB.
European Central Bank, Study on the payment attitudes of consumers in the euro area (SPACE) 2024 (Dec 2024)
Exact wording at the source
The share of payments made with mobile devices20 remained quite low (6%) but has almost doubled compared with 2022.
- 14.
By value, mobile devices' share of euro area point-of-sale payments rose from 4% in 2022 to 7% in 2024.
European Central Bank, Study on the payment attitudes of consumers in the euro area (SPACE) 2024 (Dec 2024)
Exact wording at the source
In terms of value, the share of card payments in 2024 was 1 percentage point lower than in 2022, while the share of payments made with mobile devices increased from 4% to 7%.
- 15.
Mobile payments were under 5% of point-of-sale transactions in seven euro area countries in 2024.
European Central Bank, Study on the payment attitudes of consumers in the euro area (SPACE) 2024 (Dec 2024)
Exact wording at the source
The use of mobile payments has been growing relatively slowly in some parts of the euro area and the share of mobile payments was less than 5% in seven euro area countries.
- 16.
Cash was used for 52% of euro area point-of-sale payments in 2024, down from 79% in 2016.
European Central Bank, Study on the payment attitudes of consumers in the euro area (SPACE) 2024 (Dec 2024)
Exact wording at the source
more than half (52%) of POS payments in the euro area were carried out using cash in 2024.
- 17.
Card payments rose from 34% of euro area point-of-sale transactions in 2022 to 39% in 2024.
European Central Bank, Study on the payment attitudes of consumers in the euro area (SPACE) 2024 (Dec 2024)
Exact wording at the source
The proportion of card payments increased from 34% in 2022 to 39% in 2024.
- 18.
Payment wallets and mobile apps accounted for 29% of euro area online payments in 2024, up from 26% in 2022; cards had 48%.
European Central Bank, Study on the payment attitudes of consumers in the euro area (SPACE) 2024 (Dec 2024)
Exact wording at the source
The share of e-payment solutions, i.e. payment wallets and mobile apps, was 29% (26%).
- 19.
Smartphone and other mobile payment methods were used for 10% of all payments in Germany in 2025, 4 percentage points more than in 2023, per the Bundesbank.
Deutsche Bundesbank, Payment behaviour in Germany in 2025 (press release) (Jun 2026)
Exact wording at the source
Mobile payment methods were used for 10 % of all payments, which is 4 percentage points more than in 2023.
- 20.
For the first time, 55% of recorded purchases in Germany in 2025 were paid with cashless methods.
Deutsche Bundesbank, Payment behaviour in Germany in 2025 (press release) (Jun 2026)
Exact wording at the source
The Bundesbank’s latest study on payment behaviour in Germany for 2025 shows that 55 % of all recorded purchases were made using cashless means of payment.
- 21.
PayPal held a market share of around 86% of e-payment methods used in Germany in 2025, according to the Bundesbank study.
Deutsche Bundesbank, Payment behaviour in Germany in 2025 (press release) (Jun 2026)
Exact wording at the source
PayPal dominates the market for e-payment methods, accounting for a market share of around 86 %.
Chart
Cash share of euro area point-of-sale payments
Share of point-of-sale transactions by number, euro area consumers, ECB SUCH and SPACE studies, 2016 to 2024.
Source: European Central Bank, Study on the payment attitudes of consumers in the euro area (SPACE) 2024
Digital wallets' share of online and in-store spending
- 22.
Digital wallets accounted for 56% of global ecommerce spending in 2025, making them the most used way to pay online, according to Worldpay's Global Payments Report 2026.
Worldpay (Global Payments), Global Payments Report 2026: the trends redefining payments (Aug 2026)
Exact wording at the source
Globally, digital wallets accounted for 56% of online and 33% of in-person spending in 2025, making them the world’s leading way to pay.
- 23.
Digital wallets accounted for 33% of global in-person spending in 2025.
Worldpay (Global Payments), Global Payments Report 2026: the trends redefining payments (Aug 2026)
Exact wording at the source
Globally, digital wallets accounted for 56% of online and 33% of in-person spending in 2025, making them the world’s leading way to pay.
