Latest Mobile Payment Statistics For 2026

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Phones have become the main way people pay. India now runs more than 800 million UPI payments a day, Brazil reaches 86% of its adults through Pix, Japan crossed 58% cashless spending in a single year, and in Germany cards and phones overtook cash for the first time since records began. Mobile payments have moved from a nice extra to the default checkout in most large economies.

I put this page together because most mobile payment statistics online are recycled figures from 2021 and 2022. Every number here comes from data released in 2025 and 2026: central bank reports, payment network results, earnings filings, regulator data and large consumer surveys. Where two datasets disagree, I picked the most recent official figure.

You get more than 300 mobile payment stats grouped by theme: the global market, startups and fintech funding, eight countries (USA, UK, India, China, Brazil, Indonesia, Germany and Japan), wallets and apps, contactless and QR codes, mobile money, fraud, generations, checkout, BNPL and the new wave of AI agent and stablecoin payments.

I also ran my own calculations on the raw data, such as average ticket sizes for UPI, Pix and QRIS and transactions per second for the biggest networks. Those numbers appear in the Editor Picks and in a separate section, so you get figures you will find on this page first.

Contents

Mobile Payment & Digital Wallet Statistics TL;DR
Editor Picks: Mobile Payment Statistics I Calculated
Global Mobile Payment Statistics
Mobile Payment Statistics for Startups
Mobile Payment Statistics by Country
Contactless and QR Code Mobile Payment Statistics
Mobile Money and Cross Border Mobile Payment Statistics
Mobile Payment Security and Fraud Statistics
Mobile Payment Statistics by Generation
Mobile Commerce and Mobile Payment Checkout Statistics
Buy Now Pay Later Mobile Payment Statistics
AI Agent and Stablecoin Mobile Payment Statistics
What These Mobile Payment Statistics Mean
Mobile Payment Statistics FAQs

Mobile Payment & Digital Wallet Statistics TL;DR

Digital wallets handled 56% of global ecommerce value and 33% of point of sale value in 2025, more than $13.8 trillion in combined spend.
The world has about 4.4 billion digital wallet users in 2025, with more than 6 billion expected by 2030.
India processed 24.07 billion UPI payments worth Rs 29.37 lakh crore in September 2026, an average of 802 million a day.
Brazil ran almost 80 billion Pix payments worth more than R$35 trillion in 2025.
Contactless covers 79% of Visa face to face transactions worldwide and 80% of Mastercard in person purchases.
US consumers used a phone for 15% of in person payments in 2025, up from 5.6% in 2021.
Mobile money accounts reached 2.3 billion in 2025 and moved $2.1 trillion.
Global fintech VC funding reached $51.8 billion in 2025, while Q3 2026 deal count fell to the lowest level since 2018.
US consumers lost a record $15.9 billion to fraud in 2025, and UK APP fraud rose 19% to £576.4 million.
Agentic commerce is forecast to reach $1.5 trillion in spend by 2030.

Global Mobile Payment Statistics

Mobile Payment Market Size Statistics

The mobile payment market is valued at $7.28 trillion in 2024 and is forecast to reach $16.14 trillion by 2034, an 8.1% CAGR (transaction value basis).
A second estimate puts the mobile payment market at $3.10 trillion in 2025, rising to $11.45 trillion by 2034 at a 15.14% CAGR.
On a revenue basis, the mobile payments industry is worth about $158 billion in 2026 and is forecast to reach $587.5 billion by 2030, a 38% CAGR.
Asia Pacific holds 35.4% of the mobile payments industry, and NFC is the fastest growing segment at a 39.6% CAGR.
The super app market is worth $137.2 billion in 2026 and is forecast to reach $595.8 billion by 2034.
Asia Pacific holds more than 46.8% of the super app market.
The wearable payment device market is worth about $43 billion to $44 billion in 2025 and is forecast to pass $168 billion by 2035.
Global payments revenue reached $2.5 trillion in 2024 and is forecast to hit $3.0 trillion by 2029.
The world processes about 3.5 trillion payment transactions a year, worth about $2.0 quadrillion.
Cash fell to 46% of global transactions, down from 50%.
Instant payments and digital wallets grew from 13% of the global payment mix in 2020 to 25% in 2024.
Global non cash volume passed 1.6 trillion transactions in 2024 and is forecast to exceed 3.5 trillion by 2029.

