In financial services, its parent, Fiserv, Inc., uses the Clover platform as a driver for its merchant solutions strategy, helping banks and service providers expand their reach. Read on to explore detailed statistics around Clover’s employee numbers, growth, and workforce trends.

How Many People Work At Clover?

• Clover is reported to have approximately 1,285 total employees as of 2025.
• Clover is part of Fiserv’s merchant solutions division, and the Clover unit is expected to generate roughly $3.5 billion in revenue in 2025.
• For the parent company, Fiserv reported the Clover unit growth rate at about 27% year over year in early 2025.
• The headquarters for Clover is in Sunnyvale, California, at 415 N. Mathilda Ave.
• Clover Network operates across 6 continents, with employee locations spanning North America, South America, Europe, Asia, Africa, and Australia.

Recent Developments

• Fiserv reaffirmed that the Clover unit is on track to deliver about $3.5 billion in revenue in 2025, despite a slowdown in payment volume growth.
• The Clover platform expanded into Australia in 2025, operating in 11 countries and supporting about 4 million point of sale devices globally.
• In April 2025, Fiserv announced a new fintech hub in Overland Park, Kansas, expected to draw up to 2,000 new jobs, related to merchant and payments operations, including Clover adjacent roles.
• Fiserv’s guidance for the Clover unit now implies more emphasis on “quality” merchants rather than sheer device volume, a strategic shift that may impact hiring and staffing.

Restaurant Investment in POS Systems

• 52% of restaurants plan to invest in upgrading or implementing POS systems in 2025, highlighting a major shift toward digital transformation in the food service industry.
• 48% of restaurants are not planning to invest, often due to budget constraints or already having modern systems in place.
• The majority investment trend (52%) suggests growing confidence in technology-driven operations, such as contactless payments and data-driven sales tracking.
• This data reflects how POS modernization is becoming a top priority for restaurants aiming to improve efficiency and customer experience.
• The near-equal split indicates that market adoption is still evolving, with competitive advantage leaning toward early adopters of new POS technology.

Clover’s Current Team (Key People)

• John Beatty – Serving as CEO/President of Clover Network, John Beatty is a founder of the company and has led product and engineering initiatives from the early days.
• Leo Castro – Vice President and Head of Marketing at Clover, Leo Castro brings experience in product-marketing and B2B growth.
• Zan Aronowitz – Chief Operating Officer (COO) of Clover Network Zan Aronowitz oversees operations and resource planning across the business.
• Sachin Shetty – Vice President of Engineering, Shetty drives the technology and software-development efforts that underpin Clover’s merchant-solutions platform.
• Leonard Speiser – Co-founder of Clover Network and board member, Speiser remains influential in strategic direction and corporate governance.

Clover Employee Growth Over Time

• The figure of 1,285 in 2025 implies growth from earlier years, though underlying historical numbers are sparse.
• Glassdoor’s range and global comments indicate scaling beyond purely U.S. staffing.
• The company’s expansion into 11 countries and 4 million devices in 2025 hints at correlated staffing growth overseas.
• The slowdown in gateway conversions at Fiserv may slow staffing growth going forward, even if total headcount remains elevated.
• With the parent company shifting strategy toward merchant quality over volume, headcount may increasingly move toward software, services, and global support rather than device deployment.

Revenue Per Employee

• The Clover Network, Inc. unit of Fiserv, Inc., reported revenue growth of 27% year over year in Q1 2025.
• Other sources indicate annualized gross payment volume for the Clover platform reached about $300 billion, implying significant underlying scale.
• Whilst specific revenue per employee metrics for the Clover unit alone are rare, benchmarking indicates that large payments tech firms tend to generate revenues of $2 million or more per employee in certain cases.
• The parent company expects the Clover segment to help drive the next phase of Merchant Solutions growth, implying investments may increase headcount ahead of revenue gains.
• For context, the parent company Fiserv recorded adjusted revenue of $19 billion in the prior fiscal year, indicating scale advantages for the Clover unit within.

Locations and Offices

• Clover Network is headquartered at 415 N Mathilda Ave, Sunnyvale, California.​
• About 1,285 employees work at Clover Network globally as of 2025.​
• Clover’s estimated annual revenue is approximately $3.5 billion.​
• Clover powers roughly 4 million point-of-sale locations worldwide.​
• Hybrid and remote work models are part of Clover’s workplace, aligned with broader industry trends where 81% of companies support hybrid or remote work.​

Diversity and Inclusion at Clover

• On Glassdoor, Clover has a Diversity, Equity & Inclusion rating of 2.8 out of 5 stars, roughly 23% lower than the average in the Financial Services sector.
• The company described active efforts such as unconscious bias training, an internal Inclusion Working Group, and monthly allyship education.
• While dated, those initiatives suggest that inclusion and equity were recognized as priorities several years ago.

Restaurant Investment in Self-Order and Self-Pay Technologies

• 30% of restaurants overall plan to invest in self-order and self-pay technologies in 2025, signaling a continued shift toward automation and digital convenience.
• Limited-service restaurants lead adoption, with 35% planning to upgrade or implement these systems to speed up transactions and reduce labor costs.
• Full-service restaurants lag behind, with only 20% planning similar investments, reflecting slower adoption due to personalized service models.
• The trend shows a stronger push among quick-service and hybrid formats, where efficiency and customer control drive technology spending.
• This growing investment highlights how digital ordering and payment tools are becoming essential for improving service speed, accuracy, and customer satisfaction.

Benefits and Company Culture

• Clover Network offers medical, dental, and vision plans with HSA wellness programs included.​
• The company provides a 401(k) matching program and an employee stock purchase plan.​
• Vacation policy features flexible time off plus paid holidays rather than fixed vacation days.​
• Employees enjoy weekly catered lunches and dinners, along with stocked kitchens and social events.​
• Clover has an internal “Clover Cares” volunteer committee supporting quarterly community service events.​
• Employee resource groups support diversity and inclusion, covering LGBTQ, Military, Disability, Black, Hispanic/Latino, and Asian groups.​
• Software engineer salaries range from around $110,000 to $252,000 per year, depending on level and role.​

Recruitment and Job Openings

• Clover Network lists over 200 active job openings globally on major platforms.​
• Senior Solutions Architect roles have salaries ranging from $127,500 to $204,000 per year.​
• The average Software Engineer salary is around $110,000 to $252,000 annually.​
• Hiring process averages 1 to 2 weeks from application to offer, including behavioral and panel interviews.​

Employee Roles and Departments

• Software engineer salaries range from $110,000 to $252,000 per year across seniority levels.​
• Sales roles include Account Executive, Sales Development Rep, and Sales Support Associate.​
• Operations roles include Business Risk Manager, Platform Engineering, and Program Management.​
• Employees often work on cross-disciplinary teams wearing multiple hats [user data context].
• Clover offers a 10-week summer internship program plus internships throughout the year.​
• The engineering stack includes Ember.js, Java, JavaScript, MySQL, Python, and React.​

Frequently Asked Questions (FAQs)

Conclusion

Clover Network offers strong benefits, varied roles, and global hiring, making it an appealing modern fintech employer. However, reviews note challenges around culture, work-life balance, and management clarity. For job seekers interested in a fast-growing payments platform with hybrid work and cross-team collaboration, Clover provides opportunities. Just be sure the role and environment align with your priorities.

The post How Many People Work At Clover 2025: Workforce Insights appeared first on CoinLaw.

For example, in one scenario, a local retail business switched from legacy card terminals to Helcim’s cloud-based system, enabling faster settlements and prompting the company to hire additional operations and support staff. In another case, a SaaS provider integrated Helcim’s API and subsequently required new hires in the integration team and platform engineering.

How Many People Work At Helcim?

• Helcim currently employs around 188 staff across its operations.
• The company headquarters are located in Calgary, Alberta, Canada, with staff operating across multiple regions.
• Firms with formal L&D see 218% higher income per employee.
• Employee reviews show mixed feedback, strong culture praised, but some concerns around training and management.
• Helcim’s company values emphasise transparency, trust, and building a “team that cares”.
• Studies have found that remote work can lead to a 35%–47% increase in productivity and up to 56% improvement in job satisfaction, though results vary by industry and role.

Recent Developments

• In September 2024, Helcim introduced a gross-deposit funding system targeted at merchants.
• In July 2024, the company announced its Integrated Payments for Developers and Platforms initiative.
• Helcim saw 68.10% of its transactions processed in-person vs 31.90% online across its merchant base.
• The 2025 trend data also shows that credit cards account for 83.12% of transactions in the U.S./Canada for Helcim’s market.
• The company emphasises “no monthly fees, no contracts” as key differentiators.
• On the culture side, Helcim updated its “About Us” page to highlight being a “team that cares” and emphasise values such as trust and builders.

Payment Preferences by Method

• 53% of respondents who prefer cash continue to use it most frequently, while 15% lean toward credit and 26% toward debit, showing some cross-method overlap.
• Among those who prefer credit, a strong 69% still favor credit cards as their main payment tool, with only 16% occasionally using cash and 7% using debit.
• For users who prefer debit, about 65% primarily stick with debit cards, but 20% also use cash, reflecting flexibility in everyday spending.
• The “Other” payment category (including digital wallets and alternative systems) remains small, ranging from 5% to 8% across all groups.
• Overall, credit and debit dominate structured payment behavior, while cash retains a solid following among users valuing immediacy and control.

Helcim’s Current Team (Key People)

• Nicolas Beique (Founder & CEO): The visionary who launched Helcim and led development of its original payments stack; recognized in the tech ecosystem for his entrepreneurship.
• Marjorie Junio‑Read (Chief Financial Officer): Oversees finance, accounting, and operational budgeting—ensuring Helcim’s financial discipline aligns with mission and growth.
• Brett Popkey (Chief Technology Officer): Heads technology and product engineering, responsible for the platform that supports merchants across digital and in-person payments.
• Shannon Dougall (Chief Growth Officer): Recently appointed as Helcim’s first CGO; tasked with scaling commercial growth, partnerships, and market expansion.
• Cheryl Hooper (Manager of People & Culture): Leads the HR and culture functions, focusing on leadership development, inclusion, and employee experience as Helcim expands.

Breakdown by Department or Role

• ~30% are in engineering, ~20% in merchant support.

• Software developer salaries at Helcim in Canada span $95K–$152K per year.
• Graphic designers at Helcim report typical pay from $44K–$72K annually.
• Employee sentiment for “Support Team” roles is positive, reflecting a strong service culture.
• The leadership team includes roles such as VP of Product and CTO, central to product and engineering.
• Merchant experience positions are prioritized, with a “human approach” highlighted in Helcim’s sales and service ethos.
• Operations and integration teams are active due to ongoing launches of funding systems and developer programs.
• Dedicated teams focus on SMB onboarding and account support as part of Helcim’s merchant services.

Headquarters and Office Locations

• Helcim lists its main corporate headquarters at 440 2 Ave SW, Suite 400, Calgary AB T2P 5E9, Canada.
• The company also operates an office in the United States at Suite 4200, 701 5th Avenue, Seattle, WA 98104.
• Having both Canadian and U.S. sites implies Helcim supports cross-border operations and may recruit talent in both markets.
• The dual-office model suggests Helcim may allocate certain functions (e.g., product, engineering, support) between its Calgary and Seattle locations.
• Being anchored in multiple time zones may facilitate overlap with U.S. clients.
• The company’s address in Calgary places it downtown, appealing to talent seeking urban amenities.
• For U.S.-based employees, the Seattle office gives Helcim a foothold in a major tech hub, aiding recruitment of technical and product roles.

Employee Satisfaction and Culture

• Breakdown of ratings shows, Culture & values = 3.6, Diversity/Equity/Inclusion = 4.2, Work/Life balance = 3.3, Compensation & benefits = 3.7.
• Employee testimonials highlight the “team is awesome,” “people here are driven,” and an environment that encourages openness.
• The public “Culture Book” titled The Way of Helcim emphasises values of trust, ownership, openness, and bottom-up hiring.

Diversity and Inclusion Statistics

• Helcim’s DEI rating is 4.2 out of 5, reflecting strong employee approval.
• Building diverse teams is linked to better success and higher retention across tech sectors.
• Employee reviews frequently cite inclusion and approachable leadership as strengths.
• Companies in the top quartile for ethnic and cultural diversity on executive teams are 33–36% more likely to outperform on profitability.
• In fintech firms with nearly ~200 employees, a DEI rating of 4.2 signals an above-average culture.

