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Estimated average fees of different payment methods worldwide in 2025, by type

© ÌÇÐÄÆƽâ°æ 2026
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Source

Release date

September 2025

Region

Worldwide

Survey time period

September 4, 2025

Supplementary notes

The source adds the following information: The analysis included 50.7 trillion U.S. dollars worth of spending, and 509 billion U.S. dollars worth of payment fees. 

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Average payment method fees worldwide 2025, by type

Published by ÌÇÐÄÆƽâ°æ Research Department, May 4, 2026

Merchant payment fees varied considerably across tender types in 2025. Real-time payments carried the lowest volume-weighted average fee at **** percent, followed by debit cards at **** percent and digital wallets at **** percent. Cash and bank transfers were broadly in line with the overall average of **** percent, at **** percent and **** percent respectively. Credit cards were notably more expensive at **** percent, while stablecoins averaged **** percent. Buy now, pay later (BNPL) carried the highest average fee at **** percent, nearly three times the overall average.

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