{
  "name": "PaymentSolutions.app official-source payments statistics",
  "version": "1.0",
  "curatedOn": "2026-11-04",
  "methodology": "Each metric has an original publisher, definition, reporting period, geography and interpretation caveat. Not live network data.",
  "metrics": [
    {
      "id": "us-same-day-ach-q1-2026",
      "value": "403 million",
      "number": 403,
      "unit": "Same Day ACH payments",
      "period": "January–March 2026",
      "geography": "United States",
      "category": "ACH & bank payments",
      "publisher": "Nacha",
      "source": "https://www.nacha.org/news/same-day-ach-gains-lead-first-quarter-ach-network-growth",
      "published": "2026-04-20",
      "cadence": "Quarterly",
      "definition": "Same Day ACH payments processed during Q1 2026, as reported by Nacha.",
      "interpretation": "Quarterly ACH same-day network volume; not an estimate of instant ecommerce payment checkout, and does not itself establish 24/7 availability."
    },
    {
      "id": "us-ach-q3-2026-volume",
      "value": "9.3 billion",
      "number": 9.3,
      "unit": "ACH payments",
      "period": "July–September 2026",
      "geography": "United States",
      "category": "ACH & bank payments",
      "publisher": "Nacha",
      "source": "https://www.nacha.org/news/same-day-ach-growth-propels-ach-network-forward-third-quarter-2026",
      "published": "2026-10-20",
      "cadence": "Quarterly",
      "definition": "Total ACH Network payments processed in Q3 2026.",
      "interpretation": "Quarterly network total, inclusive of many uses outside ecommerce; do not compare directly with annual statistics without period alignment."
    },
    {
      "id": "us-ach-q3-2026-value",
      "value": "$25.6 trillion",
      "number": 25.6,
      "unit": "USD transferred",
      "period": "July–September 2026",
      "geography": "United States",
      "category": "ACH & bank payments",
      "publisher": "Nacha",
      "source": "https://www.nacha.org/news/same-day-ach-growth-propels-ach-network-forward-third-quarter-2026",
      "published": "2026-10-20",
      "cadence": "Quarterly",
      "definition": "Total dollar value of ACH payments during Q3 2026, as reported by Nacha.",
      "interpretation": "Payment-value flows include payroll, B2B and transfers; they are not processor revenues."
    },
    {
      "id": "us-same-day-ach-q3-2026",
      "value": "470.4 million",
      "number": 470.4,
      "unit": "Same Day ACH payments",
      "period": "July–September 2026",
      "geography": "United States",
      "category": "ACH & bank payments",
      "publisher": "Nacha",
      "source": "https://www.nacha.org/news/same-day-ach-growth-propels-ach-network-forward-third-quarter-2026",
      "published": "2026-10-20",
      "cadence": "Quarterly",
      "definition": "Same Day ACH volume processed during Q3 2026.",
      "interpretation": "Same-day processing does not mean instant finality or 24/7 access for every merchant."
    },
    {
      "id": "us-same-day-ach-q3-2026-value",
      "value": "$1.3 trillion",
      "number": 1.3,
      "unit": "USD transferred on Same Day ACH",
      "period": "July–September 2026",
      "geography": "United States",
      "category": "ACH & bank payments",
      "publisher": "Nacha",
      "source": "https://www.nacha.org/news/same-day-ach-growth-propels-ach-network-forward-third-quarter-2026",
      "published": "2026-10-20",
      "cadence": "Quarterly",
      "definition": "Dollar value processed by Same Day ACH during Q3 2026.",
      "interpretation": "Underlying bank payment value, not net merchant revenue."
    },
    {
      "id": "us-ach-q2-2026-volume",
      "value": "9.3 billion",
      "number": 9.3,
      "unit": "ACH payments",
      "period": "April–June 2026",
      "geography": "United States",
      "category": "ACH & bank payments",
      "publisher": "Nacha",
      "source": "https://www.nacha.org/news/large-gains-same-day-ach-help-drive-ach-network-second-quarter-2026",
      "published": "2026-07-30",
      "cadence": "Quarterly",
      "definition": "Total ACH Network payment volume in Q2 2026.",
      "interpretation": "Rounded quarterly total; not a count of unique payers or checkouts."