Digital Wallet Share of Global Spend

Digital wallets made up 56% of global ecommerce value in 2025.
Digital wallets made up 33% of global point of sale value in 2025.
Combined wallet spend online and in stores passed $13.8 trillion in 2025.
Payment app transaction value reached $10.6 trillion in 2025, up from $9.3 trillion in 2024.
Payment app value is forecast to reach $15.6 trillion by 2030.
Payment apps are forecast to take 46% of global point of sale value by 2030.
Smartphones generated 57% of global ecommerce spend in 2024, up from 19% in 2014.
Mobile devices are forecast to handle 53% of in person shopping value by 2030.
Global ecommerce spend reached $6.8 trillion in 2024 and is forecast to pass $10 trillion by 2030.
Global ecommerce payment mix in 2025: credit cards 20%, debit cards 10%, account to account 7%, BNPL 4%.
Global in store payment mix in 2025: credit cards 24%, debit cards 22%, cash 14%.
Wallets reach 89% of ecommerce value and 87% of point of sale value in China.
Wallets reach 68% of online value and 61% of in store value in India.
Pix takes 42% of ecommerce value and 34% of point of sale value in Brazil.

Mobile Wallet User Statistics

About 4.4 billion people used a digital wallet in 2025.
Digital wallet users are forecast to pass 6 billion by 2030, up 35%.
Alipay+ connects more than 1.8 billion user accounts.
Alipay+ links 11 national QR networks and reaches more than 100 markets.
Ant International serves more than 150 million merchants and powered more than 2 billion cross border transactions in its core emerging markets in 2025.
Weixin and WeChat reached 1.439 billion combined monthly users on June 30, 2026.
Tencent FinTech and Business Services revenue reached RMB 60.3 billion in Q2 2026, up 9%.
Samsung Wallet runs in 61 countries.
Samsung Wallet had 18.66 million South Korean users in 2025 and has processed about 430 trillion won (about $310 billion) in total.

Mobile Payment Statistics for Startups

If you run or fund a startup in payments, or you simply need to accept mobile payments, these are the 2025 and 2026 numbers that matter. Our guide to SEO in fintech covers how payment startups win organic traffic once the product is live.

Fintech and Payment Startup Funding

Global fintech VC funding reached $51.8 billion in 2025, up 27% from $40.8 billion in 2024.
Fintech deal count fell 23% to 3,457 deals in 2025.
Fintech funding peaked at $141.6 billion in 2021, almost 2.7 times the 2025 level.
Another count puts 2025 fintech funding at $52.7 billion, the highest since 2022, with $16.4 billion in Q4 alone.
In Q4 2025, 29 mega rounds made up a record 63% of fintech funding.
Total fintech investment, counting VC, PE and M&A, reached $116 billion in 2025 across 4,719 deals.
Payments investment reached $19.2 billion across 542 deals in 2025, a nine year low by deal count.
Fintech exits reached $104.4 billion across 486 exits in 2025.
Total fintech investment reached $103.1 billion in H1 2026 across 2,100 deals.
Payments investment reached $44.2 billion in H1 2026, lifted by large acquisitions.
The top 10 deals made up 62% ($64 billion) of H1 2026 fintech investment.
US fintech investment reached $80.8 billion in H1 2026.
AI fintech investment reached $21.4 billion across 800 deals in H1 2026, close to the $23.6 billion for all of 2025.
Q2 2026 fintech funding fell 20% to $11.7 billion across 726 deals.
Q3 2026 fintech funding reached $10.6 billion, down 28.4% on the quarter and 21.4% on the year.
Q3 2026 fintech deal count fell to 687, the lowest since Q1 2018.
Angel and seed fintech funding fell 35.2% to $1.12 billion in Q3 2026.
Early stage fintech funding reached $4.23 billion in Q3 2026.
The US took 50.5% ($5.38 billion) of Q3 2026 fintech funding.
European fintech funding reached $9.2 billion in H1 2026, up 5%, with an average deal of $23.8 million.
European fintech funding is projected at $18.4 billion for 2026, up 18%.
Indian payment startups have raised about $5.8 billion across 371 equity rounds since January 2021.