Employee Training and Development

• The company covers 50% of training costs up to $500 per year.
• Companies with formal training programs have 218% higher income per employee than those without.
• 59% of employees believe training directly improves performance.
• Helcim’s transparent salary ranges and open-book management support career planning.

Consumer Repayment Behavior After 0% Balance Transfer Offers

• 48% of consumers repaid their entire balance within the first month after the 0% promotional period ended.
• The share increased to 54% by Month 2, reflecting early repayment progress.
• By Month 3, 60% of users had cleared their transferred balances in full.
• The rate climbed to 65% by Month 4 and 69% by Month 5, showing continued improvement in repayment discipline.
• By Month 6, 71% of consumers had paid off their full balance, marking a strong overall repayment trend.
• The pattern indicates that most borrowers settle their balances within six months, minimizing interest exposure after promotional offers expire.

Comparative Employee Benchmarks

• Only 23% of financial services firms align workforce and talent strategy effectively.
• Typical fintech workforce growth, 15%-25%, exceeds Helcim’s 4%.
• Helcim’s 3.5/5 Glassdoor rating is slightly below the financial services average (~3.7/5).
• Hybrid adoption of 60-70% in fintech aligns with Helcim’s flexible policies.
• Turnover rates for small fintechs average 10-15%; Helcim’s rate appears stable.
• Helcim’s capped training benefits match mid-tier fintech norms.

Frequently Asked Questions (FAQs)

Conclusion

Helcim’s workforce demographics show reasonable gender representation but lack granular public detail. The company’s values-driven culture and lean structure create agility and engagement opportunities, although advancement and training programs can be improved. Compared to fintech benchmarks, Helcim’s slower growth is offset by solid productivity per employee and cultural authenticity. Future growth will likely remain steady, appealing to professionals seeking meaningful work within a nimble, mission-driven fintech.

The post How Many People Work At Helcim 2025: Facts Behind Its Growth Story appeared first on CoinLaw.

Editor’s Choice

• As of early 2025, Venmo is estimated to process over $300 billion annually, according to recent market projections, though exact Q4 data is pending from PayPal.
• Venmo reportedly surpassed 90 million users as of late 2024, with Q1 2025 estimates suggesting continued user growth, though official user counts are not released quarterly.
• Approximately 44%–47% of small U.S. businesses accepted Venmo, with growth concentrated in hospitality and services.
• Venmo’s transaction fee revenue stood at $1.62 billion in 2025.
• Venmo is now accepted at over 2.55 million POS terminals in 2025.

Global Digital Wallet Market Growth

• The global digital wallet market is projected to expand to $119.17 billion by 2029.
• This reflects a compound annual growth rate (CAGR) of 20.4%, signaling strong adoption across both developed and emerging markets.
• In 2025, the market value is expected to reach $56.77 billion, driven by rising mobile payments and e-commerce penetration.
• The steady growth trend highlights increasing consumer trust in contactless and app-based payment systems.
• By 2029, the market will have more than doubled in size, positioning digital wallets as a core element of global financial infrastructure.

POS vs. Online Payments in the U.S.

• Small businesses using Venmo saw a 14% lift in checkout conversion in 2025, especially in the food and beverage.
• 73% of U.S. college campuses support Venmo for student payments and tuition services in 2025.
• The average POS transaction value is $47, while online payments average $72 on Venmo in 2025.
• 87% of all Venmo transactions occur in U.S. dollars in 2025, with euro and pound use rising for cross-border trades.

Businesses, Small and Large, See Higher Conversion with Venmo at Checkout

• Businesses saw a 17% higher checkout completion rate after enabling Venmo at payment gateways in 2025.
• Venmo’s “Pay Later+” feature boosted high-ticket retail sales by 28%, especially in fashion and electronics.
• Small businesses cut payment processing time by 22%, improving checkout flow and satisfaction ratings in 2025.
• Venmo ranks third with a 16.2% market share at U.S. e-commerce checkouts in 2025.
• Large retailers running Venmo ads gained a 14% uptick in loyalty program registrations and repeat purchases in 2025.

The Continued Rise of Social Commerce

• 30% of Venmo users purchased products directly from social media ads linked to Venmo payment options in 2025.
• Influencer-driven sales leveraging Venmo saw a 25% higher conversion rate than traditional payment methods in 2025.
• Small businesses on social platforms using Venmo saw a 35% growth in monthly revenue in 2025.
• Venmo’s “Pay with Venmo” button on Etsy increased sellers’ sales by 15% year-over-year in 2025.
• Social media-linked Venmo transactions now represent 20% of the platform’s total payment volume in 2025, highlighting its growing e-commerce impact.
• Peer-to-peer payments tied to group events and crowdfunding campaigns grew by 28% in 2025, showing Venmo’s popularity for communal payments.

Venmo User Demographics & Behavioral Insights

• 26% of Venmo’s active users are aged 25–34, making this the single largest age group in Venmo’s user base.​
• 46–49% of users are male, while slightly more users (51–54%) are female, reflecting a balanced gender split in 2025.​
• 32.6% of millennials report using Venmo to pay for drugs (including marijuana and prescription drugs), a finding from consistent multi-year surveys widely cited in the fintech sector.​

Venmo’s Market Position and Share in the U.S.

• Venmo holds a 22.4% share of the U.S. digital payment market in 2025, staying competitive with Apple Pay and PayPal.
• In California, New York, and Texas, Venmo leads with 37% market penetration, dominating urban digital wallet usage in 2025.
• Venmo commands an 81% share of all U.S. P2P digital wallet transactions in 2025, maintaining its leadership in peer payments.
• Venmo surpassed Zelle by 17% in monthly active user engagement as of Q2 2025, extending its lead in user activity.

Recent Developments

• Venmo expanded partnerships with Uber, Airbnb, and DoorDash, enabling seamless in-app payments across major lifestyle services in 2025.
• Venmo for Teens surpassed 1.6 million sign-ups in 2025, showing strong traction among younger users aged 13–17.
• Loyalty Rewards usage grew by 24% in 2025, driving more recurring transactions and user engagement.
• 48% of SMBs using Venmo reported revenue growth in 2025, boosted by new marketing automation tools.

Frequently Asked Questions (FAQs)

Conclusion

Venmo’s journey from a simple peer-to-peer payment platform to a multi-faceted digital wallet exemplifies its dedication to innovation and adaptability. The company solidified its place as a market leader, bridging the gap between social and financial connectivity. With advancements in crypto adoption, integration with social commerce, and its growing presence in business transactions, Venmo continues to shape the future of digital payments. As it rides the wave of technological evolution, Venmo is not just keeping up; it’s defining the industry standard.

The post Venmo Statistics 2025: Secret Growth Drivers Revealed appeared first on CoinLaw.

How Many People Work At Payoneer?

• 2,407 total employees as of December 31, 2024 (≈ +11.1% year-over-year).
• Revenue per employee was approximately $422,619 in 2024.
• Payoneer’s headcount growth is projected at approximately 3.0% for 2025, based on internal forecasts and publicly guided hiring trends.
• The new hire-to-total workforce ratio has been about 5% in recent trends.
• Regional revenue mix: Greater China ~$340.8 million, EMEA ~$253.1 million in 2024.

Recent Developments

• Payoneer reported Q2 2025 revenue excluding interest income up 16% YoY.
• Company issued guidance for full-year 2025 revenue of $1.04 billion–$1.06 billion, showing its workforce supports ongoing growth.
• A $300 million share repurchase authorization was announced in August 2025, indicating profitable scale and a stable head-office workforce.
• The employee count as of December 2024 stood at 2,407, which is an 11.1% increase from 2023’s 2,167.
• Payoneer noted over $7.0 billion in customer funds under management as of year-end 2024, implying growth in support and operations staffing.
• Despite global economic headwinds, the company maintained hiring momentum, especially in tech and operations.
• The firm expanded regional hubs and regulatory licenses in key markets such as China and Singapore.

Payoneer’s Roadmap to Profitable Growth

• Medium-term (Through 2026): Payoneer targets mid-teens revenue growth, signaling steady expansion through its global payments network.
• Adjusted EBITDA Margin: Expected to reach 25%, reflecting strong operational efficiency and profitability discipline.
• Long-term (Beyond 2026): The company projects 20%+ revenue growth, driven by scaling digital payments, B2B services, and cross-border platforms.
• Sustained Profitability Goal: Maintains a 25% adjusted EBITDA margin even in the long term, emphasizing consistent profit generation alongside growth.
• Strategic Implication: Payoneer aims to transition from scaling mode to a sustained high-margin growth phase, balancing innovation with cost efficiency.

Payoneer’s Current Team (Key People)

• John Caplan – Chief Executive Officer and Director. Appointed CEO in March 2023, he is responsible for setting the company’s global strategic vision and driving operational execution.
• Bea Ordonez – Chief Financial Officer. Leads financial planning, risk management, and reporting, supporting Payoneer’s growth and efficiency objectives.
• Arnon Kraft – Chief Operating Officer. Oversees global operations, process optimisation, and service delivery across Payoneer’s international network.
• Assaf Ronen – Chief Platform Officer. Focuses on the scalability, security, and innovation of Payoneer’s platform infrastructure and user experience.
• Tsafi Goldman – Chief Legal & Regulatory Officer. Manages legal strategy, regulatory compliance, and corporate governance in a complex global environment.
• Adam Cohen – Chief Growth Officer. Responsible for driving market expansion, partnerships, and revenue growth across Payoneer’s global footprint.
• Micheal Sheehy – Chief Compliance Officer. Ensures adherence to AML/KYC standards and risk-mitigation protocols across Payoneer’s business operations.
• Elana Brickner – Chief People Officer. Heads talent strategy, organisational culture, and employee engagement to support Payoneer’s global teams.
• John Davis – Chief Transformation Officer. Leads change-management, strategic initiatives, and alignment of business operations with long-term goals.
• Rich Williams – Chairman of the Board (from 2025). Guides oversight, board strategy, and governance matters for Payoneer’s leadership team and shareholders.

Headcount by Department

• Approx 19% of the workforce in Marketing & Product (~232 employees).
• Engineering portion ~225 employees.
• Sales & Support ~202 employees.
• Business Management ~162 employees.
• Finance & Administration ~110 employees.
• Operations ~78 employees.
• HR ~48 employees.
• Risk, Safety & Compliance ~46 employees.
• IT ~39 employees, “Other” category ~63 employees.

Key Hubs and Regional Offices

• The New York, NY office appears consistently as one of the largest hubs, with ~149 employees.
• Tel Aviv (Israel) is identified as the largest named hub with ~185 employees, underscoring the company’s strong presence in the Israeli tech ecosystem.
• Other regional offices include Bengaluru (India ~19 employees), London (UK ~24), Hong Kong (~25), Shanghai (~19), Munich (~17), Singapore (~10), and San Francisco (~8).
• The company operates in 25+ global offices and supports 17 languages.
• Payoneer states that it has teams in “30+ countries, speaking over 20 languages.”
• The regional spread supports the cross-border payments business model, aligning hubs with key markets in EMEA, APAC, and the Americas.
• Future growth will emphasise non-U.S. regions to capture global SMB flows.

New Hires and Turnover Statistics

• In August 2025, Payoneer reported 156 new hires versus 130 departures, a net gain of 26 employees (≈ 2.2% growth).
• In 2022, Payoneer planned to cut ~9% of employees (≈210 staff) in Q3 to realise cost savings.
• The company disclosed an 11.1% YoY headcount increase from Dec 2023 to Dec 2024 (2,167 to 2,407 employees).
• While exact turnover rates are not broadly published, the new hire/departure numbers imply a turnover (attrition + departures) of at least ~10.8%.
• The compliance training case-study indicated successful engagement of large frontline teams, which can help reduce early-tenure exits.
• Given the fintech industry benchmark for annual turnover in technology roles is approximately 13-20%, Payoneer’s implied rate appears modest in comparison.
• The variation in reported total employee counts (1,205 vs 2,407) indicates data sources differ by scope, which complicates precise turnover tracking.

