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

Popular options based on coverage and prominence in this market.

PayPal

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

Apple Pay

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

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

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'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).

All payment methods in United States

Discover 22 payment methods from around the world

Showing 22 of 22 payment methods

Featured banks in United States

Major institutions operating in this market.

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

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)

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

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)

Sydney, Australia

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

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.