Scale faster across North America’s $2 trillion e-commerce market
Build a payments experience for the next generation of North American consumers
North America offers huge opportunities for merchants looking to scale globally, but in a highly competitive market, offering the right payments experience is critical to success.
Although cards are still widely used for online payments, changing consumer expectations are accelerating digital wallet adoption and driving new payment behaviours.
PPRO helps you reach millions of consumers in the region with a single, easy-to-implement integration.
North America by the numbers
North America’s evolving payments landscape
Shifts in consumer behaviour and technology are introducing new market dynamics in North America, with digital wallets, account-to-account payments, and buy now, pay later (BNPL) growing in relevance.
Digital wallets are set to dominate
Digital wallets are expanding rapidly and are forecast to become the leading e-commerce payment method in North America, accounting for 41% of market volume. In the US, the share of digital wallets used for e-commerce transactions has already surpassed that of cards, with widely adopted wallet solutions such as PayPal, Venmo, and Amazon Pay continuing to shape consumer expectations for convenience and speed.
BNPL is gaining momentum
BNPL has grown in popularity among younger consumers. According to a J.D. Power study, 42% of Gen Z and Millennial consumers use BNPL, signalling a shift towards flexible instalment-based payments. Payment methods such as Afterpay and Zip are helping accelerate this shift by offering consumers budget-friendly payment options at checkout.
Reach the next generation of US shoppers with Cash App Pay
PPRO brings Cash App Pay, one of the most widely used consumer finance apps in the United States, to merchants and PSPs through a single integration. Designed for how Americans shop today, Cash App Pay helps merchants reach digitally native consumers who expect speed, simplicity, and convenience at checkout.
Why Cash App Pay matters
Modern, mobile-first payments
Shoppers can pay directly from their Cash App balance, linked bank account, or debit card, without needing a physical card.
Access to the next generation of shoppers
Cash App has 58 million monthly active users in the US. 72% of users are Millennials or Gen Z, and nearly half earn more than $75,000 annually.
Inclusive financial reach
Cash App Pay is popular with consumers underserved by traditional credit. With an estimated 47 million Americans considered subprime, accessible, app-based financial solutions play a key role in expanding inclusion.
Fast, secure checkouts
Cash App Pay supports QR-based and one-click online payments, with tokenised credentials and biometric verification enhancing security and reducing friction.
Optimise payments performance with PPRO
Merchants that want to win in North America need more than card acceptance – they need performance, flexibility, and the ability to adapt as payment behaviour evolves.
Build once, scale continuously
From locally preferred BNPL providers to digital wallets, access the payment methods that matter in North America via a single integration.
Grow conversion rates
Features like tokenisation and account updater maximise performance in a highly competitive market.
Access emerging payment methods
Quickly launch innovative payment options such as Cash App Pay without complex integrations.
Perform at scale
Rely on PPRO’s global infrastructure, even when traffic peaks.
Ready to unlock growth in North America?
Tap into opportunities across North America’s e-commerce market with PPRO. With access to the local payment methods that matter, we help you navigate the payments landscape of today and get ready for what’s next.
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