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Payment methods in United States

North America
22methods
71banks

The average American online shopper spends US$2,926 a year with e-commerce merchants. The entire e-commerce market is worth almost US$1 trillion.

Market takeaways

  • The average American online shopper spends US$2,926 a year with e-commerce merchants. The entire e-commerce market is worth almost US$1 trillion.
  • Between 2020 and 2022, the proportion of e-commerce transactions Americans paid for using cards dropped from 59% to just 50%.
  • Americans complete 47% of their online purchases using a mobile device such as a tablet or smartphone.
  • US online shoppers spend US$130 billion a year with merchants based outside of the country, up from US$106 billion in 2020.
  • By 2027, the American e-commerce market will be worth almost US$1.5 trillion and the average US online shopper with spend US$4,215 a year with e-commerce merchants.

Population

340M

Online population

315.2M

B2C e-commerce

$819B

Banked population

98%

Credit card population

69%

E-commerce of total retail

17%

Payment method breakdown

  • Card50%
  • Cash1%
  • Bank Transfer9%
  • E-Wallet32%
  • Other8%

Card scheme breakdown

  • Visa59%
  • Mastercard26%
  • American Express8%
  • Local schemes4%
  • Other3%

Cross-border e-commerce

Cross-border shoppers

41%

Share of e-commerce

16%

Cross-border value (est.)

$130B

Featured payment methods in United States

All payment methods available in this market, sorted by prominence.

PayPal

PayPal

Global digital wallet and checkout provider with broad e-commerce coverage.

Apple Pay

Apple Pay

Apple digital wallet for secure in-store, in-app, and web payments with tokenization.

Bank Transfer (Internet & Mobile Banking)

Bank Transfer (Internet & Mobile Banking)

Generic online and mobile bank-transfer methods (internet banking, e-banking, EFT and interbank transfers). Customers pay directly from their bank account via their bank's own online/mobile banking portal. Implementation and rails differ by country, but the consumer flow is a standard account-to-account bank transfer.

Google Pay

Google Pay

Google wallet for quick checkout with encrypted credentials in app and web contexts.

Afterpay

Afterpay

Leading Australian BNPL service splitting purchases into four interest-free installments online and in-store. Operator: Afterpay (Block, Inc.). Est. users: 3.5 million active AU users (2024).

Click to Pay

Click to Pay

Click to Pay is the EMVCo industry-standard secure online checkout letting shoppers pay with enrolled Visa, Mastercard, American Express, Discover, JCB and UnionPay cards without re-entering card details. Operator: EMVCo (global card networks). Est. users: hundreds of millions of enrolled cards (2024).

Amazon Pay

Amazon Pay

Lets shoppers use their stored Amazon account credentials and payment methods to check out on third-party sites. Operator: Amazon Japan G.K.. Est. users: Tens of millions of users (2024).

Venmo

Venmo

PayPal-owned US social payments wallet for P2P and online/in-store checkout. Operator: PayPal Holdings Inc.. Est. users: ~107 million users (2025).

Affirm

Affirm

US installment-lending BNPL provider offered at online and in-store checkout. Operator: Affirm Inc.. Est. users: ~25.8 million active consumers (2025).

Paze

Paze

US bank-consortium online checkout wallet that loads consumers' existing bank cards for card-free e-commerce. Operator: Early Warning Services LLC. Est. users: ~150 million enrolled card accounts (2025).

Sezzle

Sezzle

US/Canada interest-free installment BNPL provider at online checkout. Operator: Sezzle Inc.. Est. users: Several million active users (2025).

Cash App

Cash App

Block's US mobile wallet for P2P, Cash Card spending and online checkout (Cash App Pay). Operator: Block Inc.. Est. users: ~54-58 million monthly active users (2025).

Klarna

Klarna

Swedish buy-now-pay-later and pay-now checkout option offering interest-free instalments and deferred payment online. Operator: Klarna Bank AB. Est. users: 93M consumers (2024).

Neteller

Neteller

Neteller is a global digital wallet for online payments and money transfers, popular in iGaming and forex, run alongside Skrill. Operator: Paysafe Limited. Est. users: millions of accounts (2024).

