United States

mkt_us
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ACH collections, card purchases, wires and instant transfers serve different US payment needs, with FedNow and RTP adding real-time account routes. These systems operate alongside digital wallets in a US-dollar economy of 342 million residents and US$90,000 GDP per capita in 2025.

Alpha-3:USA
NUM:840
Population
342M
GDP
$30.8T
GDP per Capita
$90K
GDP Growth
2.2%
Deepdive

World Bank, World Development Indicators (WDI), 2025

Cash in United States

The use of physical cash held steady at 14% of US consumer payments by number in 2025. Cards dominate, but banknotes remain especially important for lower-income and rural households and as a widely held backup payment option.

ATMs (PER 100K)
170.8
BANKS (PER 100K)
25.4
DEBIT CARDS (PER ADULT)
1.9
CREDIT CARDS (PER ADULT)
0.9
Compare

IMF, Financial Access Survey (FAS), 2025

Payment Methods

Estimated Monthly Usage, Aurato Research, October 2026

Schemes

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Systems

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PSPs

Compliance

Standards