- 24.
Worldpay forecasts that payment apps will account for 46% of global point-of-sale value by 2030, worth $15.6 trillion.
Worldpay (Global Payments), Global Payments Report 2026: the trends redefining payments (Aug 2026)
Exact wording at the source
Payment apps are on track to power 46% of global POS value by 2030, worth $15.6 trillion.
- 25.
In the US, digital wallets represented 40% of online transaction value in 2025.
Worldpay (Global Payments), What 63,000 shoppers just told us about paying (May 2026)
Exact wording at the source
In the US, digital wallets represent 40% of online transaction value and 17% of in-store point-of-sale (POS) value.
- 26.
Digital wallets represented 17% of US in-store point-of-sale value in 2025, roughly half the global share.
Worldpay (Global Payments), What 63,000 shoppers just told us about paying (May 2026)
Exact wording at the source
In the US, digital wallets represent 40% of online transaction value and 17% of in-store point-of-sale (POS) value.
- 27.
US consumers spent more than $16 trillion with credit, debit and prepaid cards in 2025, per Worldpay.
Worldpay (Global Payments), What 63,000 shoppers just told us about paying (May 2026)
Exact wording at the source
Cards remain essential: US consumers spent more than $16 trillion via credit, debit and prepaid cards in 2025.
- 28.
Buy now, pay later accounted for 6% of US ecommerce value in 2025 and is forecast to grow 13% a year through 2030.
Worldpay (Global Payments), What 63,000 shoppers just told us about paying (May 2026)
Exact wording at the source
Buy now, pay later (BNPL) accounts for 6% of US e-commerce value and is forecast to grow at 13% annually through 2030.
Chart
Digital wallet share of spending, global vs US, 2025
Share of transaction value, Worldpay Global Payments Report 2026, 2025 data.
- Global ecommerce56%
- Global in-store33%
- US online40%
- US in-store17%
Source: Worldpay (Global Payments), What 63,000 shoppers just told us about paying
Contactless and tap to pay
- 29.
Tap to pay made up 84% of Visa's face-to-face transactions globally in September 2026.
Visa Inc., Visa Inc. Annual Report on Form 10-K for fiscal year 2026 (Nov 2026)
Exact wording at the source
Tap to Pay has become the default way Visa cardholders pay, comprising 84% and 76% of face-to-face transactions globally and in the United States, respectively, in September 2026.
- 30.
Tap to pay made up 76% of Visa's face-to-face transactions in the United States in September 2026.
Visa Inc., Visa Inc. Annual Report on Form 10-K for fiscal year 2026 (Nov 2026)
Exact wording at the source
Tap to Pay has become the default way Visa cardholders pay, comprising 84% and 76% of face-to-face transactions globally and in the United States, respectively, in September 2026.
- 31.
Visa's Tap to Phone, which lets sellers accept contactless payments on a phone, passed 25 million transacting devices in more than 100 markets in fiscal 2026.
Visa Inc., Visa Inc. Annual Report on Form 10-K for fiscal year 2026 (Nov 2026)
Exact wording at the source
Tap to Phone surpassed 25 million transacting devices across more than 100 markets in fiscal 2026, enabling sellers to accept contactless payments using eligible mobile devices without dedicated payment terminals.
- 32.
Contactless payments accounted for more than 75% of transactions on Mastercard's network in 2025.
Mastercard, Contactless payments in 2025 (Dec 2025)
Exact wording at the source
Across our network, we saw that contactless payments accounted for more than 75% of our transactions in 2025.
- 33.
The number of people tapping a payment card to board transit in the US rose 37% year over year in 2025, according to Mastercard.
Mastercard, Contactless payments in 2025 (Dec 2025)
Exact wording at the source
Contactless is becoming the standard — not the exception — and 2025 moved the U.S. meaningfully closer to that reality, as evidenced by a 37% jump year over year in people using the cards already in their wallet to board transit.
- 34.