Stablecoin and Crypto Payment Startups

Stablecoin startups raised $621.8 million in 2025 up to September, about 7 times the $84 million raised in all of 2024.
Crypto payment startups raised $685 million across 30 rounds in Q3 2026, the most rounds of any crypto category.
Stablecoin card issuer Rain raised a $250 million Series C at a $1.95 billion valuation after payment volume grew 38 times in 2025.
Stripe stablecoin payment volume doubled to about $400 billion in 2025, about 60% of it B2B.
Stripe blockchain Tempo raised a $500 million Series A in October 2025.
Mastercard agreed to buy stablecoin infrastructure company BVNK for up to $1.8 billion in 2026.

Top Payment Startup Rounds, Unicorns and Deals

Stripe processed $1.9 trillion in total volume in 2025, up 34% and equal to about 1.6% of global GDP.
A Stripe tender offer valued the company at $159 billion.
Ant International raised a $1.2 billion Series A at an $11.2 billion valuation in Q3 2026.
Airwallex raised $320 million at an $11 billion valuation, with annualized revenue of $1.3 billion in March 2026, up 74%.
Airwallex serves more than 676,000 businesses.
Ramp raised $500 million at $22.5 billion and later $300 million at $32 billion in 2025.
Rapyd raised $500 million in 2025.
Tabby raised a $233 million Series F at a $6.5 billion valuation in Q3 2026.
Payments companies Barq ($1.85 billion) and Félix ($1.4 billion) became unicorns in September 2026.
The world has 1,839 private unicorns, with 195 new ones minted in H1 2026.
A public fintech index market cap rose 142.3% to $947 billion at the end of 2025.
16 fintechs went public in 2025, 11 of them VC backed.
Global Payments closed its $24.3 billion Worldpay deal on January 12, 2026.
The combined Global Payments and Worldpay handles $3.7 trillion and about 94 billion transactions a year across more than 6 million merchant locations.
FIS bought TSYS for $13.5 billion.
A Stripe and Advent consortium offered more than $53 billion for PayPal in July 2026 and dropped the pursuit in August.
Adyen closed its Talon.One (€750 million) and Orb ($335 million) acquisitions on July 1, 2026.

Payment Platforms Startups Use

Stripe 2025 startup cohort grew about 50% faster than the 2024 cohort.
Twice as many Stripe startups reached $10 million ARR within three months in 2025.
20% of Stripe Atlas startups charged their first customer within 30 days in 2025, up from 8% in 2020.
25% of new Delaware corporations were formed through Stripe Atlas.
57% of new Stripe businesses in 2025 were based outside the US.
Adyen processed €803.8 billion in H1 2026, up 24%.
Square gross payment volume reached $72.8 billion in Q2 2026, up 13%, with international GPV up 28%.
Toast served about 180,000 locations in Q2 2026, up 22%, with $60.7 billion in GPV.
Shopify GMV reached $115.6 billion in Q2 2026, up 32%.
Shopify Payments processed 68% of Shopify GMV in Q2 2026, up from 64%.
Revolut reached 68.3 million retail customers and $1.7 trillion in transaction volume in 2025.
Revolut earned $6.0 billion in revenue and $2.3 billion in profit before tax in 2025.
Nubank reached 139 million customers in Q2 2026.
Chime reached 10.4 million active members in Q2 2026, up 20%.
Standard online card pricing on Stripe starts at 2.9% plus a fixed fee.

Checkout Stats Every Startup Needs

The average cart abandonment rate is 70.22%.
19% of shoppers who abandon a cart felt unsafe sharing card details with the site.
9% abandon because of too few payment methods, and 10% because a card was declined.
Better checkout design lifts conversion by 35.26% on average.
PayPal Fastlane lifts guest checkout conversion by more than 50%.
Offering PayPal at checkout lifts conversion by 33%.
28% of Gen Z shoppers abandoned an online cart in the past month because their wallet was missing at checkout, against 13.7% of all shoppers.

Small Business Payment Stats

29% of small businesses that applied for financing went to online or fintech lenders in 2025, up from 17% in 2020.
60% of online lender borrowers said costs were higher than expected, against 37% at small banks.
Zelle small business payments reached $357 billion in 2025, up 26%, across 7.7 million enrolled small businesses.
40% of small and mid sized merchants are considering a switch from banks to paytechs.

