#PayWorldTour

How people pay in 48 markets in 2026: cards, cash, bank transfers, instant payments, BNPL and wallets, with figures, sources and the local providers to work with.

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Payment methods in Argentina
Latin America

Payment methods in Argentina

10

min read

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Updated

October 27, 2026

Argentina pays by transfer and QR. Banks and wallets sent 779 million instant transfers in August 2026, and QR payments rose 67.5% in a year. Credit cards in cuotas, Mercado Pago, MODO and cash networks such as Rapipago complete the picture.

payment-methods-in-argentina

Payment methods in Australia
Asia-Pacific

Payment methods in Australia

11

min read

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Updated

October 27, 2026

Australia is a tap-and-go card market. Cards made 73% of consumer payments in 2025 and about 40% of card payments were made with a phone or watch. Surcharges on eftpos, Visa and Mastercard ended in October 2026, and PayID and PayTo keep growing.

payment-methods-in-australia

Payment methods in the Baltic States
Europe

Payment methods in the Baltic States

9

min read

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Updated

October 27, 2026

Estonia, Latvia and Lithuania pay with cards, bank links and instant transfers. In February 2026, 79% of payments in Latvia were non-cash. Local players such as Montonio, Klix and ESTO shape checkout across the Baltic States.

payment-methods-in-baltics-states

Payment methods in the Benelux
Europe

Payment methods in the Benelux

12

min read

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Updated

October 28, 2026

The Benelux pays with local schemes. Dutch shoppers paid 72% of online purchases with iDEAL in Q1 2026, Bancontact handles more than 2.5 billion payments a year in Belgium, and Wero is replacing iDEAL and Payconiq through 2027.

payment-methods-in-benelux

Payment methods in Bolivia
Latin America

Payment methods in Bolivia

11

min read

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Updated

October 28, 2026

Bolivia moved from cash to QR in five years. Bolivians made 892 million interoperable QR payments in 2025, up 131%, and Yape counts 3.7 million users. Cards lost ground during the dollar shortage, while USDT found a place in daily payments.

payment-methods-in-bolivia

Payment methods in Brazil
Latin America

Payment methods in Brazil

11

min read

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Updated

October 28, 2026

Brazil runs on Pix and cards. Pix handled almost 80 billion transactions in 2025 and 42% of e-commerce value, while cards moved R$ 4.5 trillion. Parcelado installments, boleto and wallets such as Mercado Pago complete the 2026 mix.

payment-methods-in-brazil

Payment methods in Canada
North America

Payment methods in Canada

10

min read

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Updated

October 27, 2026

Canada pays with credit cards and Interac. Interac Debit handled 7 billion transactions and Interac e-Transfer 1.6 billion in 2025, while credit cards lead at the till. Cash, BNPL and mobile wallets complete the picture before the Real-Time Rail goes live.

payment-methods-in-canada

Payment methods in Chile
Latin America

Payment methods in Chile

10

min read

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Updated

October 27, 2026

Chile is a debit card country. Banks processed 4.6 billion debit card payments in 2025, and CuentaRUT reaches 15.5 million people. Bank transfers, prepaid cards, Mercado Pago and phone wallets are growing fast as Transbank loses its acquiring monopoly.

payment-methods-in-chile

Payment methods in China
Asia-Pacific

Payment methods in China

11

min read

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Updated

October 27, 2026

China pays by phone. CNNIC counted 1.017 billion online payment users at the end of 2025, and Alipay and WeChat Pay dominate checkout. UnionPay cards, bank transfers, the e-CNY, credit wallets such as Huabei and a protected role for cash complete the picture.

payment-methods-in-china

Payment methods in Colombia
Latin America

Payment methods in Colombia

11

min read

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Updated

October 27, 2026

Colombia is moving from cash to accounts fast. Bre-B, the central bank's instant payment system launched in 2025, reached about 240 million transactions a month in October 2026, next to PSE, cards with cuotas, Nequi and Efecty.

