Topic: Payment trends 2025

Digital payment trends worldwide in 2025 - statistics & facts

Digital payments and fintech innovation are expected to keep rising in 2025. Opinions differ, however, on whether this growth will accelerate or slow down. Geopolitics, regulation, and rapid developments in both technology and sustainability within financial services all impact the payments industry in 2025. Nevertheless, what is the current state of play in digital payments, and what are the future intentions of payment providers?

Shopify share in online payment processing technologies
*****%

Digital wallet share in e-commerce worldwide in 2030
**%

B2B cross-border payments market size in 2032
**tn USD

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Current statistics on this topic

Payments

Number of digital payments worldwide 2007-2024 with forecasts to 2029, by region

Payments

Mobile wallet adoption in 38 countries and territories worldwide as of 2023

Payments

Key technologies observed in the payments industry according to professionals in 2024

Digital payments composition and outlook

Number of digital payments worldwide 2007-2024 with forecasts to 2029, by region
Number of digital payments worldwide 2007-2024 with forecasts to 2029, by region
Total number of cashless transactions worldwide - including B2C and B2B - from 2007 to 2024, with forecasts for 2025 and 2029, by region (in billions)
Distribution of digital payments worldwide 2020-2024 with forecast to 2029, by type
Distribution of digital payments worldwide 2020-2024 with forecast to 2029, by type
Distribution of cashless transactions worldwide from 2020 to 2024, with forecast for 2029, by payment type
Most used payment methods in e-commerce worldwide in 2025, with a forecast for 2030
Most used payment methods in e-commerce worldwide in 2025, with a forecast for 2030
Transaction value and market share of payment methods in total e-commerce transaction value worldwide in 2025, with a forecast for 2030
Most used payment methods in physical POS worldwide in 2025, with a forecast for 2030
Most used payment methods in physical POS worldwide in 2025, with a forecast for 2030
Transaction value and market share of payment methods in total point of sale (POS) transaction value worldwide in 2025, with a forecast for 2030
Key trends observed in the payments industry according to professionals in 2025
Key trends observed in the payments industry according to professionals in 2025
Most influential trends in the payments industry according to senior payment professionals worldwide in 2025

Instant payments are considered essential

Key technologies observed in the payments industry according to professionals in 2024
Key technologies observed in the payments industry according to professionals in 2024
Most influential technologies in the payments industry according to senior payment professionals worldwide in 2024
Most promising options for central banks to improve cross-border payments 2022-2024
Most promising options for central banks to improve cross-border payments 2022-2024
Key avenues that central banks consider to have the most promise to improve cross-border payments from 2022 to 2024
Transaction value of real-time payments worldwide in 2025, with a 2030 forecast
Transaction value of real-time payments worldwide in 2025, with a 2030 forecast
Market size of real-time payments worldwide in 2025, with a forecast for 2030 (in billion U.S. dollars)
Top regions with the most real-time payments (RTP) in 2022, with a 2027 forecast
Top regions with the most real-time payments (RTP) in 2022, with a 2027 forecast
Regions with the highest number of real-time payment (RTP) transactions worldwide in 2022, with a forecast for 2027
Real-time payments (RTP) transactions in 58 territories in 2023, with a 2027 forecast
Real-time payments (RTP) transactions in 58 territories in 2023, with a 2027 forecast
Number of real-time payments (RTP) transactions in 58 countries and territories worldwide in 2022 and 2023, with a forecast for 2027

Mobile payments are to increase further

Mobile wallet adoption in 38 countries and territories worldwide as of 2023
Mobile wallet adoption in 38 countries and territories worldwide as of 2023
Share of respondents who indicated they both have a mobile wallet and used in the past year, in different countries and territories in the world in 2023
Digital wallet share in e-commerce and POS in 2025 with a 2030 forecast, by region
Digital wallet share in e-commerce and POS in 2025 with a 2030 forecast, by region
Market share of digital/mobile wallets in total e-commerce and POS transaction value worldwide in 2025 with a forecast for 2030, by region
Value of card linked wallets in e-commerce in India 2023, with 2028 forecast
Value of card linked wallets in e-commerce in India 2023, with 2028 forecast
Value of transactions with card-linked and non-card-linked wallets in online shopping in India in 2023, with a forecast for 2028
Value of card linked wallets e-commerce Saudi Arabia (KSA) 2023, with 2028 forecast
Value of card linked wallets e-commerce Saudi Arabia (KSA) 2023, with 2028 forecast
Value of transactions with card-linked and non-card-linked wallets in online shopping in Saudi Arabia (KSA) in 2023, with a forecast for 2028
Value of card linked wallets in e-commerce in Singapore 2023, with 2028 forecast
Value of card linked wallets in e-commerce in Singapore 2023, with 2028 forecast
Value of transactions with card-linked and non-card-linked wallets in online shopping in Singapore in 2023, with a forecast for 2028