Mobile Payment Statistics by Country

USA Mobile Payment Statistics

85.8% of US consumers used mobile banking or payment apps in 2025, up from 78.3% in 2021.
21.3% of US consumers made mobile point of sale payments in 2025, up from 8.9% in 2021.
Phones handled 15% of US point of sale payments in 2025, up from 5.6% in 2021.
About 70% of US mobile point of sale payments are tap to pay and 5.2% are scan to pay.
Cards fund 88% of US mobile point of sale payments.
25.7% of US consumers used Apple Pay in 2025, up from 13.2% in 2021.
10.9% of US consumers used Google Pay in 2025, up from 7.2% in 2021.
US proximity mobile payment users reach 125.0 million in 2026, forecast to hit 147.6 million by 2030.
US proximity mobile payment value is forecast to pass $1.5 trillion by 2030.
US mobile wallet users are forecast to pass 200 million by 2028.
Digital wallets took 40% of US online spend and 17% of US in store spend in 2025.
US wallet spend is forecast to reach $4.1 trillion by 2030, up 64%.
US wallets are forecast to reach 44% of ecommerce and 26% of point of sale by 2030.
31% of US consumers used a mobile wallet in a store in the past week, up from 14% in August 2024.
Apple Pay in store volume rose from $268 billion to an estimated $450 billion.
Apple Pay handles about 10% of eligible US in person purchases, and 85% of US merchants accept it.
Weekly in store use: Apple Pay 16%, PayPal 12.8%, Cash App 10%, Google Pay 8.9%.
8.2% of US shoppers used a mobile wallet for their latest in store purchase in 2026, up from 4.3% in 2023.
Cash made up 14% of US payments in 2025, or 1 in 7.
Americans made 47 payments a month on average: 16 by credit card, 15 by debit card and 6 in cash.
Americans averaged 11 mobile payments a month in 2024, up from 4 in 2018.
Purchases paid from money stored in mobile payment apps averaged $98 in 2025.
The US made 236.6 billion noncash payments worth $140.01 trillion in 2024.
Credit card payments grew faster than debit for the first time in almost a decade in 2024.
Zelle moved more than $1.2 trillion in 2025, up 20%, across 4.2 billion transactions.
Zelle averaged $3.4 billion a day in 2025 and had 100 million active accounts in December 2025.
Venmo earned about $1.7 billion in revenue in 2025 with 67 million monthly active accounts in Q4.
PayPal total payment volume reached $1.79 trillion in FY2025, up 7%, across 25.4 billion transactions.
PayPal had 439 million active accounts and $486.4 billion in TPV in Q2 2026.
Cash App had 59 million monthly transacting actives in June 2026, with $1,469 in inflows per active.
Cash App Pay passed 8 million actives in Q4 2025, up 55%.
FedNow settled 6.38 million payments worth $370.86 billion in Q3 2026, up 27.6% on the quarter.
More than 1,800 US banks and credit unions are enrolled in FedNow.
The RTP network handled 128 million transactions worth $480 billion in Q1 2026.
Nearly 70% of Visa face to face transactions in the US are tap to pay.
US card purchase volume reached $12.5 trillion in 2025, up 5%.

UK Mobile Payment Statistics

The UK made 49.7 billion payments in 2025, forecast to reach 54.7 billion by 2035.
Contactless made up 19.2 billion UK payments in 2025, 39% of the total, up from 3% in 2015.
Contactless is forecast to reach 26 billion payments (41%) by 2035.
37.6 million UK adults (65%) are registered for a mobile wallet, up from 57% in 2024.
58% of UK adults use mobile payments at least monthly.
Mobile wallet registration reaches 89% of 25 to 34 year olds, 87% of 16 to 24 year olds and 29% of over 65s.
About 9 in 10 UK wallet users set a debit card as their default.
Cash fell to 3.9 billion UK payments in 2025, 8% of the total, down from 45% in 2015.
Cash is forecast to fall to 2.1 billion payments (about 4%) by 2035.
Debit cards made 26.6 billion UK payments in 2025, 54% of the total.
Faster Payments handled about 5.55 billion payments worth £4.84 trillion in 2025.
Faster Payments volume grew 13% in March 2026 to 521.3 million payments.
75% of UK adults use mobile banking.
UK open banking passed 1 billion total payments and 100 billion API calls.
UK open banking made 40.16 million payments in June 2026, up 45% on the year.
Digital wallets took 40% of UK online spend in 2025, forecast to reach 50% by 2030.
UK digital wallet spend reached £269 billion in 2025 and is forecast to hit £453 billion by 2030.
Cash made up 9% of UK point of sale value in 2025.
Contactless reached 94.6% of eligible UK in store card transactions in 2024.
UK adults used contactless 236 times each in 2024, with an average payment of £16.10.
42% of UK Gen Z prefer mobile wallets for payments over £100.
12.9 million UK adults (22%) used BNPL in 2025.

