{"id":1129521,"date":"2026-08-04T09:01:12","date_gmt":"2026-08-04T09:01:12","guid":{"rendered":"https:\/\/www.europesays.com\/uk\/1129521\/"},"modified":"2026-08-04T09:01:12","modified_gmt":"2026-08-04T09:01:12","slug":"digital-wallets-reach-more-than-1-in-10-in-store-payments","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/uk\/1129521\/","title":{"rendered":"Digital Wallets Reach More Than 1 in 10 In-Store Payments"},"content":{"rendered":"<p style=\"font-weight: 400;\">Digital wallets are no longer simply changing how consumers present a payment at checkout.\u00a0They\u2019re\u00a0also beginning to change where the money comes from.<\/p>\n<p style=\"font-weight: 400;\">That shift stands out in\u202f\u201c<a href=\"https:\/\/www.pymnts.com\/wp-content\/uploads\/2025\/10\/PYMNTS-Apple-Pay-@11-October-2025.pdf\" rel=\"nofollow noopener\" target=\"_blank\">Apple Pay @11: Usage Is Up, but Competitors Are Gaining Ground,<\/a>\u201d\u202fa PYMNTS Intelligence report based on a survey of 3,339 U.S. consumers.<\/p>\n<p style=\"font-weight: 400;\">The findings show that mobile wallet use is rising in stores and online, while Apple Pay\u2019s rivals are also attracting more users. More than 3 in 10 consumers used a mobile wallet in a store during the previous week, more than double the share reported in 2024. The report also finds that consumers increasingly fund wallet purchases with balances held directly inside digital platforms.<\/p>\n<p style=\"font-weight: 400;\">\u00a0Three figures illustrate how rapidly the payment mix is changing:<\/p>\n<ul style=\"font-weight: 400;\">\n<li>11.8%\u202fof consumers used a digital wallet for their most recent in-store purchase in 2025. That share stood at just 0.9% in 2022.<\/li>\n<\/ul>\n<ul style=\"font-weight: 400;\">\n<li>12.1%\u202fused cash for their most recent store purchase, down from 17.6% three years earlier. Digital wallets now trail cash by only 0.3 percentage points.<\/li>\n<\/ul>\n<ul style=\"font-weight: 400;\">\n<li>3.7%\u202fpaid for their latest in-store wallet purchase using a stored wallet balance, up from 1% in 2023. That\u00a0represents\u00a0a 270% increase.<\/li>\n<\/ul>\n<p style=\"font-weight: 400;\">The movement toward stored balances\u00a0gives\u00a0digital wallets a broader role in the payment process. A wallet that once acted\u00a0mainly as\u00a0a digital sleeve for a physical card can increasingly function like a small account of its own. The change could help providers create a smoother checkout experience while giving consumers another way to organize funds and make purchases.<\/p>\n<p style=\"font-weight: 400;\">Traditional cards\u00a0remain\u00a0central to that system. Debit cards were the largest underlying funding source for consumers\u2019 latest in-store wallet transactions, at 4.1%, followed closely by wallet balances, at 3.7%. Credit cards accounted for 2.5%, while bank transfers and other methods remained below 1%.<\/p>\n<p style=\"font-weight: 400;\">The broader report shows that wallets are expanding alongside established payment methods rather than replacing them outright. Debit represented 46.3% of consumers\u2019 latest in-store transactions in 2025 and credit accounted for 31.7%. Cash or stored balances represented 15.9%. That mix suggests digital wallets can gain ground while keeping banks and card issuers\u00a0firmly connected\u00a0to the purchase.<\/p>\n","protected":false},"excerpt":{"rendered":"Digital wallets are no longer simply changing how consumers present a payment at checkout.\u00a0They\u2019re\u00a0also beginning to change where&hellip;\n","protected":false},"author":2,"featured_media":1129522,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[3159],"tags":[23870,79249,3523,3525,547,12,3529,3279,14047,53,16,15],"class_list":["post-1129521","post","type-post","status-publish","format-standard","has-post-thumbnail","category-mobile","tag-apple-pay","tag-data-brief","tag-digital-wallets","tag-featured-news","tag-mobile","tag-news","tag-pymnts-intelligence","tag-pymnts-news","tag-pymnts-study","tag-technology","tag-uk","tag-united-kingdom"],"share_on_mastodon":{"url":"","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/posts\/1129521","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/comments?post=1129521"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/posts\/1129521\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/media\/1129522"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/media?parent=1129521"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/categories?post=1129521"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/tags?post=1129521"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}