PayPal Pay Later

PayPal Pay Later

PayPal Pay Later (including PayPal Credit) is PayPal buy-now-pay-later, letting shoppers split into installments or defer payment at checkout wherever PayPal is accepted. Operator: PayPal. Est. users: tens of millions (2024).

Skrill

Skrill

Skrill is a global digital wallet widely used for online payments, money transfers, iGaming and forex, accepted at e-commerce checkouts in 100+ countries. Operator: Paysafe Limited. Est. users: tens of millions of accounts (2024).

Splitit

Splitit

Splitit is a card-based installment BNPL that lets shoppers split purchases using the existing limit on their credit card with no new loan or application. Operator: Splitit Payments Ltd. Est. users: deployed across thousands of merchants (2024).

Wise

Wise

Wise (formerly TransferWise) is a multi-currency account and debit card; consumers pay online via the Wise card or balance, and it is offered as a checkout option at some merchants. Operator: Wise plc. Est. users: ~12.8 million active customers (2024).

Zelle

Zelle

US bank-owned instant P2P transfer network embedded in banking apps. Operator: Early Warning Services LLC. Est. users: ~151 million enrolled users (2025).

Samsung Pay

Samsung Pay

Samsung's smartphone wallet supporting tap-to-pay and online payments, widely used in Korea. Operator: Samsung Electronics Co., Ltd.. Est. users: Tens of millions of users (2024).

ACH transfers / e-Checks

ACH transfers / e-Checks

ACH transfers are electronic bank-to-bank transactions (credit or debit) and e-checks processed over the ACH network. They are cheaper than wire transfers and offer a safe, reliable way to pay for large purchases or when customers prefer not to use cards

Pay-by-Bank (A2A)

Pay-by-Bank (A2A)

Pay-by-Bank refers to account-to-account payments that move funds directly from the payer's bank to the merchant's bank. It is considered a secure, cost-efficient alternative to cards and cash, although adoption is still low (about 11% of U.S. adults have used open-banking transactions)

Featured banks in United States

All banks operating in this market, sorted by prominence.

HSBC Hong Kong

HSBC Hong Kong

Hong Kong

HSBC is Hong Kong's largest bank and the note-issuing bank of the territory, offering retail, commercial, private, and investment banking.

HSBC Holdings

HSBC Holdings

London, United Kingdom

HSBC is one of the world's largest banks by assets, headquartered in London with a dominant presence in Asia. It offers retail, commercial, and investment banking in over 60 countries.

Industrial and Commercial Bank of China (ICBC)

Industrial and Commercial Bank of China (ICBC)

Beijing, China

ICBC is the world's largest bank by total assets and the largest of China's 'Big Four' state-owned banks. It offers retail, corporate, and investment banking globally.

JPMorgan Chase

JPMorgan Chase

New York, United States

JPMorgan Chase is the largest US bank and one of the world's largest financial institutions, offering consumer banking, investment banking, commercial banking, and asset management globally.

Commonwealth Bank of Australia (CBA)

Commonwealth Bank of Australia (CBA)

Sydney, Australia

CBA is Australia's largest bank by market capitalisation and retail deposits, offering retail, SME, corporate, and institutional banking.

Bank of America

Bank of America

Charlotte, United States

Bank of America is the second-largest US bank by assets, providing consumer banking, wealth management (Merrill Lynch), and global banking and markets services worldwide.

BNP Paribas

BNP Paribas

Paris, France

BNP Paribas is France's largest bank and a global top-10 financial institution, providing retail, corporate, and investment banking, insurance, and asset management across 65 countries.

UBS Group

UBS Group

Zurich, Switzerland

UBS Group is Switzerland's largest bank and one of the world's premier wealth managers. Following its acquisition of Credit Suisse in 2023, UBS now manages over $5 trillion in invested assets globally.

Royal Bank of Canada (RBC)

Royal Bank of Canada (RBC)

Toronto, Canada

Royal Bank of Canada (RBC) is Canada's largest bank by market cap and assets, providing personal, commercial, corporate, and investment banking in 36 countries.

China Construction Bank (CCB)

China Construction Bank (CCB)

Beijing, China

China Construction Bank is China's second-largest bank, specialising in infrastructure lending, housing finance, and corporate banking. It is one of the four largest banks in the world.