payment-methods-in-colombia

Payment methods in Czech Republic
Europe

Payment methods in Czech Republic

11

min read

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Updated

October 28, 2026

Czechs made 3.3 billion card payments in 2025, mostly contactless. Instant payments carry close to half of interbank transfers, QR Platba is spreading at the till, and cash on delivery and BNPL such as Skip Pay and Twisto shape online checkouts.

payment-methods-in-czech-republic

Payment methods in Ecuador
Latin America

Payment methods in Ecuador

12

min read

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Updated

October 28, 2026

Ecuador pays in US dollars and is moving from cash to phones. Banco Pichincha's Deuna wallet passed 6 million users and 620,000 merchants in April 2026, next to credit cards with diferidos, interbank transfers and cash agents.

payment-methods-in-ecuador

Payment methods in Egypt
Middle East & Africa

Payment methods in Egypt

10

min read

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Updated

October 27, 2026

Egypt is moving from cash to instant payments fast. InstaPay processed 1.47 billion transactions worth EGP 4.33 trillion in Q2 2026, while Fawry cash points, Meeza cards, telecom wallets such as Vodafone Cash and installment lenders like valU shape checkout.

payment-methods-in-egypt

Payment methods in France
Europe

Payment methods in France

11

min read

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Updated

October 28, 2026

Cards made 62.7% of non-cash payments in France in 2025, the Banque de France reported in 2026. The CB scheme leads in stores and online, instant transfers are surging, and Wero, which replaced Paylib, is reaching online checkouts.

payment-methods-in-france

Payment methods in Germany
Europe

Payment methods in Germany

10

min read

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Updated

October 27, 2026

In 2025, Germans paid without cash for 55% of everyday purchases for the first time, the Bundesbank found. Girocard rules in stores, PayPal and invoice lead online, and Wero is replacing giropay at checkout.

payment-methods-in-germany

Payment methods in Greece
Europe

Payment methods in Greece

11

min read

|

Updated

October 28, 2026

Greece pays by debit card and, more and more, by IRIS. The DIAS instant payment service handled 126.4 million payments in 2025 and is now accepted at every POS and e-shop. Cash, cash on delivery, PayPal and Klarna complete the picture.

payment-methods-in-greece

Payment methods in the Gulf Cooperation Council
Middle East & Africa

Payment methods in the Gulf Cooperation Council

12

min read

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Updated

October 27, 2026

The Gulf is going cashless fast. Electronic payments reached 85% of retail payments in Saudi Arabia in 2025, and each GCC state runs its own debit scheme and instant payment system, from mada and Aani to KNET, BenefitPay and Fawran, next to Apple Pay and BNPL.

payment-methods-in-gulf-cooperation-council

Payment methods in Hungary
Europe

Payment methods in Hungary

11

min read

|

Updated

October 28, 2026

Hungary is shifting from cash to cards and phones. Mobile wallets carried a quarter of card purchases in 2024, and the central bank's qvik instant payment brand reached 3.7 million transactions in Q1 2026. Cash on delivery and the SZÉP card still matter.

payment-methods-in-hungary

Payment methods in India
Asia-Pacific

Payment methods in India

12

min read

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Updated

October 28, 2026

India runs on UPI. The real-time system processed 24.5 billion payments in August 2026, according to the RBI, and PhonePe and Google Pay carry most of them. Cards, net banking, EMI and cash on delivery fill the rest of the checkout.

payment-methods-in-india

Payment methods in Indonesia
Asia-Pacific

Payment methods in Indonesia

10

min read

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Updated

October 27, 2026

Indonesia pays by QR code. QRIS reached 70.6 million users and 49.4 million merchants in Q3 2026, says Bank Indonesia. E-wallets, bank virtual accounts, BI-FAST transfers, convenience-store cash and fast-growing paylater complete the mix.