India Mobile Payment Statistics

UPI processed 24.07 billion payments worth Rs 29.37 lakh crore in September 2026, up 23% by volume on the year.
UPI averaged 802 million payments a day in September 2026, the first month above 800 million.
UPI value averaged a record Rs 97,913 crore a day in September 2026.
UPI hit a record 24.51 billion payments worth Rs 29.82 lakh crore in August 2026.
UPI handled about 241.6 billion payments worth Rs 314.23 lakh crore in FY2025-26.
UPI volume grew 188% a year from FY17 to FY26, almost 13,000 fold.
UPI makes up 84% of all digital payments in India.
Person to merchant payments are 63% of UPI volume and 29% of value.
86% of UPI merchant payments are under Rs 500.
Person to person payments are 37% of UPI volume and 71% of value.
703 banks are live on UPI, up from 44 in FY2016-17.
About 554.9 million users are onboarded on UPI as of June 2026.
PhonePe held 45.64% of UPI volume in August 2026, Google Pay 32.26% and Paytm 8.03%.
The top three UPI apps hold 85.93% of volume.
A 0.4% merchant fee capped at Rs 300 applies to UPI merchant payments above Rs 2,000 from October 15, 2026.
Payments up to Rs 2,000 make up more than 96% of UPI merchant volume.
Maharashtra leads UPI usage with 9.84% of volume.
UPI holds about 49% of global real time payment volume.
India deployed 56.86 crore QR codes reaching about 6.5 crore merchants in FY2024-25.
UPI is live in 12 countries, including the UAE, France, Singapore and Qatar.
The RBI Digital Payments Index reached 516.76 in September 2025.
Biometric UPI payments, including RuPay credit card on UPI, passed 611 million in June 2026.
IMPS handled 354 million payments worth Rs 7.06 lakh crore in September 2026.

China Mobile Payment Statistics

Chinese banks processed 60.6 billion mobile payments worth RMB 137.5 trillion in Q3 2025.
Non bank online payments reached 1.33 trillion transactions worth RMB 337.8 trillion in 2025.
NetsUnion cleared 1.19 trillion transactions worth RMB 598.2 trillion in 2025, about 3.27 billion a day.
Bank electronic payments reached 319.7 billion transactions worth RMB 3,623 trillion in 2025.
Alipay holds about 54% of Chinese mobile payments and WeChat Pay about 42%.
e-CNY passed 3.32 billion total transactions worth RMB 14.2 trillion by September 2025.
China has 225 million personal e-CNY wallets.
Inbound tourists spent RMB 80 billion (about $11 billion) through mobile payments in 2025.
More than 10 million inbound travelers used Alipay in 2025.
Foreign e-wallet transactions in China rose 160% in 2025.
Overseas e-wallet transactions in China rose 81.8% by count from January to August 2026.
Weixin Pay supports 36 overseas wallets with guidance in 16 languages.

Brazil Mobile Payment Statistics

Pix processed almost 80 billion payments worth more than R$35 trillion in 2025.
Pix volume grew 25.7% and value 33.8% in 2025.
148.3 million Brazilians (about 86% of adults) used Pix in December 2025.
12.8 million companies (51.4% of active firms) used Pix in 2025.
Brazil has 920 million registered Pix keys.
Pix moved R$3.7 trillion in December 2025 alone.
Person to business payments made up 43% of Pix in 2025.
Pix set a daily record of 313.3 million payments on December 5, 2025.
Pix set a value record of R$193.5 billion on December 19, 2025.
Pix Automático launched on June 16, 2025, and reached almost 600,000 payments in December 2025.
Pix made up 54.7% of Brazilian payment transactions in H2 2025, against 30.4% for cards.
Brazil ran 36.3 billion Pix payments from January to May 2026, about 3,000 per second.
Mobile banking handles about 75% of all Brazilian banking transactions.