    },
    {
      "id": "us-same-day-ach-q2-2026",
      "value": "435.7 million",
      "number": 435.7,
      "unit": "Same Day ACH payments",
      "period": "April–June 2026",
      "geography": "United States",
      "category": "ACH & bank payments",
      "publisher": "Nacha",
      "source": "https://www.nacha.org/news/large-gains-same-day-ach-help-drive-ach-network-second-quarter-2026",
      "published": "2026-07-30",
      "cadence": "Quarterly",
      "definition": "Same Day ACH payment count during Q2 2026.",
      "interpretation": "Do not treat a same-day ACH transaction as guaranteed instant checkout confirmation."
    },
    {
      "id": "us-ach-q1-2026-volume",
      "value": "8.9 billion",
      "number": 8.9,
      "unit": "ACH payments",
      "period": "January–March 2026",
      "geography": "United States",
      "category": "ACH & bank payments",
      "publisher": "Nacha",
      "source": "https://www.nacha.org/news/same-day-ach-gains-lead-first-quarter-ach-network-growth",
      "published": "2026-04-20",
      "cadence": "Quarterly",
      "definition": "Total ACH Network payment volume in Q1 2026.",
      "interpretation": "The total includes payroll, bill pay and many commercial transactions outside retail checkout."
    },
    {
      "id": "euro-area-card-payments-h2-2025",
      "value": "47.8 billion",
      "number": 47.8,
      "unit": "card payments",
      "period": "July–December 2025",
      "geography": "Euro area",
      "category": "Cards & non-cash payments",
      "publisher": "European Central Bank",
      "source": "https://www.ecb.europa.eu/press/stats/paysec/html/ecb.pis2025h2~23986fb4a6.en.html",
      "published": "2026-07-22",
      "cadence": "Semiannual",
      "definition": "ECB-reported card payment transaction count for euro area H2 2025.",
      "interpretation": "Includes physical and remote card payments; does not mean ecommerce transactions."
    },
    {
      "id": "euro-area-card-value-h2-2025",
      "value": "€1.8 trillion",
      "number": 1.8,
      "unit": "EUR card payment value",
      "period": "July–December 2025",
      "geography": "Euro area",
      "category": "Cards & non-cash payments",
      "publisher": "European Central Bank",
      "source": "https://www.ecb.europa.eu/press/stats/paysec/html/ecb.pis2025h2~23986fb4a6.en.html",
      "published": "2026-07-22",
      "cadence": "Semiannual",
      "definition": "Value of euro area card payments during H2 2025.",
      "interpretation": "A transaction value figure rather than payment network or acquirer revenue."
    },
    {
      "id": "euro-area-remote-card-share-h2-2025",
      "value": "19%",
      "number": 19,
      "unit": "remote share of card count",
      "period": "July–December 2025",
      "geography": "Euro area",
      "category": "Cards & non-cash payments",
      "publisher": "European Central Bank",
      "source": "https://www.ecb.europa.eu/press/stats/paysec/html/ecb.pis2025h2~23986fb4a6.en.html",
      "published": "2026-07-22",
      "cadence": "Semiannual",
      "definition": "Share of card payment transaction count initiated remotely, versus non-remote, in the euro area H2 2025.",
      "interpretation": "Remote includes diverse distance-initiated payments; percentage is of card transaction count, not of all purchases or transaction value."
    },
    {
      "id": "euro-area-credit-transfers-h2-2025",
      "value": "17.8 billion",
      "number": 17.8,
      "unit": "credit transfers",
      "period": "July–December 2025",
      "geography": "Euro area",
      "category": "ACH & bank payments",
      "publisher": "European Central Bank",
      "source": "https://www.ecb.europa.eu/press/stats/paysec/html/ecb.pis2025h2~23986fb4a6.en.html",
      "published": "2026-07-22",
      "cadence": "Semiannual",
      "definition": "ECB-reported credit transfers, including SEPA instant credit transfers, within the euro area during H2 2025.",
      "interpretation": "Credit transfers are not all merchant pay-by-bank checkout."
