Online payments
statistics 2026

Cards are no longer the largest online payment method worldwide: digital wallets overtook them. But cards remain the rails underneath many wallet payments, and directly used cards still carry a large share of e-commerce and in-store spending.

Key credit card statistics 2025/2026

• Credit cards accounted for 20% of global e-commerce value in 2025 and debit cards for 10%; Worldpay forecasts 16% and 8% by 2030 (Worldpay Global Payments Report, 2026)
• Direct card use (outside wallets) represented 31% of e-commerce and 48% of point-of-sale value globally in 2025, over $16.1 trillion in direct spending across the 42 markets covered (Worldpay Global Payments Report, 2026)
• At the point of sale, credit cards held 24% and debit cards 22% of global value in 2025 (Worldpay Global Payments Report, 2026)
• In the euro area, card payments made up 57% of the 83.5 billion non-cash payments in the second half of 2025 (+6.9%); credit transfers 21%, direct debits 14%, e-money 6% (ECB payments statistics, 2026)
• Remote (online) card payments were 19% of euro area card payments by number and 30% by value in H2 2025 (ECB payments statistics, 2026)
• In the Netherlands, 73.3 million online card payments were made with Dutch credit and new debit cards in 2025, worth €6.95 billion (Betaalvereniging Nederland, 2026)
• Credit cards were used for 8% of Dutch online purchases in 2025, down from 9% in 2024 (Thuiswinkel Markt Monitor via Betaalvereniging, 2026)
• By the end of 2025, Dutch banks had replaced more than 20% of Maestro and V PAY cards with Debit Mastercard or Visa Debit cards, which also work online (Betaalvereniging Nederland, 2026)
• Card scheme share in the Netherlands (2024): Mastercard 92%, Visa 6%, American Express 1% (Worldpay Global Payments Report, 2026)
• Fraud losses on cards issued in the EU/EEA reached €1.329 billion in 2024, up 29% year on year (EBA & ECB, 2025)

Card market share trends

Worldpay expects cards to lose some direct share to wallets by 2030, while card volumes keep growing inside those wallets.

• E-commerce, credit cards: 20% in 2025, forecast 16% in 2030 (Worldpay Global Payments Report, 2026)
• E-commerce, debit cards: 10% in 2025, forecast 8% in 2030 (Worldpay Global Payments Report, 2026)
• Point of sale, credit cards: 24% in 2025, forecast 21% in 2030 (Worldpay Global Payments Report, 2026)
• Point of sale, debit cards: 22% in 2025, forecast 19% in 2030 (Worldpay Global Payments Report, 2026)

Buy Now Pay Later has grown from a niche into a mainstream way to pay, and BNPL brands increasingly sit inside wallets and shopping apps. For online stores, the relevance of BNPL differs strongly by market.

Global BNPL market

• Global e-commerce BNPL value rose 130-fold, from $2.3 billion in 2014 to an estimated $300 billion in 2025 (Worldpay Global Payments Report, 2026)
• BNPL accounted for 4% of global e-commerce value in 2025, forecast 5% by 2030 (Worldpay Global Payments Report, 2026)
• Worldpay expects BNPL to reach $500 billion of global e-commerce value by 2030 (Worldpay, 2026)
• Klarna had 120 million active consumers in Q2 2026 (+8%) and GMV of $36.6 billion (+18%) (Klarna Q2 2026 results)
• More than 1.2 million merchants were live on Klarna in Q2 2026, up 54% (Klarna Q2 2026 results)
• Klarna Fair Financing (point-of-sale installments) grew 82% to $4.7 billion and was 13% of GMV (Klarna Q2 2026 results)
• In the US 2025 holiday season, BNPL drove $20 billion in online spend (+9.8%); Cyber Monday alone passed $1 billion ($1.03 billion) (Adobe Analytics, 2026)

BNPL in the Netherlands

• BNPL accounted for 10% of Dutch online payment value in 2025, forecast 11% by 2030 (Worldpay Global Payments Report, 2026)
• Klarna grew from 3% to 4% of Dutch online purchases in 2025 (Thuiswinkel Markt Monitor via Betaalvereniging, 2026)

Contactless payments have gone from novelty to norm across most of Europe, and cash keeps losing ground at the checkout. The Netherlands is one of the most cashless countries in the euro area.

Contactless payment key figures

• The euro area recorded 32.9 billion contactless card payments at physical terminals in H2 2025, up 11.9%, worth €0.9 trillion (+12.8%) (ECB payments statistics, 2026)
• 93% of point-of-sale terminals in the euro area accepted contactless payments (ECB payments statistics, 2026)
• The Netherlands counted 5.83 billion debit card payments in 2025 (+1.2%); 95% were contactless with a card, phone or smartwatch (Betaalvereniging Nederland, 2026)
• Of all Dutch checkout purchases, 78% were paid contactless in 2025: 40% with a card and 39% with a phone or smartwatch; only 4% inserted the card (-2 percentage points) (DNB & Betaalvereniging, 2026)
• For Dutch purchases of €50 to €100, the card was inserted in 9% of cases (2024: 14%); above €100 in 7% (2024: 11%) (DNB & Betaalvereniging, 2026)
• Contactless dominates at Dutch vending machines (85%) and supermarkets (83%) (DNB & Betaalvereniging, 2026)

Cash vs. digital

• In the euro area, 52% of point-of-sale payments were still made in cash in 2024, down from 59% (2022), 72% (2019) and 79% (2016); by value 39% (ECB SPACE study, 2024)
• The Netherlands had the lowest cash share in the euro area: 22% of point-of-sale payments in 2024 (ECB SPACE study, 2024)
• Dutch survey data for 2025 show cash at 17% of checkout purchases and cards at 83%, after years of about one in five in cash (DNB & Betaalvereniging, 2026)
• In the US, cash accounted for 14% of all payments in 2025, about six payments per month (Federal Reserve Diary of Consumer Payment Choice, 2026)
• 62% of euro area consumers consider it important or very important to keep the option to pay in cash (2022: 60%) (ECB SPACE study, 2024)

Checkout abandonment, when shoppers leave before completing their purchase, is one of the biggest challenges in e-commerce. Payment methods, trust and extra costs all play a role.