Indonesia Mobile Payment Statistics

QRIS processed 15.51 billion transactions worth Rp1,420.66 trillion in 2025, up 148.5% by volume.
QRIS processed 1.83 billion transactions in January 2026, up 131.5%.
QRIS passed 15 billion transactions by July 2026.
QRIS has about 67 million users and about 45 million merchants in 2026.
96.7% of QRIS merchants are micro, small or medium businesses.
Bank Indonesia targets about 17 billion QRIS transactions in 2026.
QRIS works across borders in Singapore, Malaysia, Thailand, Japan, South Korea and China.
QRIS went live in Japan on August 17, 2025.
Foreign tourists spent Rp2.28 trillion through QRIS in Indonesia.
QRIS Tap merchants grew from 2,353 to 648,034 within three months of launch.
DANA is used by 72% of Indonesian e-wallet users, GoPay 60%, ShopeePay 46% and OVO 27%.

Germany Mobile Payment Statistics

Non cash methods made 55% of German transactions in 2025, ahead of cash for the first time.
Cash fell to 45% of German transactions in 2025, down from 83% in 2008.
Smartphones and smartwatches handled 10% of German transactions in 2025, up 4 points.
Mobile made up 19.3% of cashless checkout payments in German retail in 2025, up from 12.8%.
Girocard holds 40.5% of German retail turnover.
Cash holds 32.3% of German retail turnover.
More than 87% of girocard payments are contactless.
80% of Germans say keeping cash available matters.
Wero has 57 million registered users in Europe, 9 million of them in Germany.
About 7% of Germans actively use Wero.
Apple Pay made up 1.3% of German online retail revenue in 2025.

Japan Mobile Payment Statistics

Japan reached a 58.0% cashless payment ratio in 2025, worth ¥162.7 trillion.
The cashless ratio was 42.8% in 2024.
QR code payments made up 10.2% (¥16.6 trillion) of Japanese cashless value in 2025.
Credit cards made up 82.7% of Japanese cashless value in 2025.
E-money made up 3.7% and debit 3.4% of cashless value.
Japan set a new target of 65% cashless by 2030 and 80% long term.
PayPay has more than 75 million registered users.
PayPay processed 8.88 billion payments in 2025, up 19%.
PayPay handles about 98% of QR code P2P transfers in Japan.
PayPay GMV reached about ¥5 trillion in the quarter ending March 2026, up 23%.
PayPay has 41 million monthly transacting users.

Contactless and QR Code Mobile Payment Statistics

Tap to pay reached 79% of Visa face to face transactions globally in September 2025.
Visa processed 329 billion transactions in FY2025.
More than 50% of Visa ecommerce transactions are tokenized, rising close to 60% in 2026.
Visa Tap to Phone volume passed $33 billion.
Contactless made up 80% of Mastercard in person switched purchases in Q2 2026.
Tokens were used in more than 40% of Mastercard switched transactions.
Global contactless value is forecast to grow from $7.7 trillion in 2025 to $18.1 trillion in 2030.
NFC ticketing transactions are forecast to grow from 11.2 billion in 2025 to 44.8 billion in 2030.
Global QR code payment value is $5.4 trillion in 2025, forecast to pass $8 trillion by 2029.
Tap to Pay on iPhone added 8 more countries in September 2026, including Argentina, Colombia and Peru.
Contactless made up 58% of Canadian transaction volume in 2024.
Canadians made 43 million wearable payments worth $1.2 billion in 2024.
Visa stablecoin settlement passed a $2.5 billion annualized run rate.

