Market share of credit cards in total value of e-commerce and point of sale (POS) payments in North America in 2025, by country

Physical credit cards remained popular especially in Canada, making up roughly **** of total transactions paid for in stores in 2025. Canada and the United States both rank relatively high when it comes to credit card penetration in the world. This comes back in figures on what payment methods merchants offer. Canadian e-commerce vendors largely offered credit cards over newer payment methods, such as Apple Pay or buy now, pay later (BNPL). Mexico stands out in this overview as the source did not place the country under the region of North America - instead, it put it under Latin America. Compared to Canada and the United States, however, Mexico used credit cards far less often for in-store payments.