    },
    {
      "id": "euro-area-cards-in-circulation-h2-2025",
      "value": "872.7 million",
      "number": 872.7,
      "unit": "payment cards",
      "period": "End of December 2025",
      "geography": "Euro area",
      "category": "Financial access",
      "publisher": "European Central Bank",
      "source": "https://www.ecb.europa.eu/press/stats/paysec/html/ecb.pis2025h2~23986fb4a6.en.html",
      "published": "2026-07-22",
      "cadence": "Semiannual",
      "definition": "Number of cards with a payment function in the euro area at end-H2 2025.",
      "interpretation": "Cards, not unique cardholders; e-money-only cards are excluded."
    },
    {
      "id": "euro-area-pos-terminals-h2-2025",
      "value": "25.7 million",
      "number": 25.7,
      "unit": "POS terminals",
      "period": "End of December 2025",
      "geography": "Euro area",
      "category": "Merchant acceptance",
      "publisher": "European Central Bank",
      "source": "https://www.ecb.europa.eu/press/stats/paysec/html/ecb.pis2025h2~23986fb4a6.en.html",
      "published": "2026-07-22",
      "cadence": "Semiannual",
      "definition": "Approximate point-of-sale terminals reported for euro area at end-H2 2025.",
      "interpretation": "ECB warns terminal counts may double-count devices with multiple acquirers; not a count of independent merchants."
    },
    {
      "id": "india-upi-oct-2026-live-banks",
      "value": "758",
      "number": 758,
      "unit": "banks live on UPI",
      "period": "October 2026",
      "geography": "India",
      "category": "Instant payments & local rails",
      "publisher": "NPCI",
      "source": "https://www.npci.org.in/product/upi/product-statistics",
      "published": "2026-11-04",
      "cadence": "Monthly",
      "definition": "NPCI monthly table number of banks live on UPI for October 2026.",
      "interpretation": "Counts live banks, not eligible payment aggregators, merchants or international accepting entities."
    },
    {
      "id": "mobile-money-merchant-growth-2025",
      "value": "+42%",
      "number": 42,
      "unit": "year-on-year merchant-payment value",
      "period": "2024–2025",
      "geography": "Global",
      "category": "Mobile money & wallets",
      "publisher": "GSMA",
      "source": "https://www.gsma.com/sotir/",
      "published": "2026-03-24",
      "cadence": "Annual",
      "definition": "GSMA reports value of mobile money merchant payments rose from $109 billion in 2024 to $155 billion in 2025, about 42% growth.",
      "interpretation": "Global mobile-money merchant transaction estimate; not overall ecommerce market growth."
    },
    {
      "id": "world-bank-findex-economies-2025",
      "value": "141",
      "number": 141,
      "unit": "economies surveyed",
      "period": "2024 survey / 2025 edition",
      "geography": "Global",
      "category": "Financial access",
      "publisher": "World Bank",
      "source": "https://www.worldbank.org/en/publication/globalfindex/report",
      "published": "2025-07-16",
      "cadence": "Periodic",
      "definition": "Nationally representative survey coverage for the Global Findex 2025 edition.",
      "interpretation": "Surveyed economies are not equivalent to all countries, merchant payment service providers or financial institutions."
    },
    {
      "id": "us-ach-2025-internet",
      "value": "11.41 billion",
      "number": 11.41,
      "unit": "internet-initiated ACH payments",
      "period": "Calendar year 2025",
      "geography": "United States",
      "category": "ACH & bank payments",
      "publisher": "Nacha",
      "source": "https://www.nacha.org/content/ach-network-volume-and-value-statistics",
      "published": "2026-01-29",
      "cadence": "Annual",
      "definition": "Nacha-reported 2025 internet-initiated ACH payments.",
      "interpretation": "An internet ACH origination includes many uses beyond ecommerce orders; never equate directly to payment page checkouts."
    },
    {
      "id": "us-ach-volume-2025",
      "value": "35.2 billion",
      "number": 35.2,
      "unit": "payments",
      "period": "Calendar year 2025",
      "geography": "United States",
      "category": "ACH & bank payments",
      "publisher": "Nacha",
      "source": "https://www.nacha.org/news/same-day-ach-and-business-business-payments-propel-ach-network-volume-growth-2025",
      "published": "2026-01-29",
      "cadence": "Annual",
      "definition": "Originated payments processed on the US ACH Network in 2025, excluding off-network/on-us ACH.",
      "interpretation": "A network-wide payments total, including payroll and B2B transfers, not US ecommerce transactions or merchant checkout conversions."