Mobile Money and Cross Border Mobile Payment Statistics

Mobile money reached 2.3 billion registered accounts in 2025, up 13%.
593 million mobile money accounts were active in a 30 day window, up 15%.
Mobile money moved $2.1 trillion in 2025, up 23%.
Mobile money processed 125 billion transactions in 2025 with an average of $16.90.
Sub Saharan Africa holds 52% of mobile money accounts and 66% of value ($1.4 trillion).
South Asia has 473 million mobile money accounts and $304 billion in value.
East Asia and Pacific has 455 million accounts and $277 billion in value.
International remittances via mobile money reached $45 billion, up 23%.
Mobile money merchant payments reached $155 billion, up 42%.
Mobile money runs 347 services in 102 countries with 11 million active agents.
Sending $200 abroad costs 6.36% on average globally.
Sending $200 through mobile money costs 3.63%, against 14.55% through banks.
Digital remittances cost 4.85% against 7.16% for cash based ones.

Mobile Payment Security and Fraud Statistics

Fraud follows volume. For the bot side of the problem, see our bot traffic statistics.

US consumers reported a record $15.9 billion in fraud losses in 2025, up from more than $12 billion in 2024.
The FTC received about 3 million fraud reports in 2025.
Imposter scams cost US consumers more than $3.5 billion in 2025.
Investment scams cost US consumers $7.9 billion in 2025.
Social media was the costliest scam contact method, with more than $2 billion lost.
Cards and payment apps together accounted for $736.9 million of US reported fraud losses in 2025.
Bank transfers and crypto accounted for more than $4 billion.
Payment apps became the leading payment type in US fraud complaints in Q3 2025.
Americans aged 60 and over lost more than $3 billion to fraud in 2025, up from $2.4 billion.
Older adults lost $110 million through payment apps in 2025.
FBI complaints showed more than $20.9 billion in losses in 2025, up 26%.
AI related scams cost $893 million in 2025.
UK payment fraud losses reached £1.28 billion in 2025, up 4%.
UK APP fraud losses rose 19% to £576.4 million.
Two thirds of UK APP fraud starts online.
UK banks reimbursed £354.3 million, or 61% of APP losses.
UK banks prevented £1.68 billion of unauthorized fraud.
Global card fraud losses reached $33.41 billion in 2024, or 6.43 cents per $100.
The US holds 26.31% of global card volume and 41.87% of card fraud losses.
Every $1 of fraud costs US financial services firms $5.75.
Mobile accounts for more than a third of fraud losses at financial institutions.
70% of US organizations saw mobile fraud rise at least 10% in a year.
0.02% of Zelle transactions lead to a fraud or scam report.
43% of Gen Z and 28% of millennials say they have been scammed.
Token fraud rates are 34% lower than fraud on card numbers.
Stripe fraud tools cut fraud by 32% on average.
5 billion passkeys are in active use.
75% of consumers have enabled passkeys on at least some accounts.
47% of people abandon a purchase when they forget a password.
86% of Americans say cards and apps raise identity theft risk, while 68% say phones and cards protect more because they get disabled quickly.

Mobile Payment Statistics by Generation

18 to 24 year olds in the US used a phone for 45% of their payments.
Cash is 6% of payments for Americans under 25 and 19% for those 55 and over.
Nearly half of US millennials used a mobile wallet in a store in the past week, up 112%.
7.9% of US baby boomers used a mobile wallet in store in the past week, up 147%.
36% of US Gen Z used a digital wallet for their latest retail purchase, up from 15% in March 2024.
47% of Gen Z and 44% of millennials used a digital wallet online in the past month.
Wallets are the top online payment method for 39% of US 18 to 24 year olds and 41% of 25 to 34 year olds.
9% of Americans 65 and over pick wallets as their top online method.
9.6% of US boomers and older adults made a mobile point of sale payment in 2025.
Gen Z in store mobile wallet use is up 23% since 2022.
66% of UK 18 to 24 year olds pick wallets as their top online method, against 23% of over 65s.
84.1% of UK over 65s use contactless.
50% of under 35s trust AI to make a purchase, against 15% of over 55s.

