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The United States

The United States Payment Market Overview

The US ranks as the second-largest e-commerce market in the world, second only to China in terms of sales. Business to consumer e-commerce sales are worth $744.1 billion, and online sales growth in the US is expected to reach a compound annual growth rate of 10.2 percent to 2021.

Despite appearing to be a highly established market, the US offers significant opportunity for e-commerce growth due to the fact that e-commerce is still a minor shopping channel in the country. Online shopping in the US accounts for just 8.9 percent of overall retail sales; there is still plenty of room for the market to grow and to steal share from traditional bricks-and-mortar commerce.

Payment Methods in the United States

Key Market Indicators in the United States

Online shopping market value
Pay with cards
Bank account penetration
Avg annual online spend

Banks in the United States

JPMorgan Chase
Bank of America
Wells Fargo
Goldman Sachs
Morgan Stanley
U.S. Bancorp
Truist Financial

Mobile Carriers in the United States


Integrate the US Payment Methods

Cards are the dominant online payment method in the US, used for 47 percent of all e-commerce transactions, or $348.74 billion in annual online sales. The success of online card payments can be attributed to longstanding familiarity with the payment method: card penetration is one of the highest out of the countries included in our report, at 2.44 debit cards and 2.01 credit cards per capita.

The ubiquity of credit and debit cards has made them an enabler of digital wallets in the U.S. With smartphones, digital wallets have the potential to extend the benefits of physical cards by seamlessly integrating loyalty programs and personalized financing offers.

Country Statistics
Region North America
Population 330 million
E-commerce market size $744,1 billion
Local currency USD
Key Metrics
Internet penetration rate 78.2%
Internet cost $58/month
Mobile penetration rate 96%
Cellular technology standard 4G, 5G
Dual sim usage 3.73%
Popular mobile OS iOS
Other Information
Big Mac Index 5.67
Average annual income $31,099
Largest Cities in the US by Population
New York, NY 8,336,817
Los Angeles, CA 3,979,576
Chicago, IL 2,693,976
Houston, TX 2,320,268
Phoenix, AZ 1,680,992
Philadelphia, PA 1,584,064
San Antonio, TX 1,547,253
San Diego, CA 1,423,851
Dallas, TX 1,343,573
San Jose, CA 1,021,795

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