    },
    {
      "id": "us-ach-value-2025",
      "value": "$93 trillion",
      "number": 93,
      "unit": "USD transferred",
      "period": "Calendar year 2025",
      "geography": "United States",
      "category": "ACH & bank payments",
      "publisher": "Nacha",
      "source": "https://www.nacha.org/news/same-day-ach-and-business-business-payments-propel-ach-network-volume-growth-2025",
      "published": "2026-01-29",
      "cadence": "Annual",
      "definition": "Value of payments originated on the ACH Network in 2025.",
      "interpretation": "Includes B2B and consumer transfers; do not equate with card purchase volume, GDP or ecommerce sales."
    },
    {
      "id": "us-same-day-ach-2025",
      "value": "1.45 billion",
      "number": 1.45,
      "unit": "payments",
      "period": "Calendar year 2025",
      "geography": "United States",
      "category": "ACH & bank payments",
      "publisher": "Nacha",
      "source": "https://www.nacha.org/content/ach-network-volume-and-value-statistics",
      "published": "2026-01-29",
      "cadence": "Annual",
      "definition": "Same Day ACH payments processed on the ACH Network in 2025.",
      "interpretation": "Same Day ACH is an ACH service, not a promise of same-second funds or immediate merchant checkout."
    },
    {
      "id": "us-ach-b2b-2025",
      "value": "8.08 billion",
      "number": 8.08,
      "unit": "B2B payments",
      "period": "Calendar year 2025",
      "geography": "United States",
      "category": "B2B & treasury",
      "publisher": "Nacha",
      "source": "https://www.nacha.org/content/ach-network-volume-and-value-statistics",
      "published": "2026-01-29",
      "cadence": "Annual",
      "definition": "B2B transactions on the ACH Network for 2025.",
      "interpretation": "Business-originated payments, not a count of distinct businesses, merchants or retail checkouts."
    },
    {
      "id": "india-upi-oct-2026",
      "value": "25.47 billion",
      "number": 25.4667,
      "unit": "transactions",
      "period": "October 2026",
      "geography": "India",
      "category": "Instant payments & local rails",
      "publisher": "NPCI",
      "source": "https://www.npci.org.in/product/upi/product-statistics",
      "published": "2026-11-04",
      "cadence": "Monthly",
      "definition": "October 2026 UPI monthly volume: 25,466.70 million transactions, reported by the National Payments Corporation of India.",
      "interpretation": "UPI network transaction volume, not a measure of ecommerce usage, merchant adoption or foreign-merchant acceptance."
    },
    {
      "id": "india-upi-oct-2026-value",
      "value": "₹31.53 trillion",
      "number": 31.5292946,
      "unit": "INR transferred",
      "period": "October 2026",
      "geography": "India",
      "category": "Instant payments & local rails",
      "publisher": "NPCI",
      "source": "https://www.npci.org.in/product/upi/product-statistics",
      "published": "2026-11-04",
      "cadence": "Monthly",
      "definition": "NPCI reports October 2026 UPI transaction value of 31,52,929.46 crore rupees.",
      "interpretation": "Network-wide transfer value, not payment-processing revenue or online retail sales."
    },
    {
      "id": "euro-area-noncash-h2-2025",
      "value": "83.5 billion",
      "number": 83.5,
      "unit": "non-cash payments",
      "period": "July–December 2025",
      "geography": "Euro area",
      "category": "Cards & non-cash payments",
      "publisher": "European Central Bank",
      "source": "https://www.ecb.europa.eu/press/stats/paysec/html/ecb.pis2025h2~23986fb4a6.en.html",
      "published": "2026-07-22",
      "cadence": "Semiannual",
      "definition": "Number of non-cash payments in euro area during the second half of 2025.",
      "interpretation": "Includes card payments, credit transfers, direct debits and e-money. Not a merchant-only measure."
