North America · GDP rank #1
United States
US · USD @ 1.0000/USD
The world's largest card market remains stubbornly fragmented on rails: FedNow, RTP, Zelle and Nacha ACH compete where most peers run a single national instant scheme. Interchange revenue underwrites a rewards arms race that is now at structural risk from the 2024 CFPB §1033 open-banking rule and the GENIUS Act stablecoin framework, which entered OCC and Treasury rule-making during early 2026.
Tab 02
Consumer payments
How consumers actually pay: the share of cash, the stock and flow of cards, the scheme split at checkout, which mobile wallets matter, and how broadly POS acceptance reaches.
Every figure is authored against a named publisher — click the ⓘ anywhere to open the source panel with the underlying URL and access date.
Cash share of POS volume
% · 2023
Debit card share
% · 2023
Credit card share
% · 2023
Mobile wallet share
% · 2024
Payment mix
At the point of sale
The shares below are POS volume (count of transactions), which reads differently from POS value. For the value-share read, see the card-economy grid underneath.
Share of POS
- Cash16%
- Credit card31%
- Debit card33%
- Instant / A2A5%
- Mobile wallet32%
- BNPL7%
- Other8%
Cash behaviour
- ATM network
- 450,000
- Avg. ATM withdrawal
- US$155
- Cash share · value
- 9%
- Cash share · volume
- 16%
Source · ATM Industry Association (ATMIA)
Scheme share
Which networks clear the card volume
Scheme share is the split of general-purpose card purchase volume — not issuance, not count of cards. A high domestic share (e.g. UnionPay, RuPay, ELO) means a large share of card flow never touches a global scheme.
Share of card volume
- Visa61%
- Mastercard26%
- Amex11%
- Other2%
Debit card transactions
transactions/year · 2021 (Fed triennial)
Debit card spend
USD/year · 2021 (Fed triennial)
Credit card transactions
transactions/year · 2021 (Fed triennial)
Credit card spend
USD/year · 2024
Average debit ticket
USD · 2021
Average credit ticket
USD · 2021
Mobile wallets
Where wallets actually land
User counts are the best single scalar for wallet reach, but they understate usage intensity in markets where one super-app carries multi-digit trillions of renminbi or rupees. For flow, see the rails tab.
Active users
- Apple Pay~60M
2024
- Google Pay / Google Wallet~25M
2024
- PayPal~180M
2024
- Cash App57M
Q4 2024
- Venmo~65M
2024
Notable wallets
Apple Pay
Penetrates roughly 55% of US iPhone households; in-store usage still trails online.
eMarketer
Google Pay / Google Wallet
eMarketer
PayPal
PayPal Investor Relations
Cash App
Block Inc.
Venmo
PayPal Investor Relations
Full reference