United States of America
The U.S. digital payment landscape in 2026 is shaped by a shift toward P2P ecosystems and mobile-first commerce. Digital wallets, particularly Cash App, now account for over 90% of high-frequency digital purchases, outpacing traditional credit and debit cards. For merchants, optimizing for fast, seamless wallet checkouts is key to engaging Gen Z and millennial audiences and unlocking growth.
*Data is for Codapay in the period of 1st Oct 2024 - 30th Sep 2025
Impact figures
59%
Android users
41%
iOS users
66.7%
Credit & Debit Card ownership
12.9B
App downloads in 2025
42B
App revenue (USD) in 2025
Insights
Digital wallets
The USA’s balanced Android/Apple market supports Apple/Google Pay’s effectiveness for enabling online payments.
Cards
Credit & Debit cards have high penetration in-market, but preference for this channel remains low despite likely overlapping significantly with the Apple user population.
Coda as your Merchant of Record
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