Global checkout abandonment figures

• The average documented online cart abandonment rate is 70.22%, based on 50 studies (Baymard Institute, 2026)
• 42% of US online shoppers abandoned a cart because they were just browsing or not ready to buy (Baymard Institute, 2026)
• Reasons for abandoning during checkout among US shoppers (excluding "just browsing") (Baymard Institute, 2026):
  • Extra costs too high (shipping, tax, fees): 40%
  • Delivery was too slow: 20%
  • Didn't trust the site with credit card information: 19%
  • The site wanted me to create an account: 18%
  • Too long or complicated checkout: 17%
  • Website had errors or crashed: 17%
  • Returns policy wasn't satisfactory: 13%
  • Couldn't see or calculate total order cost up-front: 12%
  • Credit card was declined: 10%
  • Not enough payment methods: 9%
• The average US checkout shows 23.48 form elements by default (14.88 form fields), while an ideal flow can be as short as 12 to 14 elements (Baymard Institute, 2026)

Pairing payment UX with a dedicated Google Shopping agency to drive qualified traffic makes every checkout improvement count for more orders.

Revenue impact

• Baymard estimates that the average large e-commerce site can gain a 35.26% increase in conversion rate through better checkout design (Baymard Institute, 2026)
• Applied to $738 billion in combined US and EU e-commerce sales, that equals $260 billion in recoverable lost orders (Baymard Institute, 2026)

The PSD2 directive introduced Strong Customer Authentication (SCA) and opened bank accounts to licensed third parties. European supervisors find that SCA keeps working, while open banking is scaling fastest in the UK.

PSD2 impact

• Transactions verified with SCA were generally less susceptible to fraud than those without it, especially card payments (EBA & ECB, 2025)
• Card payment fraud was 17 times higher when the payee was outside the EEA, where SCA is not legally required (EBA & ECB, 2025)
• Despite stable fraud rates, total EEA fraud losses rose to €4.2 billion in 2024 (EBA & ECB, 2025)

Open banking globally

• UK open banking passed 1 billion cumulative payments and 100 billion API calls in June 2026 (Open Banking Limited, 2026)
• Monthly UK open banking payments passed 40 million for the first time in May 2026 (Open Banking Limited, 2026)
• A record 2.94 billion API calls were made in July 2026; user connections grew 26% year on year (Open Banking Limited, 2026)
• Account-to-account payments were 7% of global e-commerce value and 4% of point-of-sale value in 2025 (Worldpay Global Payments Report, 2026)
• In the Netherlands, account-to-account (iDEAL) accounts for 64% of online payment value (Worldpay Global Payments Report, 2026)

The payment landscape keeps changing: a European wallet replaces iDEAL, payment apps move into stores and central banks prepare digital cash. These are the trends with verified numbers behind them.

1. iDEAL becomes Wero

• The migration from iDEAL to the European wallet Wero covers at least 15 million consumers; all Dutch issuing banks are connected from October 2026 and completion is targeted for 31 December 2027 (EPI Company, 2026)
• Wero has 57 million users, with another 23 million to follow through migrations in the Netherlands, Luxembourg and Austria, and 4,600 merchants onboarded (EPI Company, 2026)

2. Payment apps move into stores

• Payment apps are forecast to grow at 8% a year at the point of sale (2025-2030), versus 3.4% for the channel as a whole (Worldpay Global Payments Report, 2026)
• Their share of global point-of-sale value rises from 37% in 2025 to 46% in 2030 (Worldpay, 2026)

3. Digital wallets keep growing

• Worldpay forecasts wallets at 63% of global e-commerce value by 2030, up from 56% in 2025 (Worldpay Global Payments Report, 2026)
• Global e-commerce is forecast to grow from $7.6 trillion (2025) to $11 trillion (2030), 7.5% a year (Worldpay Global Payments Report, 2026)

4. AI in payments

• Traffic from generative AI tools to US retail sites rose 693.4% in the 2025 holiday season, a first sign of AI-assisted shopping reaching the checkout (Adobe Analytics, 2026)

5. Crypto and CBDCs

• Direct crypto payments were only 0.19% of global e-commerce value in 2025, forecast 0.28% (about $31 billion) in 2030 (Worldpay Global Payments Report, 2026)
• Only 10% of merchants globally accept crypto, according to MRC and Visa as cited by Worldpay; Visa-issued crypto card spending rose 525% in 2025 (Worldpay Global Payments Report, 2026)
• Stablecoin-linked card spending grew to $4.5 billion in 2025, up 673% (McKinsey, as cited by Worldpay) (Worldpay Global Payments Report, 2026)
• The ECB is preparing a digital euro pilot in 2027 and aims to be ready for a first issuance in 2029, if EU legislation is adopted in 2026 (ECB, 2026)

6. Cash as a backup

• 90% of US consumers plan to keep using cash, and 76% carry cash (on average $69) (Federal Reserve Diary of Consumer Payment Choice, 2026)
• In the Netherlands, consumers wanted to use another payment method for only 2% of checkout payments in 2025 (DNB & Betaalvereniging, 2026)