AI could help improve payments

Artificial intelligence (AI) use cases in payments, according to professionals 2024
Artificial intelligence (AI) use cases in payments, according to professionals 2024
Use case of artificial intelligence (AI) and machine learning in the payments industry according to senior payment professionals worldwide in 2024
Adoption of artificial intelligence (AI)-driven payments worldwide 2024, by age group
Adoption of artificial intelligence (AI)-driven payments worldwide 2024, by age group
Share of consumers worldwide who indicate they are comfortable with companies using artificial intelligence (AI) to improve digital payments as of 2024, by demographic
Adoption of artificial intelligence (AI) payments in 7 countries Europe and NA 2024
Adoption of artificial intelligence (AI) payments in 7 countries Europe and NA 2024
Share of consumers in selected countries in Europe and North America who indicate they are comfortable with companies using artificial intelligence (AI) to improve digital payments as of 2024
Adoption of artificial intelligence (AI) payments in 7 countries Latin America 2024
Adoption of artificial intelligence (AI) payments in 7 countries Latin America 2024
Share of consumers in Latin America who indicate they are comfortable with companies using artificial intelligence (AI) to improve digital payments as of 2024

Linking cross-border payments a big focus

Market size of global wholesale, B2B, B2C cross-border payments in 2024 and 2032
Market size of global wholesale, B2B, B2C cross-border payments in 2024 and 2032
Value of total cross-border payments market worldwide in 2024, with a forecast for 2032 (in trillion U.S. dollars)
Annual B2B, B2C, C2B cross-border and remittances revenue in Asia-Pacific 2014-2024
Annual B2B, B2C, C2B cross-border and remittances revenue in Asia-Pacific 2014-2024
Total cross-border payments revenue - B2B, B2C, C2B, remittances - in Asia-Pacific (APAC) from 2014 to 2024 (in billion U.S. dollars)
Annual B2B, B2C, C2B cross-border payments and remittances revenue in EMEA 2014-2024
Annual B2B, B2C, C2B cross-border payments and remittances revenue in EMEA 2014-2024
Total cross-border payments revenue – B2B, B2C, C2B, remittances – in Europe, Middle East, Africa (EMEA) from 2014 to 2024 (in billion U.S. dollars)
Annual B2B, B2C, C2B cross-border payments and remittances revenue in LATAM 2014-2024
Annual B2B, B2C, C2B cross-border payments and remittances revenue in LATAM 2014-2024
Total cross-border payments revenue – B2B, B2C, C2B, remittances – in Latin America (LATAM) from 2014 to 2024 (in billion U.S. dollars)
Annual B2B, B2C, C2B cross-border and remittances revenue in North America 2014-2024
Annual B2B, B2C, C2B cross-border and remittances revenue in North America 2014-2024
Total cross-border payments revenue – B2B, B2C, C2B, remittances – in North America from 2014 to 2024 (in billion U.S. dollars)

Fintech keeps challenging traditional providers

Market share of online payment processing software on web domains worldwide 2026
Market share of online payment processing software on web domains worldwide 2026
Most used payment processing technology - including payment gateways and BNPL (buy now, pay later) - on websites worldwide as of May 2026
Annual TPV (Total Payment Volume) of Stripe 2015-2025, in USD
Annual TPV (Total Payment Volume) of Stripe 2015-2025, in USD
Value of payments processed (TPV - Total Payment Volume) of Stripe worldwide from 2015 to 2025
Quarterly Gross Payments Volume of Shopify 2020-2024
Quarterly Gross Payments Volume of Shopify 2020-2024
Gross Payments Volume (GPV) of Shopify worldwide from 1st quarter 2020 to 2nd quarter 2024 (in billion U.S. dollars)
(Bi)annual TPV Total Payment Volume of Adyen 2015-2025, in domestic currency and USD
(Bi)annual TPV Total Payment Volume of Adyen 2015-2025, in domestic currency and USD
Value of payments processed, or TPV - Total Payment Volume, of payment gateway Adyen from 2015 to 2nd quarter of 2025 (in million euros, and estimates in U.S. dollars)
Leading neobanks worldwide 2024, by MAU
Leading neobanks worldwide 2024, by MAU
Leading neobanks worldwide in 2024, by monthly active users