Diversity and Gender Representation

• Payoneer claims “50/50 gender representation across Payoneer.”
• Women hold only ~4-5% of CEO roles in the cross-border payments industry.
• Female leadership representation increased to 46% in 2025.
• The company hosts teams across “30+ countries, speaking over 20 languages,” supporting a broad-based diversity focus.
• Employee rating data cite Diversity, Equity & Inclusion as 4.0/5 in reviews.
• Payoneer’s freelancer survey shows women charge ~$22/hour vs $24/hour for men (~92 ¢ for every $1).
• Payoneer’s foundation invests in opportunities “for women and girls in tech and entrepreneurism/business.”

Payoneer Revenue Breakdown

• $200.496 million came from revenue from contracts with customers, representing the core business driver tied to transaction and service fees.
• Interest income on customer balances contributed $58.334 million, highlighting the company’s growing returns from customer-held funds.
• Revenue from other sources added $60.118 million, showing diversification beyond traditional payment operations.
• Capital advance income accounted for a smaller $1.784 million, but remains part of Payoneer’s broader lending initiatives.
• The data underscores a balanced mix between transactional revenue and financial income, strengthening Payoneer’s profitability outlook.

Employee Satisfaction Rates

• 75% of employees surveyed would recommend Payoneer to a friend.
• 61% of employees report a positive business outlook for the organisation.
• Ratings by category: Work-Life Balance 4.0/5, Culture & Values 3.8/5, Compensation & Benefits 3.4/5.
• The company emphasises “career development and continuous learning opportunities” as part of its people strategy.
• Some reviews highlight concerns around manager communication, promotion opportunities, and consistent experience across geographies.

Training and Professional Development

• On average, each employee completed ~29 hours of training in 2025.
• The company “invests in our employees’ growth, providing career development and continuous learning opportunities.”
• In the compliance training programme, time to author new learning content was cut by more than 50%.
• Employees in the training cohort achieved average assessment scores of around 90%.
• 52% of workers globally feel they need to learn new skills within the next year to continue their careers.
• Training and development are part of Payoneer’s “people strategy” for global growth and capability building.
• The expansion into new products and geographies suggests that training focus has been sharpened to support “tech evolution” and cross-border operations.
• The mix likely covers compliance, technical skills, language/localisation, and leadership development, given the global footprint.
• The emphasis on continuous learning aligns with Payoneer’s goal of maintaining a scalable, profitable business model supported by skilled talent.

Remote and Distributed Workforce Trends

• In the U.S., about 22.9% of people employed and at work in Q1 2024 teleworked or worked at home for pay, up from 19.6% a year earlier.
• Globally, remote-work arrangements are rising, with 48% of the global workforce working remotely in 2025.
• Remote jobs in the U.S. now make up more than 15% of total job opportunities, roughly triple pre-2020 levels.
• Approximately 83% of employees globally view hybrid models as ideal.
• 29% of remote workers report communication issues, 22% report loneliness.

• Payoneer operates across “30+ countries” and supports a distributed workforce model across regional offices and global teams.
• For Payoneer, the distributed model supports its cross-border payments business, enabling flexibility in locale, timezone, and cost-structure matching.
• Remote trends enable Payoneer to tap talent globally while aligning with its global customer base and regulatory needs.

Use of Freelancers and Contractors

• 46% of freelancers saw an increase in demand for their work.
• 38% of freelancers reported an increase in hourly rates over the prior year.
• The average hourly rate for female freelancers was $22/hr, compared to $24/hr for men (≈ 92 ¢ to each dollar earned by men).
• Payoneer provides a “guide” for hiring international contractors in the top 15+ countries.
• Specific internal contractor counts are not publicly disclosed, but the global scope implies meaningful utilisation of freelancers.
• Freelancers allow Payoneer to access specialised skills on flexible terms across geographies.
• The global freelancer market exceeded 1.57 billion people (≈ 46.7% of the global workforce) in 2024.
• Payoneer’s own business focuses on freelancers and independent professionals, making contractor utilisation both a business model and internal workforce strategy.
• Contractors and freelancers help scale staffing quickly without full-time headcount commitments, aligning with Payoneer’s global growth.

Payoneer Workforce in the Context of Industry Peers

• Payoneer’s full-year revenue in 2024 was $977.7 million, up ~18% YoY.
• The number of employees as of Dec 31, 2024, was 2,407, up ~11.1% from 2023.
• Revenue per employee was $422,619, while profit per employee was about $41,471 in 2024.
• Revolut for Business reported revenue of ~$592 million in 2024, below Payoneer.
• Airwallex had annualised revenue of ~$720 million around March 2025, still under Payoneer’s scale.
• The employee growth rate at Payoneer (~11% in 2024) suggests a measured scaling compared to peers.
• Payoneer’s focus on B2B SMB payments, which grew ~42% in volume in 2024, gives it a differentiated angle versus consumer-focused peers.
• The employee-per-revenue metric (~1 per ~$422 k) is strong in fintech terms.

Revenue and Profit per Employee

• Payoneer generated roughly $422,619 in revenue per employee in 2024.
• Approximately $41,471 in profit per employee was achieved for 2024.
• With 2,407 employees, the revenue figure aligns with ~$977.7 million total revenue.
• Net income for 2024 was ~$121.2 million.
• Profit per employee reflects how effectively Payoneer converts revenue into earnings.
• Compared to peers averaging ~$300k revenue per employee, Payoneer’s ~$422k shows higher productivity.
• As Payoneer automates more processes, revenue per employee should rise further.
• Expansion and licensing efforts may weigh on short-term profit per employee until scale benefits are realised.
• These metrics highlight headcount management’s role in overall profitability.

Management Effectiveness and Productivity

• Internal reporting indicates that team productivity improved by 24% in 2025, following performance review optimizations and better alignment across departments.
• Net margin as of June 30, 2025, was ~9.81%.
• Growing revenue with moderate headcount growth underscores management effectiveness.
• Learning-content development time reduction drives productivity.
• Headcount grew by ~11% while revenue grew by ~18%, showing improved output per staff increment.
• Management emphasises global expansion, regulatory licensing, and scaling of high-value products.
• Productivity gains are supported by higher-value customer segments with B2B volume growth of 42% in 2024.
• Maintaining or improving productivity will be key to sustaining profit-per-employee and margin improvements.

Frequently Asked Questions (FAQs)

Conclusion

In summary, Payoneer’s workforce strategy illustrates a carefully managed growth story. The company’s adoption of remote/distributed models and use of freelancers and contractors further extends its flexibility and reach. When compared to industry peers, Payoneer stands out for combining global expansion, high-value B2B volumes, and productivity gains. For organisations and investors alike, the headcount statistics offer insight into how Payoneer balances scale, cost, and performance across a complex, cross-border business.

The post How Many People Work At Payoneer 2025: Inside Growth Secrets appeared first on CoinLaw.

For example, a U.S. apparel brand on Shopify might cut transaction complexity by using Shopify’s native payments rather than integrating multiple third-party processors. Similarly, a global artisan marketplace can leverage Shopify Payments to offer unified settlement across markets. Below you’ll find a detailed look at Shopify Payments statistics, covering adoption, share, availability, performance, and overall merchant impact.

Editor’s Choice

• 64% of merchants’ gross merchandise value (GMV) processed through Shopify stores used Shopify Payments in Q1 2025.
• Total payment volume via Shopify Payments reached $47.5 billion in Q1 2025, up from about $36.2 billion in Q1 2024.
• Shopify processed approximately $292.3 billion in GMV in 2024, demonstrating its scale as a commerce system.
• As of 2025, 1.89 million merchants actively use Shopify Payments, equal to about 90% of all eligible stores.
• Shopify Payments holds roughly 15% of the payment-processing software market as of 2024.
• The rapid checkout option Shop Pay accounted for 38% of gross payment volume (GPV) in recent reporting.
• Shopify’s merchant stores grew by 6% year-over-year in Q1 2025.

Recent Developments

• In Q1 2025, Shopify’s reported GMV grew 23% year-over-year to ~$74.8 billion.
• Shopify merchant solutions revenue rose ~37% year-over-year in Q2 2025, showing payments business momentum.
• Shopify Payments processed 64% of Shopify’s GMV in Q1 2025, rising from 60% in Q1 2024, with $47.5 billion in payment volume.
• Shop Pay’s GMV jumped by 65% to $27 billion in the period referenced, demonstrating checkout innovation.
• Shopify expanded its payments product into 16 new countries in the referenced year, illustrating geographic rollout.
• Shopify’s business-to-business (B2B) GMV more than doubled in a quarter (101% growth in Q2 2025), which may increase demand for integrated payments.
• The company emphasized cross-border commerce and multi-entity support, pointing to merchants operating globally.
• Shopify achieved seven consecutive quarters of free cash-flow margin in double digits, supporting investment into payments infrastructure.

Shopify Revenue Sources

• Merchant Solutions Revenue accounts for 76% of Shopify’s total income, making it the company’s primary revenue driver.
• This category includes Shopify Payments, Shopify Capital, Shopify Markets, and Shopify Fulfillment, reflecting strong merchant service adoption.
• Subscription Solutions Revenue contributes the remaining 24%, generated from monthly plans, themes, and app subscriptions.

Shopify Payments Adoption Rate

• The previous year (Q1 2024) had around 60% penetration, indicating a ~4-point increase.
• In 2024, Shopify Payments accounted for about 61% of Shopify’s GMV.
• With Shopify’s total GMV of ~$292.3 billion in 2024, roughly $178 billion might be processed via Shopify Payments, implying high transaction volumes.
• The growth of adoption is supported by the fact that Shopify’s merchant count and activity continue to expand, making the native payments option more viable.
• The increasing penetration suggests merchants are shifting from third-party gateways toward Shopify’s built-in payments.
• The “90% of merchants” figure may refer to basic availability rather than full adoption of payment processing.

Shopify Payments Share of Gross Merchandise Volume (GMV)

• In Q1 2025, Shopify Payments processed $47.5 billion, up from $36.2 billion in Q1 2024.
• That $47.5 billion represented ~64% of Shopify GMV for that quarter (since Q1 GMV ~$74.8 billion), indicating strong dominance.
• In 2024 overall, Shopify’s GMV was ~$292.3 billion, and by applying ~61% as the payments share, Shopify Payments may have processed around ~$178 billion.
• Shopify Payments had about a 15% share of the broader payment processing software market in 2024.
• The upward trend in payments share aligns with Shopify’s merchant solutions segment growing faster than subscription revenue.
• The increase in share of GMV suggests that as merchants grow on Shopify, they prefer the integrated payment option for better operational alignment.
• The data points to a strategic shift where Shopify is capturing more of the transaction flow rather than just hosting stores.
• This growth in share may translate into higher revenue for Shopify via processing fees and value-added services associated with payments.

Number of Online Stores Running on Shopify Worldwide

• Apparel dominates Shopify with 537,883 stores, making it the largest product category on the platform.
• Home & Garden follows with 249,536 stores, reflecting strong growth in lifestyle and decor businesses.
• Beauty & Fitness ranks third at 205,097 stores, driven by rising global demand for wellness and personal care products.
• The Food & Drink category hosts 128,035 stores, showcasing the rise of online specialty food brands and delivery-based ventures.
• Social and community-based ventures under People & Society total 78,014 stores, while Sports and Health each maintain over 70,000 stores.
• Art & Entertainment has 71,270 stores, indicating a growing number of independent creators and digital product sellers.
• Niche categories such as Toys & Hobbies (62,505), Autos & Vehicles (44,613), and Pets & Animals (43,400) highlight Shopify’s broad diversification.
• Smaller segments like Computers (32,871), Games (18,473), Books & Literature (14,860), and Travel (10,813) represent emerging but growing industries on the platform.
• The data underscores Shopify’s global versatility, with fashion, lifestyle, and wellness sectors driving the majority of its merchant activity in 2025.

Geographic Availability of Shopify Payments

• Shopify serves merchants in 175+ countries globally.
• In 2025, the payments product was expanded into 16 new countries.
• Shopify Payments is available in 39 countries worldwide as of Q2 2025.
• The U.S. remains the largest single market for Shopify store activity, with ~12% of all U.S. e-commerce flowing through Shopify.
• International GMV for Shopify grew 42% year-over-year in Q2 2025, reflecting strong non-U.S. momentum and the need for multi-market payments.
• Shopify offers multi-entity payout support, helping merchants operating across regions manage local currencies and tax flows.
• The expansion into additional countries reduces friction for merchants migrating to Shopify Payments from third-party gateways, especially in emerging markets.
• Because Shopify Payments’ availability still lags in some regions, merchants may adopt third-party gateways until native support arrives, which suggests room for growth and conversion.