payment-methods-in-indonesia

Payment methods in Italy
Europe

Payment methods in Italy

11

min read

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Updated

October 27, 2026

Italy is still a cash country at the counter, yet digital payments reached €518 billion in 2025. A guide to BANCOMAT debit, Postepay, Satispay, BANCOMAT Pay, MyBank, pagoPA, Scalapay and the methods Italian shoppers expect in 2026.

payment-methods-in-italy

Payment methods in Japan
Asia-Pacific

Payment methods in Japan

10

min read

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Updated

October 27, 2026

Japan reached a 58.0% cashless ratio in 2025 and PayPay passed 75 million users in August 2026. Konbini payments, Pay-easy, post-payment invoices and JCB still shape checkout. A guide to the local methods that matter.

payment-methods-in-japan

Payment methods in Kenya
Middle East & Africa

Payment methods in Kenya

11

min read

|

Updated

October 28, 2026

Kenya pays by phone. M-PESA processed KSh 41.68 trillion in the year to March 2026 and holds 88.8% of mobile money accounts, while PesaLink connects banks instantly and cards stay a niche at KSh 297 billion of POS payments in 2025.

payment-methods-in-kenya

Payment methods in Malaysia
Asia-Pacific

Payment methods in Malaysia

10

min read

|

Updated

October 27, 2026

Malaysians made 18.4 billion e-payments in 2025, or 538 per person, according to Bank Negara Malaysia. DuitNow QR doubled to 3 billion transactions, while FPX, MyDebit, Touch 'n Go eWallet and fast-growing BNPL complete the picture.

payment-methods-in-malaysia

Payment methods in Mexico
Latin America

Payment methods in Mexico

11

min read

|

Updated

October 27, 2026

Mexico pays with debit cards, SPEI transfers and cash at OXXO. Cards handled 11.3 billion payments in 2025, SPEI is on track to overtake them in 2026, and Spin by OXXO reached 11.5 million active users in mid-2026. MSI and BNPL complete the mix.

payment-methods-in-mexico

Payment methods in Morocco
Middle East & Africa

Payment methods in Morocco

11

min read

|

Updated

October 27, 2026

Morocco still runs on cash: 513 billion dirhams were in circulation at the end of 2025. Card payments grew 20%, instant transfers 78% and mobile wallets reached 16.2 million accounts, while cash on delivery dominates e-commerce.

payment-methods-in-morocco

Payment methods in New Zealand
Asia-Pacific

Payment methods in New Zealand

11

min read

|

Updated

October 27, 2026

New Zealand is a card and contactless market. Visa and Mastercard now carry 3 in 4 payments, digital wallets lead online checkout, and open banking took off in 2026 with 550,000 payments in August alone. EFTPOS, POLi and Afterpay remain local staples.

payment-methods-in-new-zealand

Payment methods in Nigeria
Middle East & Africa

Payment methods in Nigeria

11

min read

|

Updated

October 27, 2026

Nigeria pays by transfer. Electronic payments reached N3.46 quadrillion in 2025 according to the CBN, driven by NIBSS instant transfers, POS agents and fintech wallets such as OPay, PalmPay and Moniepoint, with Verve and AfriGO cards alongside.

payment-methods-in-nigeria

Payment methods in the Nordics
Europe

Payment methods in the Nordics

12

min read

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Updated

October 28, 2026

Denmark, Sweden, Norway, Finland and Iceland are among the most cashless markets in the world. In a March 2026 survey, cash made up just 3% of payments in Norway. Swish, Vipps MobilePay, Trustly and Klarna shape the Nordic checkout.

payment-methods-in-the-nordics

Payment methods in Pakistan
Asia-Pacific

Payment methods in Pakistan

11

min read

|

Updated

October 27, 2026

Pakistan is going digital fast. Raast, the central bank's instant payment system, handled 742 million transactions in Q1 2026, and wallets like JazzCash and Easypaisa lead online. Cash on delivery still dominates e-commerce checkouts.