Bank of China (BOC)

Bank of China (BOC)

Beijing, China

Bank of China is China's most internationally active bank, specialising in foreign exchange and cross-border trade finance. It is one of the Big Four state-owned banks.

Citigroup (Citi)

Citigroup (Citi)

New York, United States

Citigroup (Citi) is a global diversified financial services holding company, operating in 160+ countries. It is known for its institutional banking, treasury services, and consumer banking across emerging markets.

Banco Santander

Banco Santander

Santander, Spain

Banco Santander is Spain's largest bank and one of the world's top 10 financial institutions by market cap. It serves 160 million customers in Europe, North America, and Latin America.

MUFG (Mitsubishi UFJ Financial Group)

MUFG (Mitsubishi UFJ Financial Group)

Tokyo, Japan

MUFG is Japan's largest bank and one of the world's largest financial groups, offering retail, corporate, investment, and trust banking globally.

SMFG (Sumitomo Mitsui Financial Group)

SMFG (Sumitomo Mitsui Financial Group)

Tokyo, Japan

SMFG is Japan's second-largest banking group, with operations in retail, corporate, investment, and consumer finance.

BBVA

BBVA

Bilbao, Spain

BBVA is Spain's second-largest bank with a major presence in Mexico, South America, Turkey, and the USA. It is known for its digital banking leadership.

ANZ Banking Group

ANZ Banking Group

Melbourne, Australia

ANZ is Australia's third-largest bank, with a strong institutional banking franchise and significant presence across Asia-Pacific and New Zealand.

Westpac Banking Corporation

Westpac Banking Corporation

Sydney, Australia

Westpac is Australia's oldest bank, offering retail, SME, corporate, and institutional banking with a strong presence in New Zealand.

NAB (National Australia Bank)

NAB (National Australia Bank)

Melbourne, Australia

NAB is Australia's fourth-largest bank, focusing on SME and corporate banking, with retail operations and a strong agribusiness franchise.

Goldman Sachs

Goldman Sachs

New York, United States

Goldman Sachs is a leading global investment bank, providing investment banking, securities, asset management, and consumer banking (Marcus). It is a premier advisory firm for corporations and governments.

Morgan Stanley

Morgan Stanley

New York, United States

Morgan Stanley is a global investment bank and wealth management firm, providing institutional securities, investment management, and wealth management services worldwide.

Emirates NBD

Emirates NBD

Dubai, UAE

Emirates NBD is Dubai's largest bank, offering retail, SME, corporate, and private banking with a strong regional and global presence.

First Abu Dhabi Bank (FAB)

First Abu Dhabi Bank (FAB)

Abu Dhabi, UAE

FAB (First Abu Dhabi Bank) is the UAE's largest bank and one of the largest in the Middle East, formed from the 2017 merger of FGB and NBAD.

Toronto-Dominion Bank (TD)

Toronto-Dominion Bank (TD)

Toronto, Canada

TD Bank Group is Canada's second-largest bank with a major US retail banking franchise and strong domestic operations.

ICICI Bank

ICICI Bank

Mumbai, India

ICICI Bank is India's second-largest private sector bank, offering retail, SME, corporate, and investment banking services.

Itaú Unibanco

Itaú Unibanco

São Paulo, Brazil

Itaú Unibanco is Latin America's largest bank by assets, formed from the 2008 merger of Itaú and Unibanco. It offers retail, SME, corporate, and investment banking.

State Bank of India (SBI)

State Bank of India (SBI)

Mumbai, India

State Bank of India is India's largest bank by assets, deposits, and branches, a state-owned institution offering retail, SME, corporate, and international banking.

China Merchants Bank (CMB)

China Merchants Bank (CMB)

Shenzhen, China

China Merchants Bank is China's top joint-stock bank, known for its retail banking innovation, credit cards, and wealth management.

Wells Fargo

Wells Fargo

San Francisco, United States

Wells Fargo is the third-largest US bank by assets, focused on retail banking, commercial banking, and wealth management with a coast-to-coast US branch network.

Barclays

Barclays

London, United Kingdom

Barclays is a British multinational investment bank and financial services company, operating retail banking in the UK and Ireland, and investment banking globally through Barclays Bank.