UK contactless debit and credit card payments totaled 19.2 billion in 2025, with growth slowing as the market matures.
UK Finance, UK Payment Markets 2026: Summary (Aug 2026)
Exact wording at the source
Contactless debit and credit card payments totalled 19.2 billion in 2025, but growth has slowed compared with the previous decade as the market has matured.
- 35.
62% of UK consumer debit card payments were contactless in 2025, or 16.2 billion payments.
UK Finance, UK Payment Markets 2026: Summary (Aug 2026)
Exact wording at the source
Contactless has been especially important: in 2025 there were 16.2 billion contactless debit card payments, and 62% of all consumer debit card payments were contactless.
- 36.
UK Finance projects contactless payments will reach 26 billion transactions, or 41% of all UK payments, by 2035.
UK Finance, UK Payment Markets 2026: Summary (Aug 2026)
Exact wording at the source
Contactless payments are projected to account for 26 billion transactions, or 41% of all payments, by 2035.
- 37.
63% of in-person payments in Canada were contactless in 2025, up from 60% in 2023, per the Bank of Canada.
Bank of Canada, 2025 Methods-of-Payment Survey Report: Cash in an Increasingly Digital and Mobile Economy (Staff Analytical Paper 2026-36) (Aug 2026)
Exact wording at the source
In 2025, 63% of in-person payments were contactless, slightly higher than 61% in 2024 and 60% in 2023 (Chart 9).
- 38.
Phones and other mobile form factors made up one quarter of contactless credit card payments and 15% of contactless debit payments in Canada in 2025.
Bank of Canada, 2025 Methods-of-Payment Survey Report: Cash in an Increasingly Digital and Mobile Economy (Staff Analytical Paper 2026-36) (Aug 2026)
Exact wording at the source
In 2025, mobile form factors accounted for one quarter of contactless credit payments and 15% of contactless debit payments.
- 39.
Device-based payments such as mobile wallets accounted for around 40% of Australian card payments in 2025, up from 31% in 2022.
Reserve Bank of Australia, Consumer Payment Behaviour in Australia (Bulletin, May 2026) (May 2026)
Exact wording at the source
Device-based payments accounted for around 40 per cent of card payments, up from 31 per cent in 2022.
Chart
Contactless card share of all UK payments
Share of all UK payments by number made with contactless cards, UK Payment Markets 2026.
Source: UK Finance, UK Payment Markets 2026: Summary
PayPal, Venmo, Cash App and Visa volumes
- 40.
PayPal's total payment volume, which includes Venmo, rose 6% to $487.1 billion in the third quarter of 2026.
PayPal Holdings, PayPal Reports Third Quarter 2026 Results (Form 8-K, Exhibit 99.1) (Oct 2026)
Exact wording at the source
Total payment volume (“TPV”) increased 6% to $487.1 billion; 7% FXN.
- 41.
PayPal had 440 million active accounts at the end of September 2026, up 0.6% from a year earlier.
PayPal Holdings, PayPal Reports Third Quarter 2026 Results (Form 8-K, Exhibit 99.1) (Oct 2026)
Exact wording at the source
Active accounts increased 0.6% to 440 million.
- 42.
PayPal processed 6.8 billion payment transactions in the third quarter of 2026, up 7%.
PayPal Holdings, PayPal Reports Third Quarter 2026 Results (Form 8-K, Exhibit 99.1) (Oct 2026)
Exact wording at the source
Payment transactions increased 7% to 6.8 billion.
- 43.
PayPal active accounts made 60.8 payment transactions each on a trailing 12-month basis as of September 2026, up 6%.
PayPal Holdings, PayPal Reports Third Quarter 2026 Results (Form 8-K, Exhibit 99.1) (Oct 2026)
Exact wording at the source
Payment transactions per active account (“TPA”) on a trailing 12-month basis increased 6% to 60.8.
- 44.
Block's Cash App had 60 million monthly transacting actives in September 2026.
