Consumer-based credit card transactions were worth about one-third of North America's total payments revenue in 2022, having increased by 33 percent. The source compares the region to the world overall: Commercial made up 53 percent of global payments revenue, compared to 47 percent for consumer payments in the same year. This distribution was more pronounced in North America, with consumer-driven payments making up 61 percent of overall revenue, whereas commercial payments reached 39 percent. The source calls North America very much card-driven, possibly due to the importance of credit cards in the United States in POS and e-commerce.
Total payments revenue in North America from 2014 to 2022, by customer segment and product delivered
(in billion U.S. dollars)
Characteristic
Commercial: Credit cards
Commercial: Net interest income on current accounts and overdrafts
Commercial: Fee revenues on domestic payment transactions and account maintenance (excluding credit cards)
Commercial: Cross-border payment services (B2B, B2C) and documentary trade finance
Consumer: Credit cards
Consumer: Fee revenues on domestic payment transactions and account maintenance (excluding credit cards)
Consumer: Net interest income on current accounts and overdrafts
Consumer: Remittance services and C2B cross-border payment services
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Statista, & McKinsey & Company. (September 18, 2023). Total payments revenue in North America from 2014 to 2022, by customer segment and product delivered (in billion U.S. dollars) [Graph]. In Statista. Retrieved July 15, 2024, from https://www.statista.com/statistics/1418651/north-america-payments-revenue-by-segment-and-type/
Statista, und McKinsey & Company. "Total payments revenue in North America from 2014 to 2022, by customer segment and product delivered (in billion U.S. dollars)." Chart. September 18, 2023. Statista. Accessed July 15, 2024. https://www.statista.com/statistics/1418651/north-america-payments-revenue-by-segment-and-type/
Statista, McKinsey & Company. (2023). Total payments revenue in North America from 2014 to 2022, by customer segment and product delivered (in billion U.S. dollars). Statista. Statista Inc.. Accessed: July 15, 2024. https://www.statista.com/statistics/1418651/north-america-payments-revenue-by-segment-and-type/
Statista, and McKinsey & Company. "Total Payments Revenue in North America from 2014 to 2022, by Customer Segment and Product Delivered (in Billion U.S. Dollars)." Statista, Statista Inc., 18 Sep 2023, https://www.statista.com/statistics/1418651/north-america-payments-revenue-by-segment-and-type/
Statista & McKinsey & Company, Total payments revenue in North America from 2014 to 2022, by customer segment and product delivered (in billion U.S. dollars) Statista, https://www.statista.com/statistics/1418651/north-america-payments-revenue-by-segment-and-type/ (last visited July 15, 2024)
Total payments revenue in North America from 2014 to 2022, by customer segment and product delivered (in billion U.S. dollars) [Graph], Statista, & McKinsey & Company, September 18, 2023. [Online]. Available: https://www.statista.com/statistics/1418651/north-america-payments-revenue-by-segment-and-type/