BNPL continues to become mainstream

Annual buy now, pay later (BNPL) global market size 2014-2025, with forecast to 2030
Annual buy now, pay later (BNPL) global market size 2014-2025, with forecast to 2030
Global transaction value of buy now, pay later (BNPL) in e-commerce from 2014 to 2025, with a forecast for 2030 (in billion U.S. dollars)
BNPL (buy now, pay later) users in India and worldwide 2022, with a 2027 forecast
BNPL (buy now, pay later) users in India and worldwide 2022, with a 2027 forecast
Number of BNPL (buy now, pay later) users in India and worldwide in 2022, with a forecast for 2027 (in millions)
Buy now, pay later (BNPL) share in e-commerce in 43 countries worldwide 2016-2025
Buy now, pay later (BNPL) share in e-commerce in 43 countries worldwide 2016-2025
Market share of buy now, pay later (BNPL) in domestic e-commerce payments in 43 countries and territories worldwide from 2016 to 2024
Active users and GMV of leading BNPL providers Klarna, Afterpay, and Affirm 2025
Active users and GMV of leading BNPL providers Klarna, Afterpay, and Affirm 2025
Active users and gross merchandising volume (GMV) of leading BNPL providers Klarna, Afterpay, Affirm, and PayPal Pay Later in 2025
Merchants who use Pay in 4 for buy now, pay later in 33 countries worldwide 2025
Merchants who use Pay in 4 for buy now, pay later in 33 countries worldwide 2025
Number and share of merchants who use PayPal's Pay in 4 as a buy now, pay later (BNPL) solution on their website across various countries in the world as of January 10, 2025

B2B shifts to digital payments

Value of SME and B2B corporate card spending worldwide 2021-2026
Value of SME and B2B corporate card spending worldwide 2021-2026
Total value of commercial payment card expenditure, including small businesses (SME), B2B, and travel and entertainment (T&E) worldwide from 2021 to 2024, with a forecast until 2026 (in billion U.S. dollars)
B2B digital payments number in Asia-Pacific (APAC) 2019-2024 with forecasts to 2028
B2B digital payments number in Asia-Pacific (APAC) 2019-2024 with forecasts to 2028
Total number of cashless B2B payment transactions in Asia-Pacific (APAC) from 2019 to 2024, with forecasts for 2025 and 2028 (in billions)
Number of digital payments in Europe 2007-2024 with forecasts to 2029
Number of digital payments in Europe 2007-2024 with forecasts to 2029
Total number of cashless transactions in Europe from 2007 to 2024, with forecasts for 2025 and 2029 (in billions)
B2B digital payments number in Latin America 2019-2024 with forecasts to 2028
B2B digital payments number in Latin America 2019-2024 with forecasts to 2028
Total number of cashless B2B payment transactions in Latin America from 2019 to 2024, with forecasts for 2025 and 2028 (in billions)
B2B digital payments number in Middle East, Africa 2019-2024 with forecasts to 2028
B2B digital payments number in Middle East, Africa 2019-2024 with forecasts to 2028
Total number of cashless B2B payment transactions in Middle East, Africa (MEA) from 2019 to 2024, with forecasts for 2025 and 2028 (in billions)
B2B digital payments number in North America 2019-2024 with forecasts to 2028
B2B digital payments number in North America 2019-2024 with forecasts to 2028
Total number of cashless B2B transactions in North America from 2019 to 2024, with forecasts for 2025 and 2028 (in billions)