Block, Inc., Q3 2026 Shareholder Letter (Form 8-K) (Nov 2026)
Exact wording at the source
Cash App monthly transacting actives grew to 60 million in September, as Neighborhoods brought more Square seller customers into Cash App.
- 45.
28 million Cash App monthly transacting actives used the Cash App Card as of September 2026, while 32 million did not.
Block, Inc., Q3 2026 Shareholder Letter (Form 8-K) (Nov 2026)
Exact wording at the source
As of September, 28 million monthly transacting actives used Cash App Card, which means 32 million did not.
- 46.
Cash App commerce volume, covering Cash App Card, Cash App Pay, Afterpay and Cash App Business, grew 14% to $56.9 billion in the third quarter of 2026.
Block, Inc., Q3 2026 Shareholder Letter (Form 8-K) (Nov 2026)
Exact wording at the source
Commerce Enablement volume grew 14% year over year to $56.9 billion, driven by Cash App Card and Afterpay BNPL.
- 47.
Square sellers processed $76.4 billion of gross payment volume in the third quarter of 2026, up 14%.
Block, Inc., Q3 2026 Shareholder Letter (Form 8-K) (Nov 2026)
Exact wording at the source
Square GPV grew 14% year over year in the third quarter on a reported and constant currency basis to $76.4 billion, reflecting strong GPV growth from new sellers.
- 48.
Visa's total payments and cash volume was $18 trillion in fiscal 2026, across more than 5 billion payment credentials.
Visa Inc., Visa Inc. Annual Report on Form 10-K for fiscal year 2026 (Nov 2026)
Exact wording at the source
During fiscal 2026, Visa’s total payments and cash volume was $18 trillion, and we had over 5 billion payment credentials
Chart
PayPal total payment volume by quarter ($ billions)
Quarterly TPV including Venmo, reported in millions and rounded to billions, Q3 2025 to Q3 2026.
- Q3 2025$458
- Q4 2025$475
- Q1 2026$464
- Q2 2026$486
- Q3 2026$487
Source: PayPal Holdings, PayPal Reports Third Quarter 2026 Results (Form 8-K, Exhibit 99.1)
US noncash payments: the card rails wallets run on
- 49.
US consumers and businesses made 236.6 billion noncash payments in 2024, up 31.9 billion from 2021, according to the Federal Reserve Payments Study.
Federal Reserve Board, National Payment Volumes, Top-Line Data (CY 2015-24), Federal Reserve Payments Study (Jul 2026)
Exact wording at the source
The total number of noncash payments rose to 236.6 billion in 2024, an increase of 31.9 billion from 2021, driven primarily by card payments.
- 50.
Cards accounted for over three quarters of US noncash payments by number in 2024.
Federal Reserve Board, Federal Reserve issues initial findings from its 2025 triennial payments study (Jul 2026)
Exact wording at the source
Cards once again were used most frequently, accounting for over three quarters of payments by number.
- 51.
US debit card payments reached 120.6 billion in 2024, the slowest three-year growth since 2000.
Federal Reserve Board, National Payment Volumes, Top-Line Data (CY 2015-24), Federal Reserve Payments Study (Jul 2026)
Exact wording at the source
In 2024, debit card payments reached 120.6 billion, up 13.8 billion from 2021.
- 52.
US credit card payments rose to 67.1 billion in 2024, up 16.2 billion from 2021, the fastest growth of any payment type.
Federal Reserve Board, National Payment Volumes, Top-Line Data (CY 2015-24), Federal Reserve Payments Study (Jul 2026)
Exact wording at the source
Credit card payments increased to 67.1 billion in 2024, up 16.2 billion from 2021.
Questions readers ask
- What share of payments are made with digital wallets?
- Globally, digital wallets accounted for 56% of ecommerce spending and 33% of in-person spending in 2025, according to Worldpay's Global Payments Report 2026. In the US, the Federal Reserve found phones were used for 23% of all consumer payments in 2024, including 45% of remote payments but only 11% of in-person purchases.
- How many people use mobile wallets?