DNB Bank

DNB Bank

Oslo, Norway

DNB is Norway's largest financial group and one of the largest in the Nordic region, offering retail, corporate, and investment banking, plus insurance and real estate services.

Mizuho Financial Group

Mizuho Financial Group

Tokyo, Japan

Mizuho is Japan's third-largest banking group, offering corporate, investment, and retail banking, with strong trade finance and capital markets operations.

Bank of Montreal (BMO)

Bank of Montreal (BMO)

Montreal, Canada

Bank of Montreal is Canada's fourth-largest bank with a major US presence following the acquisition of Bank of the West.

Bradesco

Bradesco

Osasco, Brazil

Banco Bradesco is Brazil's second-largest private bank, offering retail, commercial, and investment banking as well as insurance through Bradesco Seguros.

Bangkok Bank

Bangkok Bank

Bangkok, Thailand

Bangkok Bank is Thailand's largest bank by assets, offering retail, SME, and corporate banking with a strong regional network across ASEAN.

Banco do Brasil

Banco do Brasil

Brasília, Brazil

Banco do Brasil is Brazil's largest state-owned bank and one of the largest in the country overall, with a focus on agribusiness, retail, and government banking.

Canadian Imperial Bank of Commerce (CIBC)

Canadian Imperial Bank of Commerce (CIBC)

Toronto, Canada

CIBC is Canada's fifth-largest bank, offering personal, business, and investment banking.

BTG Pactual

BTG Pactual

São Paulo, Brazil

BTG Pactual is Brazil's largest investment bank and a leading asset manager in Latin America, offering investment banking, asset and wealth management, and corporate lending.

KB Kookmin Bank

KB Kookmin Bank

Seoul, South Korea

KB Kookmin Bank is South Korea's largest bank, part of KB Financial Group, offering retail, corporate, and investment banking.

Rabobank

Rabobank

Utrecht, Netherlands

Rabobank is a Dutch cooperative bank and global leader in food and agribusiness financing. It is one of the most financially sound banks in the world.

Shinhan Bank

Shinhan Bank

Seoul, South Korea

Shinhan Bank is part of Shinhan Financial Group, one of South Korea's leading banks with retail, corporate, and investment banking operations across Asia.

Bank of Communications (BoCom)

Bank of Communications (BoCom)

Shanghai, China

Bank of Communications is China's fifth-largest state-owned bank, offering retail, corporate, and investment banking services.

Riyad Bank

Riyad Bank

Riyadh, Saudi Arabia

Riyad Bank is Saudi Arabia's third-largest bank, offering retail, corporate, investment, and Shariah-compliant banking.

ABN AMRO

ABN AMRO

Amsterdam, Netherlands

ABN AMRO is the Netherlands' third-largest bank, focusing on retail, private, and corporate banking primarily in the Netherlands and Northwest Europe.

U.S. Bancorp (US Bank)

U.S. Bancorp (US Bank)

Minneapolis, United States

U.S. Bancorp is the fifth-largest US bank, offering retail, commercial, and corporate banking through its U.S. Bank brand across all 50 states.

Capital One Financial

Capital One Financial

McLean, United States

Capital One Financial is a major US bank known for its credit card business, retail banking, and auto financing. It completed its acquisition of Discover Financial in 2025.

Hana Bank

Hana Bank

Seoul, South Korea

Hana Bank is part of Hana Financial Group, one of South Korea's top banks, known for its international reach and foreign exchange operations.

BNI (Bank Negara Indonesia)

BNI (Bank Negara Indonesia)

Jakarta, Indonesia

BNI is Indonesia's third-largest state-owned bank, offering retail, commercial, and international banking services.

BDO Unibank Philippines

BDO Unibank Philippines

Manila, Philippines

BDO Unibank is the Philippines' largest bank by total assets, offering retail, corporate, and investment banking.

Bank of the Philippine Islands (BPI)

Bank of the Philippine Islands (BPI)

Manila, Philippines

BPI (Bank of the Philippine Islands) is the oldest bank in Southeast Asia, offering retail, commercial, and investment banking.