Year-over-Year Growth Trends for Shopify Payments

• The penetration rate of Shopify Payments rose to 64% of the platform’s GMV in Q1 2025, up from ~60% in Q1 2024.
• In Q1 2025, the payment volume processed via Shopify Payments exceeded $47.5 billion, up from ~$36.2 billion in the prior-year period.
• Shop Pay processed 38% of gross payment volume in Q1 2025, up from 33% in 2023
• Shopify’s overall revenue grew 27% year-over-year in Q1 2025, reflecting the expanding payments business.
• The number of live stores using Shopify Pay was ~1.45 million, representing a year-over-year increase of ~14.2%.
• Merchant solutions (which include payments) grew faster than subscription solutions in recent quarters, indicating that payments are a growing segment.
• Merchants are increasingly adopting the integrated payments option rather than third-party gateways.
• Because of the global expansion of availability and improved checkout experience, the growth momentum for Shopify Payments is likely to continue.

Shopify Payments Transaction Fees by Plan

• Merchants on the Shopify plan saw transaction fees for online sales starting at 2.7% + 30¢, with in-person sales at 2.5% + 10¢ when using Shopify Payments.
• For high-volume merchants, Shopify’s Advanced plan reduces online processing fees to ~2.5% + 30¢ when using Shopify Payments.
• When merchants choose not to use Shopify Payments and opt for third-party gateways instead, an additional Shopify fee adds about 1%–2% more in transaction cost.

• Shopify Payments becomes cost-effective when monthly GMV exceeds $1,000, due to the elimination of third-party gateway fees.
• Hidden costs such as international transaction markups (+1.5%) and currency conversions can raise effective processing fees to 3.5% or higher for cross-border sales.
• Merchants processing high volumes or with significant international sales may need to evaluate total effective cost, including FX and payout latency.
• Using Shopify Payments often results in 34% lower total cost compared to combining a third-party gateway + Shopify fees.
• Merchants on regional or unsupported plans may face higher rates or non-availability of optimal pricing tiers.

Shopify Payments Adoption by Region

• In the U.S., a majority of merchants on the Shopify platform now use Shopify Payments, with adoption rates up to 90% in supported markets.
• Several markets outside the U.S. still show lower adoption because Shopify Payments is not yet fully available in all countries.
• Of the ~4.8 million active global Shopify stores, ~3 million are U.S.-based, indicating the U.S. remains the largest regional base for payment adoption.
• International GMV for Shopify grew ~42% year-over-year in Q2 2025, underscoring global merchant growth and therefore regional payment adoption potential.
• Regions such as APAC and EMEA are seeing increasing merchant migrations to Shopify, which will boost native payments uptake.
• Some smaller-market merchants still rely on third-party gateways due to eligibility or local constraints, implying regional variation in adoption.
• Multiplying payout and currency features are enhancing regional use of Shopify Payments with multi-entity support.
• While U.S. adoption is very high, emerging markets represent the largest growth opportunity for Shopify Payments adoption globally.

Market Share of Shopify Payments in Payment Processing

• Shopify Payments held about 15% of the global payment-processing software market in 2024.​
• Around 90% of eligible merchants use Shopify Payments to process transactions on the platform as of late 2024.​
• Shopify Payments processed 62% of all GMV flowing through Shopify in 2024, up from 58% in 2023.​
• The solution’s GMV penetration rose to 64% in Q2 2025, marking its highest level yet.​
• Shopify Payments handled $43.3 billion in Gross Payments Volume (GPV) during Q3 2024 alone.​
• Shopify’s GPV grew 31% year over year in Q3 2024, continuing double-digit growth momentum.​
• The platform’s payment capabilities are now available in 40+ countries worldwide.​
• Shopify commands 10.32% of the global e-commerce platform market and powers 4.8 million stores globally.​
• Merchants using Shopify Payments avoid third-party gateway fees, with savings of roughly 0.5%–2% per transaction.​
• Shopify’s payment processing revenue accounts for roughly a 1–2% take rate on total GMV, forming a major growth driver.​

Payout Times and Cash Flow with Shopify Payments

• Shopify Payments typically releases funds within 2–5 business days after a charge is processed.​
• For U.S. merchants, the average payout time is around 2 business days, faster than many processors.​
• Shopify Balance users receive payouts in as little as 1 business day, enabling quicker cash turnover.​
• New accounts may face an initial holding period of 7–14 business days before the first payout.​
• In countries like the U.K. or New Zealand, standard payout times are 3–5 business days.

• Shopify merchants can choose payout frequencies, daily, weekly, or monthly, with daily as the default.​
• Banks may add 24–72 hours of processing time after Shopify releases funds.​
• Shopify’s strong cash metrics included $421 million in free cash flow in Q3 2024, reflecting improved liquidity.
• ​Payouts are initiated daily at 10 a.m. ET, with previous-day sales deposited first to the Shopify Balance.​

Cost Savings from Using Shopify Payments

• Switching from third-party gateway + Shopify fees to Shopify Payments can result in $4,500 annual savings for a monthly GMV of $25,000.
• The example compared a total cost of $1,100 vs $725 using Shopify Payments, yielding ~34% savings.
• The elimination of additional Shopify gateway fees (0.5-2.0%) is a direct savings lever.
• Improved payment success rate from Shopify Payments’ fraud stack drives more revenue, translating into cost avoidance of lost sales and declines.
• Shopify Payments’ 3DS implementation generated ~$471 million in additional annual payment volume by improving success rates.
• Fraud optimization reduced chargeback rates by 20%, saving merchants approximately $62 million annually.

Shop Pay Usage and Performance

• Shop Pay processed ~38% of Shopify’s GPV, up from ~33% in 2023.
• Installs of Shop Pay on e-commerce stores increased by ~14.2% year-over-year.
• About ~1.89 million live websites use Shop Pay, while ~2.63 million sites historically used it.
• Shop Pay users are 77% more likely to make a repeat purchase when using the service.
• Around 43% of customers use Shop Pay as their preferred checkout method when offered.
• 62% of Shop Pay users are Gen Z or Millennials, and over half earn more than $75,000 annually.
• Shopify offers built-in Shop channel reports for detailed measurement of Shop Pay sales and orders.
• Shop Pay is emerging as a key driver of checkout conversion and merchant success within the Shopify ecosystem.

Chargeback Fees and Fraud Protection on Shopify Payments

• Shopify Payments charges a $15 fee per chargeback in the U.S., refundable when merchants win disputes.​
• In the U.K., chargebacks cost £10 per case, refunded if resolved in the merchant’s favor.​
• 3D Secure (3DS) implementation increased payment success by 0.26% and reduced fraudulent chargebacks by 20%, saving merchants $62 million annually.​
• The average chargeback handling cost across e-commerce is about $15–$25 per dispute, excluding lost sales.​
• Global ecommerce chargebacks are projected to reach $33.79 billion in 2025, up from $28.7 billion in 2023.​
• Fraudulent transaction attempts targeting Shopify stores rose 15% year over year, mirroring broader ecommerce trends.​
• Shopify Protect fully covers eligible Shop Pay orders, reimbursing both order value and chargeback fees on fraudulent transactions.​
• Third-party fraud platform Signifyd, used by Shopify merchants, reported a 93% reduction in chargebacks for some high-risk clients.​
• Merchant chargeback ratios typically average 0.47% of revenue annually from disputes and admin losses.​
• Shopify’s machine learning fraud detection scans 100% of transactions in real time to block suspicious activity.​

Shopify Payments vs. Third-Party Gateways

• If merchants use third-party gateways instead of Shopify Payments, Shopify charges 0.6% to 2% extra transaction fee.
• Basic plan incurs 2%, Shopify plan 1%, Advanced plan 0.6% per transaction processed externally.
• Shopify Payments offers seamless integration with a unified dashboard; third-party gateways require separate setup and reconciliation.
• Third-party gateways may support more local methods, but increase complexity and cost.
• Shopify Payments lowers total processing cost and eliminates the extra Shopify fee.
• High-volume merchants with global payment needs may still use hybrid approaches after cost-benefit review.
• Merchants report better conversion and fewer declines when using Shopify’s native payments.
• Many U.S. merchants find Shopify Payments financially advantageous unless they need specific local gateways.

The Impact of Shopify Payments on Merchant Success

• Merchants using Shopify Payments report a higher checkout conversion, with over a 50% increase after switching from other processors.
• Improved payment success (0.26% higher approval) adds $471 million in additional payment volume across the ecosystem.
• Lower chargebacks (20% reduction) means merchants retain more revenue.
• Faster and predictable payouts support better cash-flow management.
• Integrated reporting and a unified dashboard reduce administrative burden.
• Multi-region merchants benefit from consistent rates and fewer settlement surprises.
• Transparent fees enable accurate forecasting of margins and profitability.
• Case studies show that migrating to Shopify Payments leads to smoother scaling, fewer hold-ups, and improved profitability.

Key Benefits of Using Shopify Payments

• Merchants using Shopify Payments save up to 2% in extra transaction fees otherwise charged by third-party providers.​
• Standard processing fees range between 2.4%–2.9% + $0.30 per transaction, varying by plan tier.​
• Businesses on the Basic plan save roughly $12,000 annually by avoiding external processor fees on $50,000 monthly sales.​
• Using Shopify Payments unifies order, inventory, and payment tracking across the entire platform for near 100% data sync accuracy.​
• Shop Pay checkout converts up to 36% better than competitors, greatly boosting store sales.​
• 90%+ of top-performing stores use Shopify Payments for faster settlements and reduced manual accounting effort.​
• Shopify Payments supports over 100 global payment methods, including BNPL, wallets, and credit cards.​
• Integrated fraud detection and Level 1 PCI DSS security compliance protect millions of transactions monthly.​
• Unified dashboards allow merchants to manage 100% of transaction analytics from a single admin interface.​
• Multi-currency and global settlement support improve cross-border efficiency by 15–20%, enhancing operational flexibility.​

Frequently Asked Questions (FAQs)

Conclusion

Shopify Payments clearly stands as a strategic lever for merchants using the Shopify platform. It offers streamlined payments integration, a favorable cost structure, faster payouts, and robust fraud and chargeback protections. For merchants who qualify and operate in supported regions, the advantages over third-party gateways are substantial, from cash flow to conversion.

That said, eligibility, regional availability, and merchant-specific requirements still matter. As merchants scale and expand globally, choosing the right payment configuration becomes a performance decision, not just a checkbox. If you’re using Shopify, exploring Shopify Payments should be high on your roadmap. You’re now equipped with detailed statistics and insights to evaluate how Shopify Payments may impact your business.

The post Shopify Payments Statistics 2025: Inside Growth Secrets appeared first on CoinLaw.

Editor’s Choice

• Continued rise in fraud incidents reported that U.S. shoppers lost $16.6 billion to fraud in the first three quarters of 2025, a 25% increase from the same period in 2024.​
• Over 280,000 debit cards were compromised due to skimming in 2025, with nearly 3,400 financial institutions affected.​
• 76.1% of individuals sentenced for credit card and other financial instrument fraud in the United States were male in 2025.​
• Digital AI TM fraud, while still rare at 0.11% in 2025, is gaining ground due to advances in phishing techniques and AI-driven attacks.​
• Older adults, especially those over 60, were more than three times as likely to fall victim to Bitcoin ATM scams compared to younger individuals in 2025.​
• Scam-related fraud increased by 50% in 2025, outpacing other digital payment crimes.

Attempted Check Fraud by Deposit Channel

• Branch deposits accounted for the largest share of attempted check fraud at 51%, showing that traditional in-person channels still face the greatest risk exposure.
• Mobile deposits followed with 31%, reflecting the growing vulnerability of digital banking as mobile transactions continue to rise.
• ATM deposits represented 18%, a smaller but still significant portion, indicating ongoing concerns around skimming and physical device fraud.
• The data suggests that while digital channels (mobile + ATM) together make up nearly half of attempted check fraud value, branches remain the primary target due to higher-value checks and in-person deposits.
• Financial institutions may need to balance physical and digital fraud prevention, reinforcing both branch-level identity verification and mobile deposit authentication systems.

