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PUBLISHER: GlobalData | PRODUCT CODE: 2114241
PUBLISHER: GlobalData | PRODUCT CODE: 2114241
US Cards and Payments: Opportunities and Risks to 2030
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PAGES: 105 Pages
DELIVERY TIME: 1-2 business days
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GlobalData's 'US Cards and Payments: Opportunities and Risks to 2030' report provides detailed analysis of market trends in US cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including debit, credit and charge cards during the review-period (2022-26e).
The report also analyzes various payment card markets operating in the industry and provides detailed information on the number of cards in circulation, transaction values and volumes during the review-period and over the forecast-period (2026e-30f). It also offers information on the country's competitive landscape, including market shares of issuers and schemes.
The report brings together GlobalData's research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers detailed regulatory policies and recent changes in regulatory structure.
GlobalData's 'US Cards and Payments: Opportunities and Risks to 2030' report provides top-level market analysis, information and insights into US cards and payments industry, including:
- Current and forecast values for each market in US cards and payments industry, including debit, credit and charge cards.
- Detailed insights into payment instruments including cards, cash, direct debits, credit transfer, and cheques . It also, includes an overview of the country's key alternative payment instruments.
- Ecommerce market analysis.
- Analysis of various market drivers and regulations governing US cards and payments industry.
- Detailed analysis of strategies adopted by banks and other institutions to market debit, credit and charge cards.
- Comprehensive analysis of consumer attitudes and buying preferences for cards.
- The competitive landscape of US cards and payments industry.
Key Highlights
- Contactless payments continue to gain momentum in the US. In response, public transportation authorities are adopting digital and contactless fare collection technologies to modernize payment systems and support broader contactless usage. For example, in August 2025, San Francisco's Bay Area Rapid Transit introduced its Tap and Ride contactless fare payment system which allows passengers to pay with contactless payment cards or digital wallets. Similarly, in December 2025, the San Francisco Municipal Transportation Agency extended contactless payment acceptance across the Muni network, enabling riders to pay at fare readers on buses and trains without using a Clipper card. These developments indicate wider ecosystem alignment and a more integrated role for contactless transactions.
- The mobile wallet payment landscape in the US is evolving. This is attributed to the growing internet and smartphone penetration. To capitalize on its growing adoption, in May 2025, Samsung Wallet launched Tap to Transfer functionality to its users. This feature enables P2P payments via NFC in the US. This functionality allows Samsung Wallet users to send money to another person's bank account linked to a Mastercard debit card by tapping their phone against the recipient's NFC-enabled device-without needing a third-party payment app.
- The deployment of AI and other innovative technologies will further accelerate the rise of online retail in the US. In May 2025, PayPal partnered with the AI platform Perplexity to offer agentic commerce which enables users to shop online and complete payments within the chat interface. This partnership enables PayPal's checkout, payments, and wallet capabilities embedded into Perplexity's platform, allowing users to move from product discovery to payment transaction execution in a single flow. The integration supports secure payments, order management, and post-purchase activities without redirecting users to external sites.
Scope
- Card market size in terms of number of cards, value and volume of transactions in US along with detailed card segmentation of debit, credit and charge cards available in the country.
- Market sizing and analysis of major payment instruments including cards, cash, direct debits, credit transfer, and cheques.
- Payment market trends and growth for both historical and forecast period
- Competitor analysis with detailed insights into leading card issuers and schemes.
- Comprehensive analysis of consumer attitudes and buying preferences for cards.
- A detailed snapshot of country's key alternative payment brands.
Reasons to Buy
- Make strategic business decisions, using top-level historic and forecast market data, related to US cards and payments industry and each market within it.
- Understand the key market trends and growth opportunities in US cards and payments industry.
- Assess the competitive dynamics in US cards and payments industry.
- Gain insights into marketing strategies used for various card types in US.
- Gain insights into key regulations governing US cards and payments industry.