Mobile Commerce and Mobile Payment Checkout Statistics

Mobile made up 56.4% of US online holiday transactions in 2025, up from 54.5%.
Mobile reached 66.5% of online spend on Christmas Day 2025.
US shoppers spent $257.8 billion online in the 2025 holiday season, up 6.8%.
Mobile drove 57.5% of Cyber Monday 2025 online sales, or $8.2 billion.
Cyber Monday 2025 reached $14.25 billion and Black Friday $11.8 billion.
Mobile made up 72% of global Cyber Weekend 2025 orders and 81% of traffic.
About 87 million US shoppers used a wallet online in the past 30 days.
About 77 million US shoppers used a wallet in store in the past 30 days.
Mobile cart abandonment runs close to 80%, against 65% to 67% on desktop.
Mobile drives about 73% to 75% of ecommerce traffic.
Unexpected costs cause 39% of cart abandonment and forced account creation 19%.

Buy Now Pay Later Mobile Payment Statistics

16% of US adults used BNPL in 2025.
31% of US adults with under $100 in savings used BNPL.
26% of US BNPL users paid late.
US holiday BNPL spend reached $20 billion in 2025, up 9.8%.
Smartphones drove 82.2% of US holiday BNPL purchases.
Global BNPL ecommerce value is forecast to reach $580 billion by 2030.
BNPL makes up 18% of ecommerce in Germany and 8% in the UK.
35% of UK 25 to 34 year olds used BNPL in 2025.

AI Agent and Stablecoin Mobile Payment Statistics

AI shopping agents are the next checkout shift. Our AI SEO statistics show how AI is already changing discovery before the payment step.

Agentic commerce is forecast to reach $1.5 trillion in spend by 2030.
About 300 million people use agentic commerce in 2026, forecast to reach 1.3 billion by 2031.
Consumers expect AI agents to make 15% of their purchases within five years, up from 9% a year earlier.
33% of consumers want to approve every AI agent transaction.
40% of consumers would let AI shop for them.
23% of US adults trust generative AI to make payments for them.
47% of US shoppers use AI for at least one shopping task.
Visa Intelligent Commerce has more than 100 partners and more than 20 agent integrations.
Mastercard Agent Pay rolled out to all US cardholders by the 2025 holiday season.
57% of UK shoppers have payment concerns about AI agents, and 27% have let an agent buy on their own.
GenAI traffic to US retail sites rose 693.4% in the 2025 holiday season.
Stablecoin transaction volume reached $33 trillion in 2025, up 72%.
Real stablecoin payments ran at about $390 billion a year by December 2025, about 0.02% of global payments.
B2B stablecoin payments grew more than 730% in 2025.
Stablecoin linked card spend reached $4.5 billion, up 673%.

What These Mobile Payment Statistics Mean

Three patterns run through the data. First, public rails win at scale: UPI, Pix and QRIS run on low fees and QR codes, and each one grew faster than any private wallet in 2025. Second, cards are moving into phones: in the US and UK, wallets mostly carry a debit or credit card, so tap to pay grows while card networks keep the economics. Third, fraud is shifting toward the payments people approve themselves, which pushes passkeys, tokens and scam warnings into every mobile checkout.

For merchants and startups, the takeaway is practical. Offer the local wallet or QR rail of every market you sell in, add Apple Pay, Google Pay and PayPal at checkout, and prepare your product data for AI shopping agents.

Mobile Payment Statistics FAQs

How Many People Use Mobile Payments in 2026?

About 4.4 billion people used a digital wallet in 2025, and that figure is forecast to pass 6 billion by 2030. Mobile money adds 2.3 billion registered accounts, mostly in Africa and South Asia.

Which Country Leads Mobile Payments?

India leads by volume with about 24 billion UPI payments a month in 2026. China leads by wallet share, with Alipay and WeChat Pay taking 89% of ecommerce value and 87% of point of sale value.

What Share of Payments Are Mobile in the USA?

Phones handled 15% of US point of sale payments in 2025, and digital wallets took 40% of US online spend.

How Big Is the Mobile Payment Market?

Transaction based estimates put the mobile payment market at $3.1 trillion to $7.3 trillion, growing to more than $11 trillion by 2034.

Is Mobile Payment Safe?

Tokenized payments show 34% lower fraud rates than card number payments, and only 0.02% of Zelle transactions lead to a fraud report. Most losses come from scams where people send money themselves.

What Is the Fastest Growing Mobile Payment System?

Indonesia QRIS grew 148.5% by volume in 2025, the fastest of the large national systems.

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