Open banking remains a Europe trend

Number of open banking API calls worldwide 2025 and 2029
Number of open banking API calls worldwide 2025 and 2029
Number of open banking Application Programming Interface (API) calls in 2025, with a forecast for 2029 (in billions)
Open banking users worldwide in 2020 with forecasts to 2024, by region
Open banking users worldwide in 2020 with forecasts to 2024, by region
Number of open banking users worldwide in 2020 with forecasts from 2021 to 2024, by region (in millions)
Value of open banking transactions worldwide and in the UK 2023 and 2027
Value of open banking transactions worldwide and in the UK 2023 and 2027
Value of open banking transactions worldwide and in the United Kingdom (UK) in 2023, with a forecast for 2027 (in billion U.S. dollars)
Open finance classification worldwide 2024, by region
Open finance classification worldwide 2024, by region
Open banking and open finance classification of jurisdictions worldwide in 2024, by region
Main travel payment technologies planned to be implemented worldwide 2023
Main travel payment technologies planned to be implemented worldwide 2023
Main technology solutions planned to be implemented by payments leaders in the travel industry worldwide in the next 12 months as of 4th quarter 2023

Blockchain's limited impact in 2025

Drivers for central banks in developed, emerging markets on why to develop CBDC 2024
Drivers for central banks in developed, emerging markets on why to develop CBDC 2024
Key motivation for the development and research of central bank digital currency (CBDC) among central banks in 2023 and 2024
Opinion of banks whether to adopt digital assets (crypto, stablecoin, CBDC) 2023-2025
Opinion of banks whether to adopt digital assets (crypto, stablecoin, CBDC) 2023-2025
Approaches taken by banks on future adoption of digital assets - cryptocurrency, stablecoin, central bank digital currency (CBDC) - as of 2023
Increase in use of selected online payment methods worldwide in 2024, by age gender
Increase in use of selected online payment methods worldwide in 2024, by age gender
Share of consumers worldwide who indicate they increasingly use selected types of online payment methods as of 2024, by demographic
Crypto market size in B2C e-commerce payments worldwide 2024, with forecast for 2026
Crypto market size in B2C e-commerce payments worldwide 2024, with forecast for 2026
Value and share of cryptocurrency in consumer (B2C) transactions in global e-commerce from 2022 to 2024, with a forecast for 2026
Penetration of crypto as a means of payment in selected countries worldwide in 2024
Penetration of crypto as a means of payment in selected countries worldwide in 2024
Market share of cryptocurrency compared to other payment methods in selected countries across the world as of 2024

Shopify share in online payment processing technologies
*****%

Digital wallet share in e-commerce worldwide in 2030
**%

B2B cross-border payments market size in 2032
**tn USD

Key figures

The most important key figures provide you with a compact summary of the topic of "Payment trends 2025" and take you straight to the corresponding statistics.

- Transaction value of mobile payments
- ***tr CNY
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Detailed statistics
Mobile payment transaction value in China 2013-2024
- Number of mobile payment users
- *****m
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Detailed statistics
Mobile payment users in China 2014-2025
- Mobile payments penetration rate
- **%
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Detailed statistics
Mobile payment usage rate in China 2016-2025

- Number of digital payments processed
- *****bn
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Detailed statistics
Volume of digital payments in India FY 2025, by mode
- BHIM UPI market share in digital payments
- *****%
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Detailed statistics
Share of payment systems India 2026
- Bank with highest market share in credit cards
- HDFC Bank
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Detailed statistics
Credit card market share India 2024, bank

- BNPL market share in online payments in 2030
- *%
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Most used e-commerce payment methods in the UK 2016-2025, with 2030 forecast
- Biggest payment card scheme
- Visa
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Detailed statistics
Visa, Mastercard share against domestic solutions in 16 countries in Europe 2024
- Monthly contactless transaction volume
- ****bn
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Detailed statistics
Monthly number of contactless card transactions in the UK 2015-2026

- Users who use BNPL the most in the U.S.
- **-to-***year-olds
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Detailed statistics
Annual buy now, pay later (BNPL) users in the U.S. 2020-2023, by age and gender
- Credit card market share in POS in 2030
- **%
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Detailed statistics
Most used in-store (POS) payment methods in the U.S. 2017-2025, with 2030 forecast
- Apple Pay POS penetration among total respondents
- **%
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Detailed statistics
Quarterly Apple Pay penetration, online or offline, in the U.S. 2018-2026

Further reports

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Digital Payments: market data & analysis

Digital payments in Singapore: the cashless future of Southeast Asia

Remittances: The globalization of digital payments

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Digital payment trends worldwide in 2025 - statistics & facts

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