payment-methods-in-pakistan

Payment methods in Paraguay
Latin America

Payment methods in Paraguay

11

min read

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Updated

October 28, 2026

Paraguay pays by QR. Bancard processed a record 25 million QR payments in August 2026, about two in three digital payments. Debit cards lead card growth, SPI instant transfers by alias boom, and cash networks such as Aquí Pago still collect bills.

payment-methods-in-paraguay

Payment methods in Peru
Latin America

Payment methods in Peru

11

min read

|

Updated

October 28, 2026

Peru has moved from cash to phones in five years. Peruvian adults made 767 digital payments each in the 12 months to June 2026, and three in four of them were transfers to a phone number or QR code, led by Yape and Plin.

payment-methods-in-peru

Payment methods in the Philippines
Asia-Pacific

Payment methods in the Philippines

11

min read

|

Updated

October 27, 2026

The Philippines has crossed into digital. Digital payments made up 64.7% of retail payment volume in 2025, GCash counted 41.5 million monthly active users in Q2 2026, and QR Ph now beats cards. Cash on delivery and OTC payments still matter.

payment-methods-in-the-philippines

Payment methods in Poland
Europe

Payment methods in Poland

10

min read

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Updated

October 27, 2026

Poland runs on BLIK. The bank-owned mobile payment scheme processed 2.9 billion transactions in 2025, nearly half of them online. Pay-by-link gateways, contactless cards, instant transfers and local BNPL such as PayPo complete the picture.

payment-methods-in-poland

Payment methods in Portugal
Europe

Payment methods in Portugal

11

min read

|

Updated

October 28, 2026

Portugal pays with MB WAY and Multibanco. SIBS's MB WAY app passed 6.5 million users in 2025, while instant transfers jumped to 322.8 million. Cards, Multibanco references, direct debits and a young BNPL market complete the picture.

payment-methods-in-portugal

Payment methods in Romania
Europe

Payment methods in Romania

11

min read

|

Updated

October 28, 2026

Romania pays by card in stores but still loves cash on delivery online. 28.6 million cards were active at the end of 2025, instant transfers reached 215.6 million, and RoPay, installments and Revolut are reshaping checkout in 2026.

payment-methods-in-romania

Payment methods in Singapore
Asia-Pacific

Payment methods in Singapore

12

min read

|

Updated

October 27, 2026

Singapore runs on cards and PayNow. Consumers and businesses paid S$301 billion through PayNow in 2025, per MAS and ABS, while NETS, SGQR+ QR codes, GrabPay, ShopeePay and Atome BNPL complete a cash-lite market.

payment-methods-in-singapore

Payment methods in South Africa
Middle East & Africa

Payment methods in South Africa

10

min read

|

Updated

October 27, 2026

South Africa in 2026: cash made over half of payments in the SARB's 2023 study, but 57.5% of digitally active shoppers tried Apple Pay, Google Pay or Samsung Pay last year. PayShap, Capitec Pay, BNPL and cash vouchers complete the local checkout.

payment-methods-in-south-africa

Payment methods in South Korea
Asia-Pacific

Payment methods in South Korea

11

min read

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Updated

October 27, 2026

South Korea pays by card and by app. Koreans spent 3.6 trillion won a day on payment cards in 2025, and simple payment apps such as Naver Pay, Kakao Pay, Samsung Wallet and Toss Pay handled 1.23 trillion won a day in the first half of 2026.

payment-methods-in-south-korea

Payment methods in Spain
Europe

Payment methods in Spain

10

min read

|

Updated

October 28, 2026

Spain pays with cards and Bizum. Bizum reached 32.5 million users in October 2026 and now works at 1.7 million store checkouts, while instant transfers hit 1.56 billion in 2025. Cash still leads at the till, and BNPL is growing.

payment-methods-in-spain

Payment methods in Switzerland
Europe

Payment methods in Switzerland

10

min read

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Updated

October 27, 2026

Switzerland pays by phone, card and invoice. TWINT processed 901 million transactions in 2025, and mobile devices now carry 34.5% of all payments. Debit cards, cash, eBill, QR-bills and purchase on invoice complete the Swiss checkout.

