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Tariffs impact on digital payments and fintech

Statistics report on what U.S. tariffs could mean for consumer and business payments worldwide in 2025

While U.S. tariffs target goods, and do not affect services directly, global uncertainty could indirectly impact the payments industry. Which segments and/or trends are now at risk? This report explores this question, sharing the most recent B2C and B2B statistics available.

First, it portrays macroeconomic information, focusing on what is already known by April 2025 on the tariffs. Second, the report shares figures on different consequences that may occur in payments, if reciprocal tariffs are rolled out further in 2025.

Some of the key questions asked in this report include: How big are the tariffs? What will be the role of the U.S. dollar? How could this impact cross-border payments? And will a global recession mean a further growth in buy now, pay later (BNPL)?

Table of contents

U.S. tariffs latest information

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  • Premium Statistic Average actual tariff rate on all imports to the U.S. 2015-2026
  • Premium Statistic Import tariffs between China and the U.S. compared to ROW 2018-2025
  • Premium Statistic Trade deficit and surplus in goods of the U.S. with select regions 2010-2025
  • Premium Statistic Leading suppliers of goods imported to the U.S. 2025
  • Basic Statistic Foreign holders U.S. Treasury securities February 2026

Key metrics for the payments industry

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  • Basic Statistic Estimated impact of reciprocal tariffs on inflation by country 2025
  • Premium Statistic Retail e-commerce sales growth worldwide 2018-2026
  • Premium Statistic Number of digital payments worldwide 2007-2024 with forecasts to 2029, by region
  • Premium Statistic Market size of global wholesale, B2B, B2C cross-border payments in 2024 and 2032
  • Premium Statistic Investment activity in fintech worldwide 2010-2025

Cross-border payments impacts B2B

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  • Premium Statistic Value of SME and B2B corporate card spending worldwide 2021-2026
  • Premium Statistic Annual B2B, B2C, C2B cross-border and remittances revenue in Asia-Pacific 2014-2024
  • Premium Statistic Annual B2B, B2C, C2B cross-border and remittances revenue in North America 2014-2024
  • Premium Statistic Annual B2B, B2C, C2B cross-border payments and remittances revenue in LATAM 2014-2024
  • Premium Statistic Annual B2B, B2C, C2B cross-border payments and remittances revenue in EMEA 2014-2024

U.S. dollar volatility to change finance

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  • Premium Statistic Triennial forex daily volume with 39 different currencies 2001-2025
  • Premium Statistic Monthly international payments currency share in SWIFT 2019-2026
  • Basic Statistic Quarterly share of U.S. dollar in global reserves worldwide 1999-2025
  • Premium Statistic Quarterly value of global central bank gold buying 2010-2026
  • Premium Statistic Monthly forex reserves in 85 countries and territories worldwide 2025

U.S. payment rails are challenged

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  • Premium Statistic Annual Visa, Mastercard, UnionPay transaction volume worldwide 2014-2024
  • Premium Statistic Market share of Visa, Mastercard, Amex in corporate cards 2021-2022
  • Premium Statistic Visa, Mastercard share against domestic solutions in 16 countries in Europe 2024
  • Premium Statistic Monthly downloads of digital wallet Wero in several countries in Europe 2024-2025
  • Premium Statistic Real-time payments (RTP) transactions in 58 territories in 2023, with a 2027 forecast

Stablecoin rely on the U.S. dollar

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  • Basic Statistic Share of all stablecoins in overall crypto market cap on July 16, 2026
  • Premium Statistic Market size of USD-backed stablecoin up to September 12, 2025
  • Premium Statistic Quarterly Tether (USDT) collateral backing, by asset type 2023-2026
  • Premium Statistic Market size of non-USD fiat-backed stablecoin up to September 12, 2025
  • Premium Statistic Opinion of banks whether to adopt digital assets (crypto, stablecoin, CBDC) 2023-2025

Declining interest rates lower loans

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  • Premium Statistic Inflation rate and central bank interest rate 2026, by selected countries
  • Premium Statistic Monthly inflation rate and central bank interest rate in the UK 2018-2026
  • Basic Statistic Monthly inflation rate and central bank interest rate in Germany 2018-2026
  • Premium Statistic Monthly inflation rate and central bank interest rate in Brazil 2018-2026
  • Premium Statistic Monthly credit card APR and Federal Reserve interest rate in the U.S. 2010-2025

U.S. and global spending to cool

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  • Premium Statistic Global consumer confidence index 2020-2025
  • Premium Statistic Impact of U.S. tariffs on net income of luxury brands 2025
  • Premium Statistic Quarterly credit card debt in the U.S. 2010-2026
  • Premium Statistic Quarterly credit card loan delinquency rates in the U.S. 1991-2025
  • Premium Statistic Quarterly delinquency rate of BNPL (buy now, pay later) company Affirm 2017-2026

BNPL use might increase further

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  • Premium Statistic Buy now, pay later (BNPL) share in e-commerce in 43 countries worldwide 2016-2025
  • Premium Statistic Annual buy now, pay later (BNPL) global market size 2014-2025, with forecast to 2030
  • Premium Statistic Biggest buy now, pay later (BNPL) apps in the U.S. in 2025, based on MAU
  • Premium Statistic Main reasons for the increased use of BNPL worldwide 2024, by age and gender
  • Premium Statistic Reasons to use buy now, pay later (BNPL) in the U.S. 2022-2025

Payment providers can be impacted

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  • Premium Statistic Credit card processing fees in the U.S. in 2024, by brand
  • Premium Statistic Biggest merchant acquirers in the U.S. 2015-2024, based on number of transactions
  • Premium Statistic Quarterly take rate of PayPal 2015-2025
  • Premium Statistic (Bi)annual take rate of Adyen 2015-2024
  • Premium Statistic Wise cross-border volume 2019-2025
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