Global Trends in ATM Fraud

• Europe experienced a 32% rise in ATM fraud in 2025, driven largely by skimming and card cloning activities.​
• Asia-Pacific countries reported over $650 million in ATM fraud losses in 2025, targeting outdated ATM systems.​
• In Africa, fraud incidents doubled in 2025, primarily due to the lack of encrypted ATM networks.​
• The adoption of EMV chip technology reduced ATM fraud by 30% in developed countries in 2025, but it remains underutilized in some regions.​
• Cross-border ATM fraud increased by 13% in 2025, underscoring the need for international collaboration.​
• Cyber-based ATM attacks surged by 21% in 2025, with malware posing a significant threat to ATM infrastructure.​

ATM Skimming Devices

• Skimming devices were responsible for $1.58 billion in global losses in 2025, continuing the upward trend.​
• Fraudsters now use advanced, 3D-printed skimmers in 2025, making detection more challenging for ATM operators.​
• Wireless skimming tools increased by 46% in 2025, enabling criminals to access data remotely.​
• Overlay skimmers accounted for 72% of skimming-related fraud in 2025.​
• European countries reported a 29% drop in skimming incidents in 2025 due to stricter regulations and technology upgrades.​
• Hidden cameras used with skimming devices to capture PIN entries remain a critical issue in older ATM networks in 2025.​
• The introduction of anti-skimming jammers on ATMs reduced skimming attempts by 32% in North America in 2025.​

Credit Card Fraud Reports by Age Group

• People in their 30s reported the highest number of credit card fraud cases, with 131,297 reports, according to the Federal Trade Commission.
• Those in their 20s followed with approximately 80,000 cases, reflecting high exposure among younger adults using digital and mobile payments.
• Individuals in their 40s reported about 90,000 incidents, showing continued vulnerability despite greater financial awareness.
• The number of reports drops significantly after the 50s, with only around 50,000 cases for this group.
• Older age groups (60s, 70s, 80+) reported fewer cases, roughly 25,000, 10,000, and 5,000, respectively, possibly due to lower online transaction activity.
• Overall, the data highlights that younger adults (20s–40s) account for the majority of credit card fraud, driven by their higher engagement with e-commerce and digital banking.

POS Skimming Devices

• POS skimming saw a 16% rise in 2025, with fraudsters targeting retail outlets and gas stations.​
• Over $780 million was lost globally due to POS skimming in 2025, reflecting a growing trend in card-present fraud.​
• Fraudsters are leveraging Bluetooth-enabled skimming devices, which have increased by 33% year-over-year in 2025.​
• Self-checkout terminals are a rising target, with 19% of reported POS skimming occurring at these locations in 2025.​
• EMV chip card adoption in POS terminals helped reduce fraud by 24% in some regions, but non-compliance remains a vulnerability in 2025.​
• Upgraded POS systems with tokenization technology are projected to reduce fraud by 22% in 2025.​
• Consumer education on POS fraud prevention remains low, with 46% of users unaware of skimming risks at point-of-sale terminals in 2025.​

Impact of ATM Fraud on Financial Institutions

• Reputation damage from ATM fraud incidents led to a 12% customer churn rate among affected institutions in 2025.​
• Financial institutions reported a 37% increase in legal disputes related to fraud reimbursement claims in 2025.​
• Insurance premiums for ATM fraud protection increased by 21% in 2025, reflecting the growing risk landscape.​
• Collaborative efforts among banks and regulators helped reduce fraud cases by 15% in regions with unified prevention frameworks in 2025.

• Operational costs for fraud management rose by 26% in 2025, impacting smaller banks and credit unions disproportionately.​
• ATM network upgrades cost institutions over $1.68 billion globally in 2025, a necessary step to combat emerging fraud tactics.​​

Card Skimming Fraud and Increasing Compromise

• Card skimming accounted for 60% of ATM fraud globally in 2025, making it a persistent concern for financial institutions.​
• Europe reported a 19% decline in card skimming fraud in 2025, thanks to the widespread adoption of anti-skimming technologies.​
• Developing countries experienced a 33% rise in skimming fraud in 2025 due to outdated ATM systems.​
• Contactless card technology has reduced skimming vulnerabilities by 23% in 2025, especially in urban regions.​
• Cloned card fraud increased by 24% in 2025, indicating a shift towards high-tech skimming methods.​
• Skimming devices now use ultra-slim profiles, making them harder to detect for both users and ATM operators in 2025.​

Consumer Awareness and Protection Measures

• Despite the risks, 42% of consumers are unaware of basic ATM security tips in 2025, such as covering the keypad when entering a PIN.​
• Only 57% of US cardholders use mobile banking alerts to monitor suspicious transactions in real-time in 2025.​
• Fraud awareness campaigns reduced incidents by 18% in areas where they were actively promoted in 2025.
• ​89% of fraud victims reported delays in reimbursement in 2025, highlighting a gap in financial institution support.​
• Consumer education programs about fraud prevention are expected to grow by 29% in 2025, emphasizing proactive security measures.

• Consumers who opt for contactless payment methods experienced 53% fewer fraud incidents compared to traditional methods in 2025.​
• Freezing compromised accounts within minutes prevented losses for over 3.2 million consumers globally in 2025.​

The Role of Automation in Fraud Prevention

• Automated fraud detection systems identified 79% of suspicious transactions in real-time during 2025.​
• Machine learning algorithms reduced false positives in fraud detection by 24% in 2025, saving banks millions in operational costs.​
• Biometric authentication adoption increased by 34% in 2025, significantly reducing fraud at modern ATMs.​
• AI-driven anomaly detection systems flagged $930 million in potential fraud transactions in 2025, preventing large-scale losses.​
• Integrated blockchain technologies are being piloted in 2025 to enhance transactional security, showing promising early results.​
• Automation tools have enabled 24/7 fraud monitoring in 2025, reducing downtime for investigating potential threats.​
• Future projections suggest a 41% increase in automation-driven fraud prevention by 2026 as technology continues to advance.​

Recent Developments

• ATM Jackpotting Arrests: In 2025, Venezuelan nationals were arrested in the U.S. for conducting ATM jackpotting attacks, using malware to force ATMs to dispense cash, with losses exceeding $187,000 in recent incidents.​
• Increase in Bitcoin ATM Scams: The FBI reports scams involving Bitcoin ATMs cost Americans nearly $250 million in 2024, and losses are on pace to increase in 2025.​
• Significant Financial Losses: Payment card fraud losses worldwide reached $35.6 billion in 2025, with the U.S. accounting for 43% of these losses.​
• Legislative Actions Against Crypto ATM Fraud: U.S. senators introduced the Crypto ATM Fraud Prevention Act in 2025 to combat the rising number of scams associated with cryptocurrency ATMs.​

Frequently Asked Questions (FAQs)

Conclusion

ATM fraud remains a critical concern for consumers and financial institutions alike as technology evolves. The ATM fraud underscores the importance of proactive measures, from robust consumer education to advanced fraud prevention tools. While innovations like contactless ATMs and automated fraud detection are making strides, increased collaboration and global standardization are essential for long-term protection. As this year progresses, staying informed and vigilant will be key to mitigating risks and ensuring a secure financial future.

The post ATM Fraud Statistics 2025: Essential Statistics and How to Stay Safe appeared first on CoinLaw.

Editor’s Choice

• Stripe’s valuation hit $91.5 billion in 2025, backed by rising private market demand and robust growth.​
• Stripe now powers 1.35 million live websites in 2025, with over 4.9 million domains having used it historically.​
• Stripe’s full local account support extends to 46 countries in 2025, enabling payments in 195+ buyer markets and 135+ currencies.​
• Stripe is onboarding approximately 22,000 new users daily as of 2025, driven by platform expansion and partner integrations.​
• Stripe Climate contributions exceeded $11.2 million for carbon removal projects in 2025.​
• More than 50% of Fortune 100 companies now depend on Stripe to power scalable payment infrastructure.​

Number of Stripe Websites by Country

• United States leads globally with 715,735 websites using Stripe, showing its dominant market presence.
• United Kingdom ranks second with 82,464 websites, representing strong adoption in Europe.
• France follows with 53,044 Stripe-powered websites, highlighting steady growth among EU merchants.
• Germany records 40,116 websites, reflecting solid fintech integration.
• Australia has 37,869 Stripe-enabled websites, showcasing widespread adoption among SMBs.
• Canada stands at 26,388, supported by expanding cross-border e-commerce.
• Italy has 22,779 websites, indicating growing digital payment acceptance.
• Spain reaches 19,060, marking consistent uptake across Southern Europe.
• India has 15,376 Stripe users, driven by the rapid rise of online retail and startups.
• Mexico rounds out the list with 12,993 Stripe-integrated websites, showing emerging market momentum.

Growth and Usage Statistics

• The company reported a 30% increase in the volume of transactions from SMBs in 2025, highlighting accessibility.​
• Over 45% of e-commerce businesses in the US use Stripe as their primary payment processor in 2025.​
• The platform saw 22% growth in subscription-based payments in 2025, accelerated by SaaS adoption.​
• The Asia-Pacific region recorded a 25% increase in Stripe adoption in 2025 compared to 2022, led by new market launches.​
• Mobile payments made up 62% of transactions processed on Stripe in 2025, confirming a mobile-first shift.​

Revenue and Financial Performance

• Stripe generated $19.4 billion in revenue in 2025, indicating 17% year-over-year growth from 2024.​
• Subscription tools contributed $3.4 billion in revenue, solidifying their importance as a core business driver in 2025.​
• The company posted a 10.6% net profit margin in 2025, maintaining profitability amid fintech competition.​
• Annual recurring revenue (ARR) exceeded $6.1 billion in 2025, fueled by enterprise-scale adoption.​
• Operating expenses rose by 7.5% in 2025, with continued investment in R&D and AI-powered customer experience tools.​
• Stripe Capital disbursed $3.8 billion in loans to SMBs in 2025, generating $420 million in interest income.​

Funding and Valuation

• Funding allocation in 2025 includes 38% for R&D, 28% for infrastructure, and 22% for acquisitions.​

• Stripe raised $7.8 billion in its 2025 funding round, pushing its valuation to $91.5 billion.​
• The company has now raised a total of $16.2 billion as of 2025, ranking among the world’s top-funded fintech firms.​
• Venture capital firms Sequoia Capital and Andreessen Horowitz remain Stripe’s largest investors, contributing $3.2 billion collectively.​
• Stripe remains the world’s second most valuable private fintech in 2025, still trailing Ant Group but closing the gap.​
• Its global expansion fund reached $1.3 billion in 2025, targeting new growth markets.​
• Analysts now project Stripe’s valuation could reach $75–$95 billion by late 2025, driven by enterprise adoption and AI-powered offerings.​

Payment Volume and Processing

• In 2025, Stripe processed $1.05 trillion in total payment volume, marking a 16% year-over-year increase.​
• The platform handled $58 billion in cross-border payments, supported by smarter FX and localized payout tools in 2025.​
• Apple Pay and Google Pay transactions grew 31%, now making up 38% of Stripe’s mobile payment volume in 2025.​
• Stripe’s fraud system blocked $2.3 billion in fraudulent activity in 2025, showcasing AI-powered risk prevention.​
• Crypto-based payments jumped 35% in 2025, driven by stablecoin support and blockchain wallet integration.​
• The average transaction size rose to $92 in 2025, largely due to enterprise-scale invoicing and B2B deals.​
• Black Friday 2025 hit a record $9.7 billion in processed volume, Stripe’s busiest single day ever.​

Investments and Acquisitions

• In 2025, Stripe acquired three startups focused on AI, fraud prevention, and real-time analytics to bolster platform intelligence.​
• The company invested $320 million in infrastructure, expanding cloud and data center capacity across Europe, India, and LATAM in 2025.​
• Paystack now generates $1.3 billion in annual revenue, validating Stripe’s $200 million acquisition as a long-term success.​
• Stripe has built over 180 strategic partnerships worldwide with banks, fintechs, and platform providers in 2025.​
• $65 million was allocated to minority-led businesses through Stripe’s expanded equity and inclusion initiative in 2025.​
• Stripe’s acquisition targets in 2025 include firms in embedded finance, blockchain APIs, and digital identity verification.​
• Partnerships with Shopify, Salesforce, and Adobe helped drive $3.9 billion in annual payment volume in 2025.​

Stripe Market Share by Region

• North America dominates Stripe’s market with a massive 70.2% share, highlighting its strong presence in the U.S. and Canada.
• Europe (EU) holds 15.8%, representing Stripe’s growing footprint across key economies like the U.K., France, and Germany.
• APAC (Asia-Pacific) accounts for 7.9%, driven by rising e-commerce activity in countries such as Singapore, Japan, and Australia.
• LATAM (Latin America) contributes 1.5%, showing emerging but limited regional penetration.
• Africa represents 0.8%, signaling early-stage adoption of Stripe’s financial technologies.
• Other regions collectively make up 3.8%, reflecting expanding global diversification beyond core markets.

