- In e-commerce, wallets have overtaken bank cards. In 2024, they accounted for 53% of payments by value worldwide, compared with 32% for bank cards (credit and debit), according to Worldpay’s 2025 Global Payment Report.
- Their adoption is hindered by market fragmentation, which complicates integration for retailers.
- In stores, where bank cards remain dominant, Wero and PayPal are rolling out alternative journeys (QR code, BNPL, loyalty programmes) to accelerate their offline penetration.
10 years after the arrival of the first Big Tech digital wallets, payment wallets — Apple Pay, Google Pay, Samsung Pay and PayPal — have become major payment methods. Through a mobile app or software, they enable users to store and manage banking data, whether dematerialised cards or an IBAN, as with PayPal. In e-commerce wallets have overtaken card payments. According to the Global Payment Report 2025 from Worldpay, e-commerce wallets accounted for 53% of global payment value compared with 32% for bank cards (credit and debit). In stores cards remain ahead with 47% of payment value, compared with 32% for wallets.
According to Worldpay, wallets are expected to gradually supplant traditional bank payments. By 2030 they could reach 65% of e-commerce payments and 45% of in-store transactions, while the share of cards could fall to 20% online and 36% at the point of sale. In Europe wallet adoption, more moderate than in the United States, is growing rapidly. In 2024 they accounted for 33% of online payment value and 14% in stores. Norway (42%) and Denmark (41%) show the highest online rates, ahead of the United Kingdom, Ireland and Italy (40%), then Germany (35%), Spain and France (34%). In France the same trend holds as this payment method reached 34% of online payments in 2024 (up by 6 points in a year) and 13% in stores (up by 4 points).
Journaliste économique pour mind Retail depuis 2024, j’analyse la transformation digitale du commerce.