Checkout Payment Method Statistics
Digital wallets took 56% of global e-commerce value in 2025 (Worldpay, 2026), but the right payment mix still depends on the market. This page collects sourced, dated figures on wallet, card and BNPL share by market, and on how express wallets and BNPL change conversion and order value.
Checkout payment method statistics
Sourced, dated figures on how online shoppers pay (wallets, cards, BNPL) and how each method affects checkout conversion and order value.
Checkout payment method statistics measure two things. The first is the payment mix: the share of e-commerce value that goes through digital wallets, credit and debit cards, buy now, pay later (BNPL) and account-to-account transfers, split by market. The second is the commercial effect: how adding a method such as Shop Pay, Apple Pay or Klarna changes conversion rate, average order value (AOV) and abandonment.
The main source for payment mix is Worldpay's annual Global Payments Report. Data on effects mostly comes from payment providers and platforms, so read those figures as upper bounds, not as the lift your store should expect. Every figure below includes its publisher and the year it covers.
Key statistics
• Digital wallets made up 56% of global e-commerce transaction value in 2025 (Worldpay Global Payments Report 2026). • Direct card payments still made up 31% of global online value in 2025 (Worldpay GPR 2026). • Digital wallets took 40% of US and 40% of UK e-commerce value in 2025 (Worldpay GPR 2026). • Germany had Western Europe's highest wallet share at 52% of online value in 2025, and BNPL took 18% of German e-commerce (Worldpay GPR 2026). • BNPL apps handled about $300 billion of global e-commerce value in 2025, forecast to reach $500 billion by 2030 (Worldpay GPR 2026). • Shop Pay raises conversion by up to 50% compared with guest checkout (Shopify, 2023 study). • Adding a relevant payment method beyond cards raised conversion by 7.4% and revenue by 12% on average across 50 A/B tests (Stripe, 2024). • US shoppers spent $18.2 billion online with BNPL during the 2024 holiday season (Adobe Digital Insights, 2025).
Most payment method data comes from two kinds of sources. Global reports like Worldpay's show how people pay. Merchant-side studies from Shopify, Stripe and BNPL providers show what happens when you add a method. This page keeps the two separate because they answer different questions: what to offer, and what offering it is likely to be worth.
Payment method share by market (2025)
Share of e-commerce transaction value by payment method, 2025 (n/r = not reported in the sources used here)
| Market | Digital wallets | Direct cards | BNPL | Notable detail |
|---|---|---|---|---|
| Global | 56% | 31% | 5% (2024) | Wallets also 33% of in-store value |
| United States | 40% | n/r | n/r | Wallets 17% of in-store value |
| United Kingdom | 40% | 46% | 8% | Wallets forecast to reach 50% by 2030 |
| Germany | 52% | n/r | 18% | PayPal cited by 70% of online shoppers |
| Japan | n/r | 58% (credit only) | n/r | Highest direct credit-card share online |
The global wallet figure hides large differences between markets. A UK store still takes almost half its online value on cards (46%). A German store gets more than half through wallets, plus 18% through BNPL and invoice-style payments that go back to Germany's habit of paying after the goods arrive.
"Wallets vs cards" is also less of a contest than it looks. Worldpay counts card-funded wallet payments as wallet volume. In its 2025 report, it estimated that 56% of wallet payments are funded by cards, which means cards were involved in about 65% of global transactions in 2024. When you add Apple Pay, the card rails stay underneath. What changes is the checkout experience on top.
If you sell across borders with Shopify Markets or a multi-store Magento setup, use market-level figures, not the global average. Payment options that are fine for UK checkout can lose German shoppers who expect PayPal and an invoice or pay-later choice.
Digital wallet adoption: trend and market split
Digital wallet share of e-commerce transaction value, 2025
Wallet share rose steadily over three years: about 50% of global e-commerce value in 2023 (Worldpay GPR 2024), 53% in 2024 (GPR 2025) and 56% in 2025 (GPR 2026). Worldpay puts total wallet spend, online and in-store combined, at more than $13.8 trillion in 2025.
Age makes a big difference. In the UK, 66% of 18–24-year-olds name a digital wallet as their top online payment method, compared with 29% of 55–64-year-olds and 23% of people aged 65 and over (Worldpay GPR 2026). If you run a skincare brand selling to Gen Z, a wallet button above the fold is the default. If you sell premium homeware to older buyers, keep card entry just as easy to reach.
Device adds another layer. Mobile made up 54.5% of US online holiday spend in 2024 (Adobe Digital Insights, 2025). Typing a 16-digit card number on a phone is where checkout friction is highest, and it's exactly the step that wallets like Apple Pay and Google Pay remove.