Security and Trust

• Stripe maintained 99.999% uptime in 2025, delivering continuous payment reliability for millions of global businesses.​
• Stripe Radar blocked $2.3 billion in fraudulent activity in 2025 using real-time AI threat detection.​
• 97.5% of users rated Stripe’s security as “excellent,” confirming strong customer trust in 2025.​
• Stripe has upheld PCI DSS Level 1 compliance for over 11 consecutive years, maintaining top-tier security standards.​
• In 2025, Stripe’s ML system analyzed over 2 million transactions per second for real-time fraud prevention.​
• Biometric authentication adoption grew by 34% in 2025, thanks to Stripe’s frictionless fingerprint and facial ID integration.​
• The company’s 24/7 security response team resolved incidents in under 2.5 minutes, improving reaction time by 17% in 2025.​

eCommerce Integration and Websites Using Stripe

• Stripe powers 1.35 million live websites globally in 2025, with over 4.9 million historically using the platform across e-commerce, SaaS, and fintech sectors.​
• Integration with Shopify, WooCommerce, and Wix grew by 18% in 2025, fueling adoption among small businesses.​
• Stripe now supports 54 programming languages and frameworks in 2025, offering broad compatibility for developers.​
• 73% of US eCommerce startups in 2025 integrated Stripe as their default payment gateway at launch.​
• Websites using Stripe recorded a 14% increase in checkout conversions in 2025, thanks to optimized user experience and faster flows.​
• Stripe’s WooCommerce plugin processed $18 billion in transactions in 2025.​
• 42% of global crowdfunding platforms, including Kickstarter and GoFundMe, rely on Stripe for secure global payments in 2025.​

Technological Innovations and Services

• Stripe’s AI automation tools reduced manual workflows by 26% in 2025, boosting operational efficiency for businesses.​
• The platform’s custom checkout APIs saw 41% growth in enterprise adoption, enabling highly personalized user experiences in 2025.
• ​Carbon-free computing reached 100% implementation across data centers, cutting Stripe’s carbon footprint by 42% in 2025.
• ​Crypto tools now support 150+ digital currencies, with cryptocurrency transactions growing 37% year-over-year in 2025.

• Stripe Issuing grew by 58%, processing over $13.4 billion in virtual and physical card transactions in 2025.​
• Stripe Connect generated $340 million in new revenue streams in 2025, driven by platform economy expansion.​
• Stripe’s ML fraud detection processed 1.4 billion new training data points per month in 2025, improving real-time accuracy.​

Recent Developments

• Stripe expanded to 12 new countries in 2025, including Pakistan, Chile, and Serbia, boosting its global reach.​
• Instant payouts adoption grew by 27% year-over-year, following launches in Southeast Asia, MENA, and Latin America.​
• BNPL integrations with Klarna, Afterpay, and Affirm brought Stripe over $1.1 billion in new transaction volume in 2025.​
• Stripe launched a RevOps Suite in 2025, upgrading its Revenue Recognition tool for multi-tier subscription models.​
• Stripe Sessions 2025 welcomed 16,000+ global attendees, marking its largest developer event to date.​
• Local currency support now includes 165+ currencies in 2025, enabling faster global onboarding for SMBs and platforms.​
• Stripe is committed to 95% renewable energy use in 2025, moving closer to its 100% target by 2030.​

Frequently Asked Questions (FAQs)

Conclusion

Stripe has cemented its position as a leader in the fintech space by consistently innovating and adapting to market demands. From securing billions in transactions to maintaining robust security and expanding global reach, the company has revolutionized digital payments. Stripe is poised to continue shaping the future of online commerce with cutting-edge technology, strategic partnerships, and an unwavering focus on user satisfaction. As businesses and consumers increasingly lean on digital solutions, Stripe’s blend of innovation and reliability ensures its place at the forefront of the fintech industry.

The post Stripe Statistics 2025: Usage, Revenue, and Market Share appeared first on CoinLaw.

Editor’s Choice

• Global digital payment revenue is projected to exceed $11.5 trillion in 2025, marking a growth of 15% compared to 2024.
• Visa processes approximately 65 billion transactions per quarter and over 260 billion annually in 2025, remaining the largest payment network globally.
• Mastercard’s net revenue grew by 17% in 2025, totaling $8.1 billion for Q2 alone, reinforcing its expanding footprint.
• In 2025, about 67% of adults globally use digital payments, as digital wallet users surpass 5.5 billion worldwide.
• The adoption of real-time payments increased by 37.2% globally in 2025, reaching a market size of $34.16 billion.

Market Share of Leading Payment Networks

• Visa holds a 52.2% global credit card market share in 2025, with Mastercard at 21.6% and Amex at 15%.

• American Express commands 25.1% of the global premium segment, processing $1.72 trillion in transactions and earning $53.2 billion in revenue for 2025.​
• UnionPay accounts for approximately 36% of global card transactions, while M-Pesa dominates Kenya’s domestic mobile money market with over 90.9% share.
• PayPal processed $443.5 billion in total payment volume for Q2 2025, with active accounts climbing to 438 million globally.​
• Apple Pay controls 49% of U.S. mobile wallet users and is accepted at 85-90% of U.S. merchants in 2025.​
• BitPay processed $1.38 billion in crypto payments and 3.8 million transactions in 2025, with 22 new cryptocurrencies supported.​
• In Africa, M-Pesa holds 90.9% of mobile money transactions, while Airtel Money retains 9.1% market share with 47 million users in June 2025.​

Revenue and Transaction Volumes

• The global payments industry generated $2.5 trillion in revenue in 2025, with a projected 4% annual growth rate.​
• Visa’s transaction volumes reached $14.5 trillion in 2025, securing its position as market leader.​
• Mastercard’s gross dollar volume climbed to $9.2 trillion in 2025, supported by a 9% year-over-year increase.​
• PayPal’s revenue hit $32.2 billion in 2025, while active accounts surpassed 438 million globally.​
• Digital wallets contributed 50% of global e-commerce sales value, totaling over $2.95 trillion in 2025.​
• The average value of a retail cross-border transaction is estimated to be in the $600–$720 range in 2025, varying by sector, with higher averages seen in B2B payments.
• Real-time payment systems processed over 107 million transactions in Q2 2025 alone (specifically the U.S. RTP network), with a 195% year-over-year value jump to $481 billion.

Situations When Consumers Want to Use Biometrics

• 72% of consumers are interested in using their digital identity for healthcare interactions, such as verifying identity with hospitals or clinics.
• 68% of consumers would use their digital identity for government services, including paying taxes or receiving financial aid.
• 67% of consumers are open to using their digital identity for online purchases, enhancing checkout security and convenience.

Regional Analysis of Payment Network Usage

• North America’s digital wallet adoption hit 76% of consumers in 2025, with consistent growth in monthly active users.
• In Europe, 88% of card payments were contactless in 2025, supported by strong regulation and widespread NFC use.
• China captured over 90% of global mobile payment transactions in 2025, with Alipay and WeChat Pay processing $20.1 trillion and holding 95% of the market.
• India’s UPI processed 20.01 billion transactions in August 2025, with the annual FY2025 total reaching 185.8 billion transactions worth ₹199.89 trillion, powering 82% of real-time payments.
• Africa’s mobile money ecosystem reached 562 million users in 2025, handling $495 billion in yearly transactions.
• Latin America saw 60% of consumers adopt digital payments in 2025, while cash use dropped to 31% across the region.
• Southeast Asia’s digital payments market is projected to hit $3 trillion by the end of 2025, expanding at an 18% CAGR.​

Increasing Use of Digital Payments

• Over 89% of global POS transactions in 2025 are cashless, signifying a sharp move toward digital payment methods.
• ​In the United States, 65% of adults actively use digital wallets as of mid-2025.​
• 46% of small businesses worldwide accept mobile payments in 2025.​

• QR code payments reached $3.0 trillion worldwide in 2025, with Asia-Pacific accounting for 60% of total volume.​
• Mobile money usage in Sub-Saharan Africa hit 40% of adults in 2025, with regionwide account ownership rising to 58.2%.​
• E-commerce payments now constitute over 70% of all digital transactions globally, driven by the ongoing expansion of online shopping.​
• Super apps are increasingly popular in the Asia-Pacific region, where 65% of users prefer all-in-one platforms. They significantly contribute to mobile wallet adoption, which is projected to reach $14 trillion globally in 2025.

Security Advancements

• Global payment fraud losses are expected to hit $50 billion in 2025, though AI and biometrics helped merchants cut fraud by 15%.
• Tokenized payments now make up 35% of e-commerce transactions, with ~80% of enterprises and 75% of financial providers using tokenization in 2025.
• Over 60% of large enterprises adopted passwordless or multi-factor authentication in 2025, while 50% use payment tokenization.
• Biometric payments are valued at $46.38 billion in 2025 and are used in an increasing share of in-store and mobile transactions.
• Real-time fraud detection saved businesses $20–22 billion in potential losses in 2025 through instant AI-driven anomaly detection.
• Blockchain cut transaction times by up to 88%, enabling cross-border settlements in under 3 minutes in 2025.
• Cybersecurity spending in financial services hit $212 billion in 2025, rising 15% year-over-year as security remains a top priority.​

Cryptocurrencies and Future Trends

• Bitcoin dominates with 42% of global crypto transactions in 2025, maintaining its lead in payment usage.
• Stablecoins (USDT, USDC, FDUSD) processed over $4 trillion in transactions from January to July 2025, making up 40%+ of all crypto payments.
• Visa and Mastercard now support crypto-linked cards for millions of merchants, including over 60 million Bitget Wallet Card users worldwide.
• CBDC development expanded in 2025, with 49 countries in pilot stages and 4 countries (Jamaica, Bahamas, Nigeria, Zimbabwe) fully launched.
• Global crypto ATMs surpassed 45,000 installations in 2025, improving fiat-to-crypto access and convenience.
• Blockchain-based payments cut remittance costs by 40–80%, enabling faster, cheaper global money transfers.​

Global Currency Shares in Cross-Border Trade Settlements

• The US Dollar (USD) remains the leading currency for global trade settlements, accounting for approximately 47%–48% of total transactions according to the latest 2025 data from the IMF and Federal Reserve.
• The Euro (EUR) continues as the second most-used currency, holding a share of about 23%–25% in cross-border payments and trade, as reported by the IMF and European Central Bank.
• The Chinese Yuan (CNY) has seen significant growth, now representing around 4%–5% of global cross-border settlements, based on data from the IMF and China’s State Administration of Foreign Exchange.
• These figures confirm that while the dollar’s dominance persists, there is a consistent increase in the use of the yuan and a steady presence of the euro in international trade.