Deutsche Bank

Deutsche Bank

Frankfurt, Germany

Deutsche Bank is Germany's largest bank and a leading global investment bank, offering corporate finance, capital markets, transaction banking, and wealth management.

Bank Hapoalim Israel

Bank Hapoalim Israel

Tel Aviv, Israel

Bank Hapoalim is Israel's largest bank by assets and deposits, offering retail, SME, corporate, and investment banking.

Banco Sabadell

Banco Sabadell

Sabadell, Spain

Banco Sabadell is Spain's fourth-largest bank, focused on SME and corporate banking, and owner of TSB Bank in the UK.

PNC Financial Services

PNC Financial Services

Pittsburgh, United States

PNC Financial Services is one of the largest US diversified financial services companies, offering retail, commercial, corporate, and institutional banking across the US.

Vietcombank

Vietcombank

Hanoi, Vietnam

Vietcombank (Bank for Foreign Trade of Vietnam) is Vietnam's largest bank by market capitalisation and a leading state-owned commercial bank.

Metrobank Philippines

Metrobank Philippines

Manila, Philippines

Metrobank (Metropolitan Bank and Trust) is the Philippines' second-largest bank, offering retail, commercial, and investment banking.

CTBC Bank

CTBC Bank

Taipei, Taiwan

CTBC Bank is Taiwan's largest private bank, known for retail, SME, and corporate banking with a growing pan-Asian footprint.

National Bank of Canada

National Bank of Canada

Montreal, Canada

National Bank of Canada is Canada's sixth-largest bank with a strong presence in Quebec.

National Bank of Kuwait (NBK)

National Bank of Kuwait (NBK)

Kuwait City, Kuwait

NBK is Kuwait's largest bank and a major financial institution in the Middle East, offering retail, corporate, investment, and private banking.

Truist Financial

Truist Financial

Charlotte, United States

Truist Financial is a top-10 US commercial bank formed from the 2019 merger of BB&T and SunTrust Banks, offering retail, commercial, and investment banking in the Southeast and Mid-Atlantic.

VietinBank

VietinBank

Hanoi, Vietnam

VietinBank (Vietnam Joint Stock Commercial Bank for Industry and Trade) is Vietnam's second-largest state-owned bank by assets.

Bank of Taiwan

Bank of Taiwan

Taipei, Taiwan

Bank of Taiwan is Taiwan's largest state-owned bank, acting as the government's fiscal agent and offering retail and corporate banking.

Natixis

Natixis

Paris, France

Natixis is the corporate, investment, insurance, and financial services arm of Groupe BPCE. It provides capital markets, investment banking, and asset management globally.

Arab Bank Jordan

Arab Bank Jordan

Amman, Jordan

Arab Bank is Jordan's largest bank and one of the oldest private sector banks in the Arab world, with operations in 30+ countries.

Access Bank Nigeria

Access Bank Nigeria

Lagos, Nigeria

Access Bank is Nigeria's largest bank by customer base, following its merger with Diamond Bank, offering retail, SME, and corporate banking across Africa.

Habib Bank Limited (HBL)

Habib Bank Limited (HBL)

Karachi, Pakistan

HBL is Pakistan's largest bank by assets, offering retail, SME, corporate, and international banking in 25+ countries.

National Bank of Pakistan (NBP)

National Bank of Pakistan (NBP)

Karachi, Pakistan

NBP is Pakistan's state-owned bank and the country's second-largest bank, offering retail, corporate, and government banking.

Banco Pichincha

Banco Pichincha

Quito, Ecuador

Banco Pichincha is Ecuador's largest private bank, offering retail, SME, and corporate banking with extensive operations in the US, Spain, and other Latin American markets.

Andbank

Andbank

Andorra la Vella, Andorra

Andbank is one of Andorra's largest private banks, offering wealth management and private banking internationally.

Other Banks — United States

Other Banks — United States

Washington D.C., United States

Aggregate of all remaining banks in United States, collectively ~32.4% of domestic banking assets.

Mercantil Banco Universal

Mercantil Banco Universal

Caracas, Venezuela

Mercantil Banco Universal is Venezuela's largest private bank, offering retail and corporate banking with operations in the US.

Explore other countries

Discover payment methods in other countries from North America

Sources