--- title: Global Payments Outlook 2025 | emerchantpay description: This report offers valuable insight into the influential factors shaping consumer purchases worldwide, aiding businesses in staying adaptable and optimising their revenue potential.   image: https://resources.emerchantpay.com/hubfs/EMP_GPO25_MetaImage1.png --- [![Emerchantpay](https://resources.emerchantpay.com/hs-fs/hubfs/raw_assets/public/emerchantpay_June2021/images/emerchantpay-logo-transparent.png?width=914&height=322&name=emerchantpay-logo-transparent.png "Emerchantpay")](https://www.emerchantpay.com/) [Contact Us](https://www.emerchantpay.com/contact-us/) [Log In](https://partner-resource-centre.emerchantpay.com/login) - SOLUTIONS - PRODUCTS - [Online payments](https://www.emerchantpay.com/online-payments/) - [POS terminals](https://www.emerchantpay.com/pos-terminals/) - [Card issuing](https://www.emerchantpay.com/card-issuing/) - SERVICES - [Acquiring](https://www.emerchantpay.com/acquiring/) - [Global payment methods](https://www.emerchantpay.com/global-payment-methods/) - [Platforms and partnerships](https://www.emerchantpay.com/platforms-partnerships/) - [Reporting](https://www.emerchantpay.com/reporting/) - [Risk and fraud management](https://www.emerchantpay.com/risk-fraud-management/) - INDUSTRIES - [eCommerce](https://www.emerchantpay.com/e-commerce/) - [Retail](https://www.emerchantpay.com/retail/) - [Small Businesses](https://www.emerchantpay.com/small-business/) - [Travel](https://www.emerchantpay.com/travel/) - [Gambling](https://www.emerchantpay.com/gambling/) - [Forex](https://www.emerchantpay.com/forex/) - COMPANY - [About us](https://www.emerchantpay.com/about-us/) - [Careers](https://www.emerchantpay.com/careers/) - [Events](https://www.emerchantpay.com/events/) - [Press and media](https://www.emerchantpay.com/press-and-media/) - [Licenses and certifications](https://www.emerchantpay.com/certifications/) - PARTNERS - RESOURCES - INSIGHTS - [Blog](https://www.emerchantpay.com/insights/) - [Downloadables](https://www.emerchantpay.com/downloadables/) - [Videos](https://www.emerchantpay.com/videos/) - DOCUMENTATION - [Documentation](https://docs.emerchantpay.com/) - [API reference](https://emerchantpay.github.io/gateway-api-docs/) - [SDKs](https://github.com/eMerchantPay/) - [Partner resource centre](https://partner-resource-centre.emerchantpay.com/login) - SOLUTIONS - PRODUCTS - [Online payments](https://www.emerchantpay.com/online-payments/) - [POS terminals](https://www.emerchantpay.com/pos-terminals/) - [Card issuing](https://www.emerchantpay.com/card-issuing/) - SERVICES - [Acquiring](https://www.emerchantpay.com/acquiring/) - [Global payment methods](https://www.emerchantpay.com/global-payment-methods/) - [Platforms and partnerships](https://www.emerchantpay.com/platforms-partnerships/) - [Reporting](https://www.emerchantpay.com/reporting/) - [Risk and fraud management](https://www.emerchantpay.com/risk-fraud-management/) - INDUSTRIES - [eCommerce](https://www.emerchantpay.com/e-commerce/) - [Retail](https://www.emerchantpay.com/retail/) - [Small Businesses](https://www.emerchantpay.com/small-business/) - [Travel](https://www.emerchantpay.com/travel/) - [Gambling](https://www.emerchantpay.com/gambling/) - [Forex](https://www.emerchantpay.com/forex/) - COMPANY - [About us](https://www.emerchantpay.com/about-us/) - [Careers](https://www.emerchantpay.com/careers/) - [Events](https://www.emerchantpay.com/events/) - [Press and media](https://www.emerchantpay.com/press-and-media/) - [Licenses and certifications](https://www.emerchantpay.com/certifications/) - PARTNERS - RESOURCES - INSIGHTS - [Blog](https://www.emerchantpay.com/insights/) - [Downloadables](https://www.emerchantpay.com/downloadables/) - [Videos](https://www.emerchantpay.com/videos/) - DOCUMENTATION - [Documentation](https://docs.emerchantpay.com/) - [API reference](https://emerchantpay.github.io/gateway-api-docs/) - [SDKs](https://github.com/eMerchantPay/) - [Partner resource centre](https://partner-resource-centre.emerchantpay.com/login) [Contact Us](https://www.emerchantpay.com/contact-us/) [Log In](https://partner-resource-centre.emerchantpay.com/login) # Global Payments Outlook 2025 ### Your guide to navigating the evolving payment landscape   [DOWNLOAD](https://resources.emerchantpay.com/download-global-payments-outlook-2025?hsLang=en#download) ![GPO cover - Header image](https://resources.emerchantpay.com/hs-fs/hubfs/GPO%20cover%20-%20Header%20image.png?width=768&name=GPO%20cover%20-%20Header%20image.png "GPO cover - Header image") ![GPO secound image](https://resources.emerchantpay.com/hubfs/GPO%20secound%20image.png "GPO secound image") As the global payments ecosystem continues to evolve, staying ahead of emerging trends is critical to success. In this report, emerchantpay offers a comprehensive analysis of key regional markets, equipping you with the insights and data needed to optimise your payment strategies. Explore the latest developments in five major regions, from shifting consumer behaviours to payment trends in 2025. Gain a deeper understanding of how local trends are shaping the future of payments and how you can tap into new opportunities for growth.     ## Discover how to optimise your payment strategies for the future ## Key payment insights across regions ![Image (6)](https://resources.emerchantpay.com/hubfs/Image%20(6).png "Image (6)") ![North America](https://resources.emerchantpay.com/hubfs/North%20America.svg "North America") #### North America The US is a pioneer in digital payments, with digital wallets set to dominate 52% of eCommerce by 2027. ![LATAM](https://resources.emerchantpay.com/hubfs/LATAM.svg "LATAM") #### LATAM B2B cross-border payments in Latin America are set to grow 11% annually over the next decade.  ![Europe](https://resources.emerchantpay.com/hubfs/Europe.svg "Europe") #### Europe The Euro area boasts a high credit card penetration rate, with an average of 1.9 payment cards per inhabitant. ![MENA](https://resources.emerchantpay.com/hubfs/MENA.svg "MENA") #### MENA Cash leads POS payments at 35%, but by 2027, mobile payments will dominate at 33%, with cash falling to 26%. ![APAC](https://resources.emerchantpay.com/hubfs/APAC.svg "APAC") #### APAC Asia Pacific heavily relies on digital wallets, expected to reach 77% of eCommerce payments by 2027. ## eCommerce penetration rate per country ![US (3)](https://resources.emerchantpay.com/hs-fs/hubfs/US%20(3).png?width=150&height=144&name=US%20(3).png "US (3)") #### 84.53% #### United States ![Denmark](https://resources.emerchantpay.com/hs-fs/hubfs/Denmark.png?width=150&height=144&name=Denmark.png "Denmark") #### 82.27% #### Denmark   ![UK](https://resources.emerchantpay.com/hs-fs/hubfs/UK.png?width=150&height=144&name=UK.png "UK") #### 81.49% #### United Kingdom ![Norway](https://resources.emerchantpay.com/hs-fs/hubfs/Norway.png?width=150&height=144&name=Norway.png "Norway") #### 79.62% #### Norway ![China (3)](https://resources.emerchantpay.com/hs-fs/hubfs/China%20(3).png?width=150&height=144&name=China%20(3).png "China (3)") #### 78.85% #### China ![de 1](https://resources.emerchantpay.com/hs-fs/hubfs/de%201.png?width=150&height=144&name=de%201.png "de 1") #### 62.7% #### Germany ## eCommerce payment methods worldwide **50%** Digital wallet **22%** Credit card **12%** Direct debit **7%** Account-to-account **5.1%** Buy Now Pay Later **2%** Cash on delivery **1%** Prepaid card **1%** Other ## Explore regional payment trends to accelerate your global expansion   [DOWNLOAD](https://resources.emerchantpay.com/download-global-payments-outlook-2025?hsLang=en#download) [![Emerchantpay](https://resources.emerchantpay.com/hs-fs/hubfs/raw_assets/public/emerchantpay_June2021/images/emerchantpay-logo-transparent-green.png?width=914&height=322&name=emerchantpay-logo-transparent-green.png "Emerchantpay")](https://www.emerchantpay.com/) - PRODUCTS - [Online payments](https://www.emerchantpay.com/online-payments/) - [POS terminals](https://www.emerchantpay.com/pos-terminals/) - [Card issuing](https://www.emerchantpay.com/card-issuing/) - SERVICES - [Acquiring](https://www.emerchantpay.com/acquiring/) - [Global payment methods](https://www.emerchantpay.com/global-payment-methods/) - [Platforms and partnerships](https://www.emerchantpay.com/platforms-partnerships/) - COMPANY - [About us](https://www.emerchantpay.com/about-us/) - [Careers](https://www.emerchantpay.com/careers/) - [Events](https://www.emerchantpay.com/events/) - RESOURCES - [Blog](https://www.emerchantpay.com/insights/) - [Documentation](https://docs.emerchantpay.com/) - [Partner resource centre](https://partner-resource-centre.emerchantpay.com/login) - - - - [Contact Us](https://www.emerchantpay.com/contact-us/) - [Cookies](https://www.emerchantpay.com/cookie-settings/) - [Terms of use](https://www.emerchantpay.com/terms-of-use/) - [Legal](https://www.emerchantpay.com/legal/) For the UK: emerchantpay Ltd is a duly authorised electronic money institution subject to the prudential supervision of the UK Financial Conduct Authority (Financial Services Register No. 900778). For the EU: emerchantpay collaborates with UAB Phoenix Payments, a duly authorised electronic money institution subject to the prudential supervision of the Bank of Lithuania, licence number LB000477. For the US: emerchantpay Corp. is a Registered Partner/ISO of Elavon, Inc. Georgia \[a wholly owned subsidiary of U.S. Bancorp, Minneapolis, MN\], and of Westamerica Bank, Santa Rosa, CA.   Copyright © emerchantpay Ltd 2007 – 2024. All rights reserved. emerchantpay is a registered trade mark. Any unauthorised use is expressly prohibited  .