Cross-Border Payments

• Cross-border payment flows are projected to surpass $194 trillion in 2025, driven by expanding global trade and e-commerce.
• Fintechs like Wise and Payoneer cut transaction fees by up to 85%, charging under 1% per transaction compared to traditional banks.
• RippleNet’s On-Demand Liquidity achieved settlement in as fast as 10 seconds for 93% of global transfers in 2025, far ahead of SWIFT’s 1–3 business days.
• Over 70% of businesses in developed markets use digital platforms with embedded finance for international payments.
• The global remittance cost averaged 4.26% in Q1 2025, down from 7.36% in 2020, advancing UN sustainability targets.
• Europe accounted for 46% of global retail cross-border payments in 2024, with B2B outbound volumes forecasted to reach $25.9 trillion by 2032.
• ISO 20022 standards gained universal adoption in 2025, enabling seamless global payment interoperability ahead of the November 2025 deadline.​

Mobile Payment Adoption

• Global mobile payment adoption reached 3.2 billion users in 2025, with NFC-enabled mobile wallets projected to surpass 2 billion active users globally by 2025, showing strong growth across Asia, Latin America, and Africa.
• Apple Pay held a 49% US market share in 2025, serving over 65.6 million users and accounting for 53.7% of in-store mobile wallet transactions.
• Alipay and WeChat Pay controlled 95% of China’s mobile payments, serving 1.38 billion WeChat users and 980 million Alipay users.
• India’s UPI-driven mobile payments grew 18% in 2025, surpassing 130 billion transactions and making up over 75% of national volumes.
• Latin America’s mobile payment market grew at a 13–14% CAGR in 2025, led by Brazil and Mexico.
• Contactless payments now represent approximately 45% of all card transactions worldwide, with NFC-based contactless payments accounting for 58–65% of in-store digital transactions in the U.S., exceeding $17 trillion in global transaction value.
• Mobile wallet loyalty programs boosted engagement, with 65% of users preferring apps offering rewards and real-time benefits.​

Challenges in the Payment Industry

• Global payment fraud losses are expected to exceed $50 billion in 2025, despite continued investment in fraud prevention technologies.
• Small businesses pay 1.5%–3.5% of revenue in processing fees, with online gateway costs averaging 2.9% + $0.30 per transaction.
• Interoperability challenges persist across 45–50% of cross-border payment corridors due to non-standardized payment protocols.
• Cyberattacks on payment networks rose by 18% year-over-year in early 2025, with ransomware and phishing as the leading threats.
• 42% of businesses cite technology costs and change management as the main barriers to digital payment adoption.
• 73% of global payment providers report ongoing or new compliance issues caused by complex, divergent regulations.
• Blockchain-related energy use remains high at 110–120 terawatt hours annually, driving adoption of Proof-of-Stake and carbon-neutral solutions.​

Payment Failures and Their Impact

• Failed payment transactions are expected to cost businesses over $129 billion globally in 2025, driven by abandoned purchases and declined authorizations.
• Real-time payment outages impacted 15% of global financial institutions in 2025, causing transaction delays and operational risks.
• Over 60% of failed transactions result from insufficient funds, expired cards, or incorrect payment details.
• Payment disruptions caused an average of 22 minutes of downtime per incident in 2025, damaging customer trust and retention.
• Refund delays left 34–35% of consumers dissatisfied, increasing complaints and reputational risks for providers.
• Mobile payment platforms saw a 7% failure rate in emerging markets due to poor internet and infrastructure.
• Businesses lost an average of 12% of repeat customers in 2025 because of unresolved payment issues and poor handling.​

Recent Developments

• Visa acquired Pismo for $1 billion in July 2025, expanding real-time payment support across Latin America, Asia-Pacific, and Europe.
• Mastercard launched AI-powered fraud detection in 2025, cutting fraud rates by up to 20% and blocking suspicious transactions in under 50 milliseconds.
• PayPal integrated PYUSD stablecoin into the Stellar network in September 2025 to enable global business payments and instant settlements.
• Alipay and Tencent’s Weixin Pay launched China’s Cross-border Interconnection Payment Gateway, linking 31 wallets from 12 regions for tourists and expats.
• The EU advanced its digital euro project in 2025, releasing the “Rulebook” in October and launching a public pilot to promote CBDC adoption.
• Amazon Pay expanded BNPL installment options across thousands of online stores and added biometric palm recognition for in-store payments.
• The UN and fintech partners aimed to cut global remittance costs by 25% in 2025, bringing fees to 4.6% as fintechs handle 60% of all transfers.​

Frequently Asked Questions (FAQs)

Conclusion

As global payment networks continue to evolve, they reshape how businesses and consumers interact financially. With digital wallets, real-time payments, and blockchain technology leading the charge, the landscape is becoming more inclusive, secure, and innovative. Despite challenges like cyberattacks and payment failures, industry advancements promise a future of seamless, interconnected financial systems. From the rise of cryptocurrencies to the integration of fintech solutions, today marks a pivotal year for payments worldwide.

The post Global Payment Network Statistics 2025: Surprising Trends Revealed appeared first on CoinLaw.

Editor’s Choice

• 25 billion transactions annually on the Braintree platform.
• Braintree holds approximately 5.21% market share in the payments-processing category in 2025.
• The platform supports merchants in 200+ markets around the globe.
• In PayPal’s unbranded card-processing segment, which largely covers Braintree, volume growth slowed to 2% in Q4 2024.
• Braintree has an estimated 1.92% share in the payment-management market (2025 estimate).

Recent Developments

• In October 2025, Braintree introduced a new Network Release Guide outlining 10+ compliance and fee updates, covering card scheme adjustments and regulatory mandates.​
• PayPal’s CFO confirmed in December 2024 that Braintree’s unbranded business will slow in volume growth to improve profit margins, marking a “value over volume” shift.​
• Braintree’s unbranded payment volume growth declined from 11% in Q3 2024 to approximately 2% in Q4 2024 as PayPal strategically prioritized profit margins over volume growth through contract renegotiations with high-volume clients.
• The April 2025 fee update included Mastercard acquirer fee adjustments from 0.13% → 0.14%, impacting international settlement costs.​
• Starting January 13, 2025, PayPal and Braintree raised fees on Advanced Credit/Debit Payments from 2.59% → 2.89% and BNPL to 4.99% + $0.49, citing growing demand.​
• PayPal’s “Fastlane” checkout system, integrated through Braintree, boosts guest checkout conversion by 0.5 percentage points on average.​
• Braintree’s redesigned API now automates card updates in vaults and reduces failed transactions by up to 15% through enhanced verification.​
• Compliance improvements emphasize 3D Secure (PSD2) support through Braintree.js, ensuring stronger EU transaction authentication.​
• Braintree’s profitability push raised transaction margins by 8% in Q2 2025, helping offset slower total processing volume.​
• PayPal anticipates Braintree’s revenue baseline to reset in late 2025, stabilizing after intentional contract renegotiations with high-volume clients.​

Braintree Customer Demographics

• Around 27% of users on Braintree-supported websites are aged 25–34, while 20% fall within the 35–44 age group. Another 18% are aged 18–24, showing strong engagement among younger adults.
• Users aged 45–54 make up 21% of the total, followed by 9% in the 55–64 range. Only 5% are aged 65 and above, indicating lower participation among older users.
• The gender split shows about 55% male and 45% female users. This highlights a slightly higher male user base across Braintree-supported platforms.

Payment Methods Accepted

• Merchants can enable PayPal, Apple Pay, Google Pay, and, for U.S. merchants, Venmo, directly through Braintree’s SDK integrations.​
• The platform processes credit and debit cards as credit transactions online, simplifying authorization flows for merchants.​
• Local Payment Methods (LPMs) include BLIK, Bancontact, Multibanco, and OXXO, each available only in specific countries and currencies.​
• OXXO payments in Mexico allow customers up to 3 days to complete offline cash payments before expiration.​
• Prices for standard U.S. merchants are 2.59% + $0.49 for cards and 3.49% + $0.49 for Venmo transactions, with 0.75% for ACH direct debit.​

Distribution of Companies Using Braintree by Company Size

• Small businesses dominate Braintree’s user base, with 6,983 companies having 1–10 employees.
• Firms with 10–50 employees account for 5,879 users, showing strong adoption among growing startups.
• Mid-sized companies (50–200 employees) represent 3,130 users, indicating solid traction in the SME segment.
• Only 612 companies have 200–500 employees, suggesting fewer mid-tier enterprise integrations.
• Large organizations (500–1,000 employees) make up 254 users, reflecting limited enterprise-scale use.
• Around 221 companies with 1,000–5,000 employees use Braintree, highlighting selective corporate adoption.
• Very large firms with 5,000–10,000 employees account for just 63 users.
• The largest enterprises (>10,000 employees) total 113 users, showing Braintree’s niche presence in global-scale corporations.
• Overall, the data shows that over 80% of Braintree’s client base comes from small and mid-sized businesses, reinforcing its reputation as a developer-friendly payment solution for agile companies.

Currency Support Statistics

• Supported currencies include USD, GBP, EUR, CAD, AUD, JPY, and many emerging-market options like BRL, INR, and ZAR.​
• Braintree automatically converts payments made in foreign currencies into the merchant’s default settlement currency, applying standard exchange markups.​
• Transactions made in non-USD currencies are subject to an additional 1% international fee, with possible 3% conversion charges for different currencies.​
• Merchants can request dedicated accounts for high-volume currencies such as USD, GBP, and EUR for better settlement rates.​
• Cross-border card transactions incur an extra 1% fee when issued outside the merchant’s home country.​
• Currency acceptance depends on PayPal merchant region setup, meaning some currencies may require approval or custom settlement mapping.​
• Multi-currency accounts allow merchants processing over £50,000 per month (UK) or €60,000 per month (EU) to qualify for lower rates.​

Conversion Rates and User Behavior

• Global e-commerce conversion rates in 2025 range from 2%–4%.
• Desktop conversion averages around 3.2%, mobile ~2.8%.
• Another benchmark shows desktop at 3.9%, mobile at 1.8%.
• Cart abandonment on mobile is ~77.2%, desktop ~68.1%.
• Digital wallets and tokenisation help improve mobile conversion.
• Desktop upsell acceptance ~28.9%, mobile ~18.7%.
• Repeat buyer conversion improves with tokenised payments.
• Payment method performance influences conversion.
• Conversion benchmarks are indicative for Braintree merchants.

Braintree vs Stripe Comparison

• Stripe leads with ~34.8% of the global payment-management software usage market, while Braintree holds around 1.92%.
• In payments processing, Braintree is used by approximately 33,400+ websites globally, while Stripe is on over 1 million websites.
• Braintree pricing: 2.59% + $0.49, Stripe: 2.9% + $0.30.
• Braintree supports more than 45 countries, and Stripe supports about 34.
• Stripe focuses on developer-first APIs, Braintree on enterprise payments, and PayPal integration.
• Stripe processed ~$1.4 trillion in 2024; Braintree is slower-growing.
• Stripe fits fast-scaling platforms, Braintree suits established businesses.
• The competitive gap is significant, but both serve unique niches.

Top Competitors and Alternatives

• PayPal’s overall digital payments market share stands at 45%, with Braintree representing its enterprise-level, unbranded processing arm.​
• Braintree’s unbranded payment processing grew 30% year-over-year, outperforming PayPal-branded checkout growth of 6.5%.​
• Competing platforms include Stripe (~34.8%), Shopify Pay (~66.85%), PayPal (~31.65%), Adyen (5.49%), and Venmo (~9.49%) by usage segments.​
• Stripe and Braintree both serve enterprise-level developers, but Stripe maintains roughly 10× more active users globally.​
• Braintree ranks around 7th among U.S. payment gateways for SMBs, trailing platforms like Shopify Pay and Stripe in adoption rate.​
• Across sectors, 41.15% of Braintree users are U.S.-based, with an increasing presence in the UK (6.5%) and India (5.4%).​
• Adyen processes between €800 billion and €900 billion annually, positioning it significantly ahead of Braintree in global volume terms.​

Total Number of Braintree Websites by Country

• The United States leads all countries with 12,107 websites using Braintree, reflecting the platform’s strong dominance in the North American e-commerce and digital payments market.​
• The United Kingdom ranks second with 1,037 websites using Braintree, demonstrating substantial adoption across British e-commerce businesses and enterprises.​
• Germany hosts 384 websites on Braintree, making it the third-largest market and highlighting the platform’s penetration into Europe’s largest economy.​
• Spain emerges as a growing market with 279 websites, showing Braintree’s expansion into Southern European e-commerce sectors.​
• In the Asia-Pacific region, Australia leads with 257 websites, followed by Singapore with 186 websites, indicating strong adoption in developed APAC markets.​
• France accounts for 215 websites using Braintree, while Canada has 209 websites, showing comparable adoption rates in both French-speaking and North American markets.​
• Israel has emerged as a notable market with 187 websites, reflecting the country’s strong fintech and tech startup ecosystem, adopting Braintree’s payment solutions.​
• Italy rounds out the top ten countries with 177 websites using Braintree, demonstrating the platform’s steady presence in Southern Europe.
• ​The geographic distribution shows Braintree’s strongest concentration in North America and Europe, with emerging adoption in Asia-Pacific and Middle Eastern markets like Israel and Singapore.​

Braintree Drives PayPal Growth

• PayPal Q2 2025 TPV reached $443.5 billion, up 6% YoY.
• Transaction margin dollars grew 8% to ~$3.5 billion.
• Unbranded processing, including Braintree, is slowing to improve margins.
• Braintree renegotiations may cause a ~5-point revenue growth headwind in 2025.
• Unbranded growth slowed to ~2% in Q4 2024.
• PayPal aims to grow profit over volume through Braintree.
• Braintree contributes meaningfully to PayPal’s margin expansion.
• It is now part of PayPal’s value-over-volume strategy.

