--- title: Your US Payments Guide | emerchantpay description: Discover essential insights into the US eCommerce market to help you successfully expand and grow your business. image: https://resources.emerchantpay.com/hubfs/US%20market%20guide%202025/US%20Market%20guide_MetaImage.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) # Your US payments guide ### Thinking of expanding your business to the United States? Our market guide will help you get there.    The US eCommerce market is one of the most mature and lucrative globally, with online retail sales projected to surpass [USD 1.34 trillion in 2025](https://www.statista.com/outlook/emo/ecommerce/united-states).  From coast to coast, the US presents a diverse landscape with distinct regional trends and high expectations for convenience and speed. Businesses entering the US need a deep understanding of local consumer behaviour and payment preferences to thrive.  Our market guide is designed to give you the actionable insights you need to confidently navigate the competitive American eCommerce ecosystem.   ## eCommerce payment methods in the US **39%** Digital wallet **31%** Credit card **18%** Debit card **6%** Buy now pay later **5%** Account-to-account **1%** Cash on delivery ## America’s most popular payment methods ![EMP_GooglePay](https://resources.emerchantpay.com/hs-fs/hubfs/LATAM%20market%20guide-%202025/EMP_GooglePay.png?width=1200&length=1200&name=EMP_GooglePay.png) ![EMP_ApplePay](https://resources.emerchantpay.com/hs-fs/hubfs/LATAM%20market%20guide-%202025/EMP_ApplePay.png?width=1200&length=1200&name=EMP_ApplePay.png) ![AmEx](https://7944008.fs1.hubspotusercontent-na1.net/hub/7944008/hubfs/US%20market%20guide%202025/AmEx.png?width=1200&length=1200&name=AmEx.png) ![Diners](https://7944008.fs1.hubspotusercontent-na1.net/hub/7944008/hubfs/US%20market%20guide%202025/Diners.png?width=1200&length=1200&name=Diners.png) ![Discover](https://7944008.fs1.hubspotusercontent-na1.net/hub/7944008/hubfs/US%20market%20guide%202025/Discover.png?width=1200&length=1200&name=Discover.png) ![EMP_PayPal](https://resources.emerchantpay.com/hs-fs/hubfs/LATAM%20market%20guide-%202025/EMP_PayPal.png?width=1200&length=1200&name=EMP_PayPal.png)   ## Download your full copy of The Global Payments Outlook 2025 ## Main cross border online shopping markets in the US ![China (5)](https://resources.emerchantpay.com/hs-fs/hubfs/US%20market%20guide%202025/China%20(5).png?width=112&height=112&name=China%20(5).png "China (5)") #### China   ![UK (1)](https://resources.emerchantpay.com/hs-fs/hubfs/US%20market%20guide%202025/UK%20(1).png?width=112&height=112&name=UK%20(1).png "UK (1)") United Kingdom ![Japan (2)](https://resources.emerchantpay.com/hs-fs/hubfs/US%20market%20guide%202025/Japan%20(2).png?width=112&height=112&name=Japan%20(2).png "Japan (2)") #### Japan ## Top eCommerce segments in the US ![Shoes (2)](https://resources.emerchantpay.com/hubfs/US%20market%20guide%202025/Shoes%20(2).png "Shoes (2)") Shoes ![Food and Beverages](https://resources.emerchantpay.com/hubfs/US%20market%20guide%202025/Food%20and%20Beverages.png "Food and Beverages") Food and beverages ![Cosmetics (2)](https://resources.emerchantpay.com/hs-fs/hubfs/US%20market%20guide%202025/Cosmetics%20(2).png?width=217&height=193&name=Cosmetics%20(2).png "Cosmetics (2)") Cosmetics and body care ![Pets](https://resources.emerchantpay.com/hs-fs/hubfs/US%20market%20guide%202025/Pets.png?width=217&height=193&name=Pets.png "Pets") Pet products ## Ready to grow your business in the US? Uncover essential insights into the US eCommerce landscape and other high growth markets across North America, Europe, LATAM, APAC and MENA in our Global Payments Outlook. Strengthen your local presence and drive global expansion with tailored payment strategies.  [DOWNLOAD REPORT](https://resources.emerchantpay.com/download-payments-guide-2025-unitedstates?hsLang=en#download) ![EMP_CoverTablet (3)](https://resources.emerchantpay.com/hubfs/Europe%20Market%20Guide%202025/EMP_CoverTablet%20(3).png "EMP_CoverTablet (3)") ![A forward glance at payments and eCommerce in the US](https://resources.emerchantpay.com/hubfs/US%20market%20guide%202025/A%20forward%20glance%20at%20payments%20and%20eCommerce%20in%20the%20US.png "A forward glance at payments and eCommerce in the US") ## A forward glance at payments and eCommerce in the US 88% is the eCommerce penetration rate in the US in 2025. 43% of Americans buy clothing online, the top eCommerce category. 32% is the average eCommerce revenue per user in the US in 2025. ## Looking to expand your eCommerce presence in the US? We’re here to help! For merchants aiming to succeed in the US market, here are the key insights into the country’s eCommerce and payments landscape you need to know:  ![White Arrow](https://resources.emerchantpay.com/hubfs/Market%20Guide%20-%20UK/White%20Arrow.png "White Arrow") The US is the second largest eCommerce market globally, generating USD 1.34 trillion in revenue, second only to China.  ![White Arrow](https://resources.emerchantpay.com/hubfs/Market%20Guide%20-%20UK/White%20Arrow.png "White Arrow") As the eCommerce revenue per American user is USD 4,648 in 2025, this number is expected to grow to USD 5,514 in 2029.   ![White Arrow](https://resources.emerchantpay.com/hubfs/Market%20Guide%20-%20UK/White%20Arrow.png "White Arrow") 68% of American consumers have made purchases directly through social media platforms, with Facebook, Instagram and TikTok being the most popular channels.   Expanding in the US is seamless with a trusted payment partner like emerchantpay. Our local knowledge and customised solutions support your entry and long-term success. For more data driven insights to inform your strategy, download our latest Global Payments Outlook. Google Pay is a trademark of Google LLC ![Looking to expand_US](https://resources.emerchantpay.com/hs-fs/hubfs/US%20market%20guide%202025/Looking%20to%20expand_US.png?width=699&height=652&name=Looking%20to%20expand_US.png "Looking to expand_US") [DOWNLOAD REPORT](https://resources.emerchantpay.com/download-payments-guide-2025-unitedstates?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  .