Australia
Australia’s payment landscape in 2026 is shaped by widespread use of credit and debit cards within a mature digital economy. Cards account for the majority of transaction volume, reflecting strong adoption of bank-based payments. For B2B entrants, ensuring reliable, high-authorization card flows is key to reaching consumers and unlocking growth in Australia.
*Data is for Codapay in the period of 1st Oct 2024 - 30th Sep 2025
Impact figures
58%
Android users
42%
iOS users
51.4%
Credit & Debit Card ownership
885.2M
App downloads in 2025
2.3B
App revenue (USD) in 2025
Insights
Digital wallets
Australia’s highly Android-dominant market limits Apple Pay's effectiveness for enabling online payments.
Cards
Credit & Debit cards have moderate penetration in-market and represent 100% of Codapay volumes in Australia, demonstrating exclusive card preference among Australian gamers.
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