United Kingdom
The UK payment landscape in 2026 is shaped by strong contactless adoption and high card usage. Credit and debit cards, along with mobile wallets like Apple Pay and Google Pay, account for around 86% of transaction volume. For global merchants, optimizing for fast, seamless mobile checkouts is key to meeting expectations and unlocking growth in this mature, card-led market.
*Data is for Codapay in the period of 1st Oct 2024 - 30th Sep 2025
Impact figures
51%
Android users
49%
iOS users
62.1%
Credit & Debit Card ownership
2.4B
App downloads in 2025
4.5B
App revenue (USD) in 2025
Insights
Digital wallets
The UK's balanced Android/Apple market supports Apple Pay's effectiveness for enabling online payments.
Cards
Credit & Debit cards have high penetration in-market, boosting the effectiveness of this channel and likely overlapping significantly with the Apple user population.
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