Digital Wallet Statistics: Users, Online and In-Store Share

These digital wallet statistics come from the reports that published them, and each is labeled with its year and scope. Some are measurements of 2025, and some are forecasts. The page says which is which, because a forecast from a research firm and a survey of what people actually paid with aren't the same kind of number.

The short version:

• Digital wallets accounted for 56% of global online spending and 33% of in-person spending in 2025, according to Worldpay's Global Payments Report 2026.
• Juniper Research counted 4.4 billion digital wallet users worldwide in 2025 and forecasts growth of 35% over five years, to more than 6 billion by 2030.
• In the US, credit and debit cards made up two-thirds of consumer payments, and cash 14%, in the Federal Reserve's October 2025 payments diary.
• In card-heavy markets such as the US and UK, wallets such as Apple Pay, Google Pay and PayPal are mainly funded by cards, Worldpay says. A wallet payment can be a card payment underneath.

Wallets' share of spending (global, 2025)

Worldpay's Global Payments Report 2026 (covering 40-plus markets) says:

• "Globally, digital wallets accounted for 56% of online and 33% of in-person spending in 2025, making them the world's leading payment method."
• "In card-heavy markets like the US and the UK, wallets are a faster, more seamless way to use cards."
• "In card-led markets such as the UK, US and Australia, digital wallets like Apple Pay, Google Pay and PayPal are mainly funded by debit and credit cards."

The public article doesn't publish country-level wallet shares or describe how the figures were produced, so this page doesn't give a US wallet share from it. An earlier edition, the Global Payments Report 2025, noted that "digital wallets are the leading online payment method in eight of the 14 APAC markets covered."

Datos Insights' Global Digital Payments Market Report for 2025 measures wallets differently, as a share of digital payment volume rather than all spending. It says "digital wallets now account for 83% of global digital payment volume", with 51% of digital wallet volume spent in store.

Digital wallet users (global)

Juniper Research (press release, November 10, 2025) found that "the number of digital wallet users worldwide will increase by 35% over the next five years; rising from 4.4 billion in 2025." It projects more than 6 billion users in 2030, more than three-quarters of the world's population.

This is a market-research forecast from Juniper's Digital Wallets Market 2025-2030 report, not a count of active accounts. Treat the 2030 figure as a projection.

Transaction volume (global, forecast)

Visa projects that "digital wallet usage is projected to double—with transaction volume growing from 752 billion transactions in 2023 to 1.4 trillion in 2028." This is a count of transactions, not their value, and it covers uses from person-to-person payments and remittances to merchant payments and worker payouts.

How US consumers pay (2025)

The Federal Reserve's 2026 Diary of Consumer Payment Choice asked 6,079 people, from a national panel weighted to match the US population, to record every payment over three days in October 2025. It found:

• Credit and debit cards made up two-thirds of all payments.
• Cash made up 14% of payments, about six a month, and stayed the third most-used payment instrument.
• In-person payments were around two-thirds of all payments, and remote payments around one-third (37%).
• For in-person purchases, 40% of consumers most preferred debit cards and 38% credit cards. The credit card share was up from 24% in 2016.
• More than 80% had paid with cash at least once in the previous 30 days.

The Diary reports payments by instrument, such as cards and cash. It doesn't give a separate figure for digital wallets.

What this means for a small business

• Online is where wallets carry the largest share. Wallets carried 56% of online spending worldwide in 2025, so an online checkout or invoice payment page without them leaves out the method behind more than half of online spending worldwide. See how to accept online payments and the guide to mobile payments.
• In the US, wallets are mainly funded by cards. Because US wallets are mainly card-funded, accepting cards through a processor that supports wallets covers both. See how to accept credit card payments.
• Keep other options. With cards at two-thirds of US consumer payments and cash still 14%, wallets are an addition, not a replacement. For clients in other countries, see international payment methods.

Billed, which publishes this page, lets clients pay invoices online by card through Stripe or with PayPal (Billed payments). For wallet apps to compare, see best digital wallet apps.

For related figures, see mobile payment statistics, payment processing statistics, real-time payments statistics, cryptocurrency payment statistics and invoicing statistics.

When these figures don't fit your business

• B2B sales. These figures describe consumer spending. None of these reports measures how businesses pay invoices.
• A local customer base. Global averages hide large country differences. Worldpay's own reports show wallet-led markets in Asia-Pacific and card-led markets such as the US and UK.
• Forecasts. Juniper's and Visa's numbers for 2028 and 2030 are projections. Worldpay's 56% and 33% and the Fed's US figures describe 2025.

Frequently Asked Questions

How many people use digital wallets?

Juniper Research counted 4.4 billion digital wallet users worldwide in 2025 and forecasts growth of 35% over the next five years, to more than 6 billion by 2030. The 2030 figure is a projection.

What share of online spending goes through digital wallets?

Worldpay's Global Payments Report 2026 says digital wallets accounted for 56% of global online spending and 33% of in-person spending in 2025, making them the world's leading payment method.

Do US consumers still pay mostly with cards?

Yes. In the Federal Reserve's 2026 Diary of Consumer Payment Choice, covering October 2025, credit and debit cards made up two-thirds of consumer payments and cash 14%. Worldpay notes that in the US, wallets such as Apple Pay, Google Pay and PayPal are mainly funded by cards.

Should a small business accept digital wallets?

If you sell or take invoice payments online, offering wallets alongside cards matches how customers pay: wallets were 56% of global online spending in 2025. In the US, wallets are mainly card-funded, so a card processor that supports them covers both. Keep cards and bank payments available too.

Are digital wallet statistics measurements or forecasts?

Both kinds circulate. Worldpay's 56% and 33% shares and the Federal Reserve's diary describe 2025. Juniper's 6 billion users by 2030 and Visa's 1.4 trillion transactions by 2028 are forecasts. Check the year and source before quoting a figure.

How many digital wallet transactions are there?

Visa projects wallet transaction volume will grow from 752 billion transactions in 2023 to 1.4 trillion in 2028, roughly doubling. That's a count of transactions, not their value.