- UK Finance estimates 37.6 million UK adults were registered for at least one mobile wallet in 2025, and 58% used mobile payments monthly. The Bank of Canada found 41% of Canadians used mobile payments in the past year, and the Reserve Bank of Australia found 43% of consumers paid with a phone or watch during a single survey week.
- How much money does PayPal process?
- PayPal's total payment volume, including Venmo, was $487.1 billion in the third quarter of 2026, up 6% from a year earlier, across 6.8 billion transactions. It reported 440 million active accounts.
- How many people use Cash App?
- Block reported 60 million Cash App monthly transacting actives in September 2026, and 28 million of them used the Cash App Card. Cash App commerce volume, including Cash App Pay and Afterpay, was $56.9 billion in the third quarter of 2026.
- Are contactless payments more common than chip or swipe?
- Yes on the major card networks. Visa says tap to pay made up 84% of its face-to-face transactions globally and 76% in the US in September 2026, and Mastercard says contactless was more than 75% of its transactions in 2025. In Canada, 63% of in-person payments were contactless in 2025, per the Bank of Canada.
- Is mobile payment use growing in Europe?
- Yes, from a low base. The ECB found mobile devices were used for 6% of euro area point-of-sale payments in 2024, nearly double 2022, and 7% by value. In Germany, the Bundesbank found smartphone payments reached 10% of all payments in 2025, up 4 percentage points from 2023.
Where these numbers come from
We used primary publishers only: central bank and official surveys (Federal Reserve Financial Services' Diary of Consumer Payment Choice, the Federal Reserve Payments Study, the ECB SPACE study, the Bank of Canada Methods-of-Payment Survey, the Reserve Bank of Australia Consumer Payments Survey, the Riksbank and the Bundesbank), industry data from UK Finance and Worldpay (Global Payments), network figures from Visa and Mastercard, and SEC filings from PayPal and Block. Every quote was refetched from the source page. Surveys measure use differently: by share of transactions in a diary, past-week, past-month or past-year use, so adoption rates are not directly comparable across countries. Worldpay figures are modeled estimates of transaction value. Visa and Mastercard figures cover only their own networks. PayPal volume includes Venmo and unbranded processing. The latest US diary and payments study data describe 2024, and the ECB study describes 2024. We store the sentence each number appears in, and a script loads the publisher's page again to make sure that sentence is still there. Our methodology has the details.
Sources
- Bank of Canada. 2025 Methods-of-Payment Survey Report: Cash in an Increasingly Digital and Mobile Economy (Staff Analytical Paper 2026-36) (Aug 2026).
- Block, Inc.. Q3 2026 Shareholder Letter (Form 8-K) (Nov 2026).
- Deutsche Bundesbank. Payment behaviour in Germany in 2025 (press release) (Jun 2026).
- European Central Bank. Study on the payment attitudes of consumers in the euro area (SPACE) 2024 (Dec 2024).
- Federal Reserve Board. National Payment Volumes, Top-Line Data (CY 2015-24), Federal Reserve Payments Study (Jul 2026).
- Federal Reserve Board. Federal Reserve issues initial findings from its 2025 triennial payments study (Jul 2026).
- Federal Reserve Financial Services. 2025 Findings from the Diary of Consumer Payment Choice (Jun 2025).
- Mastercard. Contactless payments in 2025 (Dec 2025).
- PayPal Holdings. PayPal Reports Third Quarter 2026 Results (Form 8-K, Exhibit 99.1) (Oct 2026).
- Reserve Bank of Australia. Consumer Payment Behaviour in Australia (Bulletin, May 2026) (May 2026).
- Sveriges Riksbank. Payments Report 2026: Payment habits in Sweden (Mar 2026).
- UK Finance. UK Payment Markets 2026: Summary (Aug 2026).
- Visa Inc.. Visa Inc. Annual Report on Form 10-K for fiscal year 2026 (Nov 2026).
- Worldpay (Global Payments). Global Payments Report 2026: the trends redefining payments (Aug 2026).
- Worldpay (Global Payments). What 63,000 shoppers just told us about paying (May 2026).
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