payment-methods-in-switzerland

Payment methods in Thailand
Asia-Pacific

Payment methods in Thailand

11

min read

|

Updated

October 27, 2026

Thailand pays by phone. PromptPay counted over 82 million registrations and 2.38 billion transactions in December 2025 alone. Banking apps, Thai QR, TrueMoney, 7-Eleven counters and fast-growing BNPL complete the picture.

payment-methods-in-thailand

Payment methods in Turkey
Europe

Payment methods in Turkey

10

min read

|

Updated

October 27, 2026

Turkey pays by credit card, often in installments. Turks held 471.7 million payment cards in June 2026, and the FAST instant system handled 5.4 billion transfers in 2025. Local wallets fill the gap left by PayPal, Apple Pay and Google Pay.

payment-methods-in-turkey

Payment methods in the United Kingdom
Europe

Payment methods in the United Kingdom

12

min read

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Updated

October 27, 2026

The UK runs on debit cards, which carried 54% of the country's 49.7 billion payments in 2025. Faster Payments, Bacs Direct Debit and open banking power account-to-account flows, while BNPL entered FCA regulation in July 2026.

payment-methods-in-united-kingdom

Payment methods in the United States
North America

Payment methods in the United States

11

min read

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Updated

October 27, 2026

The US is a card-first market with a rewards habit. Consumers made 16 credit and 15 debit card payments a month in 2025, while ACH moved 35.2 billion payments. Zelle, RTP, FedNow, wallets and BNPL complete the picture.

payment-methods-in-united-states

Payment methods in Venezuela
Latin America

Payment methods in Venezuela

12

min read

|

Updated

October 28, 2026

Venezuela pays mostly in bolívares again, and mostly by phone. Pago Móvil reached 8,500 operations per minute in June 2026, next to domestic debit cards, dollar cash, Zelle, USDT and the Cashea BNPL app.

payment-methods-in-venezuela

Payment methods in Vietnam
Asia-Pacific

Payment methods in Vietnam

11

min read

|

Updated

October 27, 2026

Vietnam is going cashless fast. Non-cash payments were worth about 28 times GDP in 2025, driven by VietQR bank transfers, Napas cards and wallets such as MoMo, while cash on delivery and BNPL still shape e-commerce checkouts.

payment-methods-in-vietnam

Payment methods in the Western Balkans
Europe

Payment methods in the Western Balkans

12

min read

|

Updated

October 28, 2026

Six markets, five currencies and fast-moving rails. Serbia's IPS system set a record of 611,415 instant payments on one day in October 2026, while Montenegro and Bosnia and Herzegovina went live on instant payments in July 2026.

payment-methods-in-western-balkans

What is #PayWorldTour?

In short

  • 48markets and regions, from Argentina to Vietnam
  • 5payment families per guide: cards, cash, bank transfers, BNPL, wallets
  • A–Zcountries listed in alphabetical order

#PayWorldTour is NORBr’s country-by-country guide to how people really pay.

It covers 48 markets and regions, from Argentina to Vietnam, including the Nordics, the Baltic States, Benelux and the Gulf Cooperation Council. Every guide follows the same structure, so markets are easy to compare: card payments and the local card schemes, cash, bank transfers and real-time payments, buy now pay later (BNPL), and mobile wallets such as Apple Pay, Google Pay and local xPay solutions.

The guides are written for payment professionals who build or run payment platforms: PSPs, payment facilitators (PayFacs), ISOs and ISVs. They help you decide which local methods to add before entering a new market and how to localize checkout to lift conversion. Use the search bar above to jump straight to a market, or type a payment method such as BLIK, TWINT, Pix or Klarna to find every guide that covers it.

To go further, #PayDecoding explains the payment terms used in these guides, and Insights & Blog analyses the trends behind them. NORBr’s white-label payment infrastructure connects you to these local payment methods through a single integration.

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