    },
    {
      "id": "euro-area-card-share-h2-2025",
      "value": "57%",
      "number": 57,
      "unit": "of non-cash payment count",
      "period": "July–December 2025",
      "geography": "Euro area",
      "category": "Cards & non-cash payments",
      "publisher": "European Central Bank",
      "source": "https://www.ecb.europa.eu/press/stats/paysec/html/ecb.pis2025h2~23986fb4a6.en.html",
      "published": "2026-07-22",
      "cadence": "Semiannual",
      "definition": "Card payments' share of total non-cash payment count in euro area H2 2025.",
      "interpretation": "Transaction-count share, not the share of payment value or the share of ecommerce checkout."
    },
    {
      "id": "euro-area-contactless-h2-2025",
      "value": "32.9 billion",
      "number": 32.9,
      "unit": "contactless card payments",
      "period": "July–December 2025",
      "geography": "Euro area",
      "category": "Cards & non-cash payments",
      "publisher": "European Central Bank",
      "source": "https://www.ecb.europa.eu/press/stats/paysec/html/ecb.pis2025h2~23986fb4a6.en.html",
      "published": "2026-07-22",
      "cadence": "Semiannual",
      "definition": "Number of contactless card payments in euro area during H2 2025.",
      "interpretation": "Includes transactions at physical points of sale; not a proxy for online mobile-wallet checkout."
    },
    {
      "id": "global-mobile-money-2025",
      "value": "$2.1 trillion",
      "number": 2.1,
      "unit": "USD transacted",
      "period": "Calendar year 2025",
      "geography": "Global",
      "category": "Mobile money & wallets",
      "publisher": "GSMA",
      "source": "https://www.gsma.com/sotir/",
      "published": "2026-04-01",
      "cadence": "Annual",
      "definition": "Global mobile money transaction value in 2025 as reported in GSMA State of the Industry Report on Mobile Money 2026.",
      "interpretation": "Includes multiple mobile money use cases; not equivalent to merchant payment volume or card payments."
    },
    {
      "id": "global-mobile-money-merchants-2025",
      "value": "$155 billion",
      "number": 155,
      "unit": "USD merchant payments",
      "period": "Calendar year 2025",
      "geography": "Global",
      "category": "Mobile money & wallets",
      "publisher": "GSMA",
      "source": "https://www.gsma.com/sotir/",
      "published": "2026-04-01",
      "cadence": "Annual",
      "definition": "Value of mobile money merchant payments in 2025, drawn from GSMA supply-side survey and estimates.",
      "interpretation": "Merchant-specific mobile-money estimate, distinct from the total $2.1 trillion in mobile-money flows."
    },
    {
      "id": "global-mobile-money-accounts-2025",
      "value": "2.3 billion",
      "number": 2.3,
      "unit": "registered accounts",
      "period": "Calendar year 2025",
      "geography": "Global",
      "category": "Financial access",
      "publisher": "GSMA",
      "source": "https://www.gsma.com/sotir/",
      "published": "2026-04-01",
      "cadence": "Annual",
      "definition": "Registered mobile money accounts worldwide in 2025, per GSMA's 2026 report.",
      "interpretation": "Accounts are not unique people or active monthly users, and figures are not all bank accounts."
    },
    {
      "id": "global-mobile-money-active-2025",
      "value": "593 million",
      "number": 593,
      "unit": "active accounts (30-day)",
      "period": "Calendar year 2025",
      "geography": "Global",
      "category": "Financial access",
      "publisher": "GSMA",
      "source": "https://www.gsma.com/sotir/",
      "published": "2026-04-01",
      "cadence": "Annual",
      "definition": "GSMA-reported 30-day active mobile money accounts in 2025.",
      "interpretation": "Active accounts rather than distinct individuals; distinguish from registered accounts."
    },
    {
      "id": "global-findex-2025-survey",
      "value": "148,000",
      "number": 148000,
      "unit": "adults surveyed",
      "period": "2024 survey / 2025 edition",
      "geography": "Global",
      "category": "Financial access",
      "publisher": "World Bank",
      "source": "https://www.worldbank.org/en/publication/globalfindex/report",
      "published": "2025-07-16",
      "cadence": "Periodic",
      "definition": "Approximate nationally representative adult respondents for the 2025 Findex edition, covering 141 economies.",
      "interpretation": "Survey sample size, not a payments volume or worldwide adult population estimate."
    }
  ]
}