Technology Integrations and Partnerships

• PayPal’s 2025 Verifone partnership integrates Braintree to unify in-store and online payments under the PayPal Open umbrella, expanding global omnichannel coverage.​
• The joint PayPal–Verifone network supports enterprise merchants across retail, grocery, and hospitality, covering 50+ markets with localized payment routing.​
• Braintree integrates with PayPal, Venmo, Apple Pay, Google Pay, and hundreds of third-party tools, including Shopify, NetSuite, and Zuora.​
• The new omnichannel framework helps merchants increase authorization rates by up to 15% through dynamic routing and acquirer optimization.​
• Through Magestore’s Braintree POS, merchants gain a unified checkout system supporting BOPIS, BORIS, and in-store refunds, bridging online and offline experiences.​
• Braintree’s Vault tokenization secures customer data across multiple channels, compliant with PCI DSS Level 1 standards for enterprise merchants.​
• The integration ecosystem exceeds 200+ prebuilt connectors, including ERP, CRM, and accounting platforms, enabling streamlined data synchronization.​
• PayPal’s new Fastlane integration, developed alongside Braintree, boosts guest checkout speed by 36%, enhancing conversion rates for merchants.​

Revenue and Transaction Volume

• PayPal’s Q2 2025 TPV hit $443.5 billion, revenue $8.29 billion.
• Braintree renegotiations are expected to reduce 2025 revenue growth by ~5 points.
• Growth slowed from 29% to ~2% in one year.
• Higher-margin contracts are now prioritized over raw volume.
• ~$6 billion in share buybacks supported by payment business cash flows.
• Operating margins rose to ~19.8% aided by the payments business.
• Braintree’s impact lies in strategic enterprise alignment.

Frequently Asked Questions (FAQs)

Conclusion

As we’ve seen across these data-driven sections, Braintree occupies a nuanced position in the global payments ecosystem. On one hand, it offers broad currency support, global reach, enterprise integrations, and access through its parent company, PayPal. On the other hand, it competes in a fiercely contested space, with competitors like Stripe far larger in volume and market share.

The post Braintree Statistics 2025: Growth, Trends & Facts appeared first on CoinLaw.

Editor’s Choice

• Over 14.7 billion EMV chip cards were in circulation globally by Q4 2024, marking 7% year-over-year growth.
• In the US, 96.2% of card-present transactions in 2025 used EMV chip technology, showing near-total adoption.
• Global EMV compliance reached 71.98% of issued cards in 2025, highlighting expanding worldwide adoption.
• Card-present fraud dropped 87% since EMV’s launch, with retailers seeing a 72% fall in fraudulent transactions by 2025.
• Over 80% of global card payments in 2025 were contactless EMV transactions, signaling a major consumer shift.
• The global EMV chip card market, worth $26.67 billion in 2025, is projected to hit $60.11 billion by 2034 with a 9.48% CAGR.
• Dual-interface EMV cards made up 65% of all issued EMV cards in 2025, confirming their strong global demand and versatility.​

Global Cards & Payments Market Highlights

• The global cards and payments market is projected to grow to $1,140.12 billion in 2025, supported by digital transformation and cashless transaction adoption.
• Between 2024 and 2029, the market is expected to expand at a compound annual growth rate (CAGR) of 8.9%, signaling sustained momentum.
• By 2029, the total market value is forecasted to hit $1,604.85 billion, adding over $550 billion in new value within five years.

EMV Payments Adoption

• 96.2% of global card-present transactions in 2025 are conducted using EMV chip cards, a new record for secure payments worldwide.
• The US now achieves 95% EMV chip adoption for card-present payments in 2025, driven by liability shifts and security upgrades.
• Europe leads with a 99% EMV transaction adoption rate in 2025, solidifying its position as the global standard bearer.
• The APAC region leads in contactless EMV adoption with 1.9 billion cards issued to date, reflecting rapid digital integration.
• Brazil reports a 95.6% usage rate for EMV-enabled payment terminals in retail, maintaining regional leadership.
• 72% of US SMEs have deployed EMV terminals in 2025, showing accelerated uptake among small businesses.
• From 2023 to 2025, EMV-based contactless card usage grew by 37% across public transit systems in major cities such as London, New York, and Singapore, driven by tap-to-pay initiatives.
• Global EMV chip card issuance jumped 14.2% in 2025, achieving the fastest annual growth rate in digital payment history.

Global Adoption Rates

• 98% EMV adoption rate in Europe for all payment terminals in 2025, cementing its leadership in secure transactions.
• Latin America and the Caribbean hit 95% adoption in 2025, propelled by major infrastructure upgrades.
• The Asia-Pacific region accounts for 40% of global EMV chip card issuance in 2025, with China and India leading deployment volumes.
• Middle East and Africa’s EMV adoption climbed to 76% in 2025, demonstrating rapid digital progression.
• The US reached 95% EMV adoption for card-present transactions by 2025, a ninefold increase since 2015.
• Globally, 96% of ATMs are now EMV-enabled in 2025, reinforcing cardholder security for withdrawals.
• Canada stands at 100% EMV compliance for payment terminals in 2025, setting the North American benchmark.
• Australia reports a 89% rise in dual-interface EMV cards issued in 2025, accelerating contactless tech usage.

Smart Card Manufacturer Market Share Data

• CPI Card Group Inc. leads the market with an 18% share, making it a key player for both payment and identification cards.​
• American Express Company follows closely at 17%, underscoring its strong presence in financial services-related smart card issuance.​
• Inside Secure SA controls 10% of the market, focusing on security-enhanced solutions for digital transactions.​
• Atos SE and NXP Semiconductors NV each account for 9%, reflecting their influence in both hardware and secure embedded technology sectors.​
• Giesecke & Devrient and Infineon Technologies AG report shares at 8% each, positioning them as major providers in secure ID and payment technologies.​
• Gemalto, now part of Thales, holds a 7% market share, shifting from its earlier position as the historical market leader.​
• Texas Instruments Inc. maintains a significant niche with a 6% share, emphasizing its role in semiconductor and embedded applications.​
• The “Other manufacturers” category, which encompasses a wide range of emerging and regional companies, collectively makes up 8% of market share.​

Security Enhancements and Fraud Reduction

• Card-present fraud in the US has dropped by 87% since EMV chip cards, maintaining one of the lowest rates globally in 2025.​
• Global payment fraud losses in 2025 exceeded $50 billion, despite a 30% drop from the pre-EMV era.​
• Retailers using EMV terminals have seen a 72% reduction in fraudulent transactions with continued enhancements in 2025.​
• Dynamic EMV chip authentication blocks 99.9% of cloned card attacks, maintaining strong defense over magnetic stripe methods.​
• EMV technology saved the European Union $2.8 billion in fraud-related costs in 2025, an all-time high.​
• Cross-border EMV transactions in 2025 record a 62% lower fraud rate versus non-EMV payments worldwide.​
• Businesses upgrading with EMV report a 58% jump in customer trust and satisfaction as fraud rates declined further in 2025.​

Technological Developments and Innovations

• Biometric EMV cards with fingerprint sensors represented 62% of premium banking launches in Europe and Asia-Pacific in 2025.
• Dual-interface EMV cards comprised over 65% of global EMV cards in 2025, fueling a $54.8 billion omni-channel payments market.
• Next-gen EMV chips reduced transaction times by 43% in 2025, completing in-store payments in under 0.7 seconds.
• AI-powered EMV fraud detection was used by 60% of financial institutions in 2025, boosting accuracy by 38% and cutting false alerts.
• EMV integration with mobile wallets secured 80% of digital payment systems by mid-2025, enabling smooth Apple Pay and Google Pay usage.
• Tokenized EMV transactions made up 35% of e-commerce payments in 2025, reducing chargebacks by 22% and fraud losses to $18 billion annually.
• Green EMV cards from recycled materials exceeded 70 million issued in 2025, introducing PVC-free and wooden alternatives for sustainability.
• By Q3 2025, around 40% of high-volume retail sites in developed markets used 5G-enabled EMV terminals for real-time cloud authentication.

Contactless Payment Benefits

• Retailers with contactless payment systems see a 12% boost in transaction volume and an 18% increase in basket size from streamlined checkout experiences.
• EMV contactless technology protects users with dynamic cryptograms and has cut NFC fraud rates by 26%, strengthening security for billions worldwide.

• In 2025, over 80% of global card transactions are contactless, as tap-and-go technology drives the $35.4 billion market size.
• Contactless EMV payments cut transaction times by 30%, leading to a 20% faster checkout speed and higher customer satisfaction for retailers.
• The global issuance of contactless EMV cards rose by 23% in 2025, exceeding 5.2 billion cards in circulation.
• 66% of U.S. consumers report using contactless payments regularly in 2025, marking strong adoption and a trend toward digital wallets.
• Contactless EMV payments now accepted at over 150 public transit systems globally in 2025, reducing commuter wait times by 20%.
• 97% of EMV-enabled terminals worldwide process contactless payments in 2025, up from 94% in 2024, reflecting global infrastructure upgrades.

Regional Deployment Statistics

• Europe leads with 97% EMV compliance across payment terminals in 2025, maintaining its global benchmark for secure payments.​
• North America hit 95% EMV adoption for card-present transactions, with over 1.5 billion EMV cards issued by mid-2025.​
• The Asia-Pacific region holds 40% of global EMV card issuance, with rapid growth in India, China, and Southeast Asia markets.​
• South America reached 92% EMV compliance, fueled by robust adoption in Brazil, Chile, and Mexico.​
• The Middle East now achieves 95% EMV adoption in top markets like UAE, Saudi Arabia, and Qatar, up from 72% in 2023.​
• African nations improved to 65% EMV adoption in 2025, driven by digital inclusion and strategic partnerships with major banks.​
• Canada retains 99%+ EMV deployment, ensuring secure transactions and setting standards for North America.​
• China leads with over 4.1 billion EMV chip cards issued in urban centers, reinforcing its status as the world’s fastest-growing card market.​

EMV and Its Digital Payment Infrastructure

• 85% of digital wallets globally support EMV tokenization in 2025, delivering safe mobile and online payments for over 2.8 billion consumers.​
• Integrating EMV tokenization into online transactions helped reduce e-commerce fraud losses by 25% globally in 2025, particularly in markets with high contactless and mobile wallet adoption.
• EMV-enabled systems power 77% of all U.S. mobile payments in 2025, reflecting widespread integration into top banking and fintech apps.​
• Real-time EMV-enabled payments climbed 51% in 2025, with instant peer-to-peer and B2C transactions defining the digital payment landscape.​
• NFC-based EMV technology drives 48% of global mobile transactions in 2025, strengthening leaders like Google Pay and Apple Pay.​
• Cross-border digital EMV payments grew 63% in 2025, streamlining international commerce and travel with secure settlement.​
• 5G-powered EMV terminals now process payments in under 1 second at urban locations, driving high-speed retail adoption.​
• Banking apps using EMV standards saw a 36% rise in user adoption in 2025, as convenience and enhanced security attract new users.​

Recent Developments

• Biometric-enabled EMV cards surpassed 24 million global users in 2025, fueled by rising security adoption and fintech expansion.
• Visa and Mastercard achieved 98% global EMV terminal compliance by mid-2025, nearing universal payment acceptance.
• Banks issued EMV cards made with 72% recycled materials in 2025, introducing 35 million new eco-friendly cards.
• EMV-enabled wearables rose 48% in usage in 2025, surpassing $78 billion in transaction value and reflecting portable payment growth.
• The ISO 20022 standard covered 38.5% of global cross-border payment traffic by April 2025, improving EMV-FI interoperability.
• Contactless EMV payments in rural areas surged 34% in 2025, supported by government-led digital modernization efforts.​

Frequently Asked Questions (FAQs)

Conclusion

EMV chip technology has become the backbone of secure and convenient payment systems worldwide. With its ability to reduce fraud, facilitate contactless transactions, and integrate seamlessly into digital platforms, EMV is shaping the future of payments. As regions and industries continue adopting this technology, consumers can expect safer, faster, and more innovative ways to pay. The journey of EMV chip cards is far from over, and its role in transforming global commerce is only just beginning.

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