Conversion and order-value effects of express wallets and BNPL
Reported checkout effects of payment methods (provider and analyst studies)
| Finding | Figure | Source and year | Metric |
|---|---|---|---|
| Shop Pay vs guest checkout | Up to +50% | Shopify, 2023 | Conversion rate |
| Shop Pay vs other accelerated checkouts | At least +10% | Shopify, 2023 | Conversion rate |
| Adding a relevant non-card method | +7.4% conv. / +12% revenue | Stripe, 2024 (50 A/B tests) | Conversion and revenue |
| Enabling Apple Pay | +22.3% | Stripe, 2024 | Conversion rate |
| Offering BNPL | +30% to +50% | RBC Capital Markets, 2020 | Average order value |
| US holiday BNPL online spend | $18.2bn (+9.6% YoY) | Adobe, 2024 season | Spend |
| Abandoned due to too few payment methods | 13% | Baymard Institute, 2024 | Share of abandoners |
| Global BNPL app e-commerce value | $300bn (2025) → $500bn (2030f) | Worldpay GPR 2026 | Spend |
Express wallets mostly increase conversion. BNPL mostly increases order value. Shop Pay and Apple Pay remove form-filling, so the gain comes from more shoppers finishing checkout. BNPL makes a €240 jacket look like four payments of €60, so the gain shows up as bigger baskets and more full-price sales of higher-priced items.
The Baymard figure shows the risk on the other side. About one in eight shoppers who abandon checkout say there weren't enough payment options. That's lower than unexpected extra costs, but it's the easiest abandonment reason to fix: one app installation, no redesign.
Treat vendor lift figures as ceilings
Most lift figures come from companies that sell the payment method. They're usually measured against weak baselines such as guest checkout with no autofill. Your actual lift depends on how much friction your current checkout has, your mobile share and your price point. A store that already offers PayPal and Apple Pay won't get another 50% from Shop Pay. Test it on your own traffic before you build a forecast on it.
What these numbers mean for your checkout
Start with your market mix, not the headline numbers. Pull orders by country and check them against the table above. If 20% of revenue comes from Germany, PayPal and a pay-later option are must-haves. For a store focused on the UK, cards plus Apple Pay and Google Pay cover most demand.
Next, match the method to the problem. If mobile shoppers drop off at the payment step, add or move up express wallets. If your AOV is stuck below your free-shipping threshold, or you sell items over about €150, BNPL is the better test. Keep BNPL fees in mind: they're usually well above card processing fees, so a higher AOV has to pay for a higher cost per order.
Don't overload the checkout either. Seven payment logos above the fold add visual noise and can slow the page down. Show the two or three methods your traffic uses most, and put the rest behind a "more options" control. This is a core part of checkout optimization: give shoppers the right choices, not the most choices.
Finally, measure at the payment step, not just overall conversion. Track conversion by payment method, by device and by country before and after each change, so a mobile wallet gain isn't diluted by desktop traffic.
How to use these numbers
Cite the payment-mix figures (Worldpay GPR 2026) to decide which methods to offer in each market. Treat the lift figures (Shopify, Stripe, RBC) as hypotheses with a likely upper bound, not forecasts. Before you change anything, record your payment-step conversion by device and country. Then A/B test one method or one button position at a time, and judge it on revenue per visitor so you catch both conversion and AOV effects.
Checkout payment method statistics: FAQ
Digital wallets. They made up 56% of global e-commerce transaction value in 2025, according to Worldpay's Global Payments Report 2026. Direct card payments came second at 31% of online value.
Digital wallets made up 40% of US e-commerce value and 17% of in-store value in 2025 (Worldpay GPR 2026). Card use online is still high in the US, so card entry needs to stay quick and easy to find.
It varies a lot by market. BNPL made up 18% of German e-commerce value in 2025 but 8% in the UK (Worldpay GPR 2026). Germany's high share goes back to the long-standing habit of paying by invoice.
Shopify reports that Shop Pay raises conversion by up to 50% compared with guest checkout, and by at least 10% compared with other accelerated checkouts (2023 study). Those are best-case comparisons. If you already offer PayPal and Apple Pay, expect a much smaller gain.
Usually, yes. RBC Capital Markets estimated a 30–50% AOV lift for merchants offering BNPL (2020). The effect is strongest above roughly €100–150 per order and in fashion, beauty bundles and home goods.
About 13% of US shoppers who abandoned a checkout said there weren't enough payment methods (Baymard Institute, 2024). That's lower than unexpected extra costs, but it's one of the cheapest abandonment reasons to fix.
On Shopify, WooCommerce with Stripe, and Magento with most PSPs, wallet buttons load through the payment provider's script and add little weight to the page. The bigger speed risk is stacking several separate wallet and BNPL widgets on product pages. Check your page load times after each one you add.
Direct card share is falling, but card volume isn't. Worldpay estimated that 56% of wallet payments are funded by cards, so cards were involved in about 65% of global transactions in 2024. Wallets change the checkout experience while card rails still process much of the money.
For Germany, offer PayPal (cited by 70% of German online shoppers) and an invoice or BNPL option such as Klarna. For the Netherlands, iDEAL is the local bank-transfer standard and is expected at checkout. Card-only checkout loses a large share of shoppers in both markets.
Run an A/B test on checkout traffic, with revenue per visitor as the main metric so it picks up both conversion and AOV changes. Segment results by device and country, because wallet gains concentrate on mobile and BNPL gains on higher-priced items. Run the test for at least two full weekly cycles.
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