Product Code: GDFS0975CI
Table of Contents
Table of Contents
1. Executive Summary
2. Market Overview
3. Macroeconomics, Regulation, and Infrastructure
4. Payment Instruments
5. Card-Based Payments
6. Card Payment Acquiring
7. Instant Payments
8. 8.Digital Wallet Payments
9. Buy Now Pay Later
10. Retail Payments
11. In-Store Payments
12. Ecommerce Payments
13. Bill Payments
14. P2P and Remittances
15. Appendix
Product Code: GDFS0975CI
List of Table
List of Tables
- Key facts, 2026e
- Payment instrument transaction values (LCU), 2022-2030f
- Payment instrument transaction values ($), 2022-2030f
- Payment instrument transaction volumes (units), 2022-2030f
- Payment cards in circulation by type (units), 2022-2030f
- Volume of payment card transactions (units), 2022-2030f
- Value of payment card transactions (LCU), 2022-2030f
- Value of payment card transactions ($), 2022-2030f
- Debit cards in circulation (units), 2022-2030f
- Debit card transaction volumes, 2022-2030f
- Debit card transaction values (LCU), 2022-2030f
- Debit card transaction values ($), 2022-2030f
- Debit cards in circulation by scheme (units), 2022-26e
- Debit card transaction values by scheme (LCU), 2022-26e
- Debit card transaction values by scheme ($), 2022-26e
- Debit cards in circulation by issuer (units), 2022-26e
- Debit cards transaction value by issuer (LCU), 2022-26e
- Debit cards transaction value by issuer ($), 2022-26e
- Credit and charge cards in circulation (Units), 2022-2030f
- Credit and charge card transaction volumes, 2022-2030f
- Credit and charge card transaction values (units), 2022-2030f
- Credit and charge card transaction values ($), 2022-2030f
- Credit and charge cards in circulation by scheme (units), 2022-26e
- Credit and charge card transaction values by scheme (LCU), 2022-26e
- Credit and charge card transaction values by scheme ($), 2022-26e
- Credit and charge cards in circulation by issuer (units), 2022-26e
- Credit and charge cards transaction value by issuer (LCU), 2022-26e
- Credit and charge cards transaction value by issuer ($), 2022-26e
- Credit card in circulation (units), 2022-2030f
- Credit card transaction volumes, 2022-2030f
- Credit card transaction values (LCU), 2022-2030f
- Credit card transaction values ($), 2022-2030f
- Credit card in circulation by scheme (units), 2022-26e
- Credit card transaction values by scheme (LCU), 2022-26e
- Credit card transaction values by scheme ($), 2022-26e
- Charge card in circulation (units), 2022-2030f
- Charge card transaction volumes, 2022-2030f
- Charge card transaction values (LCU), 2022-2030f
- Charge card transaction values ($), 2022-2030f
- Charge card in circulation by scheme (units), 2022-26e
- Charge card transaction values by scheme (LCU), 2022-26e
- Charge card transaction values by scheme ($), 2022-26e
- Prepaid cards in circulation (units), 2022-2030f
- Prepaid card transaction values (LCU), 2022-2030f
- Prepaid card transaction values ($), 2022-2030f
- Prepaid card transaction volumes (units), 2022-2030f
- Merchant acquiring transaction volumes (units), 2022-2030f
- Merchant acquiring transaction values (LCU), 2022-2030f
- Merchant acquiring transaction values ($), 2022-2030f
- Acquirers' transaction volumes (units), 2022-26e
- Acquirers' transaction values (LCU), 2022-26e
- Acquirers' transaction values ($), 2022-26e
- Retail outlets and card-accepting merchants (units), 2022-2030f
- Debit card average interchange fees (%), 2022-26e
- Credit and charge card average interchange fees (%), 2022-26e
- Debit card merchant service charge and interchange fee (%), 2022-2030f
- Credit and charge card merchant service charge and interchange fee (%), 2022-2030f
- Retail market by product categories (LCU), 2022-2030f
- Retail market by product categories ($), 2022-2030f
List of Figure
List of Figures
- Card penetration per inhabitant
- Average number of monthly card transactions
- POS terminals per 1,000 inhabitants
- Inflation rate
- GDP growth rate
- Unemployment rate
- Average annual wages
- Total population
- Banked population
- Internet penetration
- Cell phone penetration
- Number of ATMs and ATMs per 1 million inhabitants
- Number of POS terminals and POS terminals per 1 million inhabitants
- Payment istrument transaction volume (paper-based vs electronic payments)
- Payment instruments transaction value
- Payment instruments transaction volume
- Cross-border payment value
- Cross-border payment Volume
- Payment cards number of cards in circulation
- Payment cards card penetration per individual, by card type
- Payment cards value of card transactions
- Payment cards volume of card transactions
- Payments card value physical POS vs. remote
- Payments card volume physical POS vs. remote
- Payments value domestic vs. cross-border
- Payments volume domestic vs. cross-border
- Debit card share of transaction value
- Credit and charge card share of transaction value
- Debit card frequency of payments and average transaction value
- Debit card ATM withdrawals frequency of use and average transaction value
- Debit card schemes transaction value
- Debit card schemes transaction volume
- Debit card schemes market share in terms of transaction value
- Debit card issuers by number of cards
- Debit card issuers by transaction value share
- Credit and charge card frequency of payments and average transaction value
- Credit and charge card ATM withdrawals frequency of use and average transaction value
- Credit and charge card schemes transaction value
- Credit and charge card schemes transaction volume
- Credit and charge card schemes market share in terms of transaction value
- Credit and charge card issuers by number of cards
- Credit and charge card issuers by transaction value share
- Credit card balances outstanding
- Credit card balances outstanding repayment schedule
- Number of prepaid cards, value and volume
- Prepaid card usage drivers
- Card payment acquiring transaction value and volume
- Card Payment Acquiring - Debit card transaction value and market share by transaction value
- Card Payment Acquiring - Credit and charge card transaction value and market share by transaction value
- Debit card average interchange fees (%)
- Credit and charge card average interchange fees (%)
- Debit card merchant service charge and interchange fee (%)
- Credit and charge card merchant service charge and interchange fee (%)
- Instant payments transaction value
- Instant payments transaction volume
- Digital wallet transaction value
- Digital wallet transaction volume
- Mobile Proximity Payments usage drivers
- Mobile Proximity Payments funding methods
- BNPL online transaction value and transaction volume
- BNPL share of overall ecommerce transaction value
- Preferred BNPL brand/tool for in-store and online payments
- Retail sales
- In-store transaction value by payment method
- In-store payment tool usage drivers
- In-store transaction value by products and services
- Ecommerce transaction value and ecommerce breakdown by mobile vs. desktop/laptop
- Ecommerce market by product and services
- Ecommerce market by payment tools
- Online payment tool usage drivers
- Bill Payments - Breakdown by payment tools
- Bill Payments- Frequency of bill payments
- P2P Payments - Domestic and International P2P money transfers and top priorities for P2P tools
- Value of inward and outward remittances
- Top 10 countries for inward and onward remittances
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