Local payment methods in North America

Part 3 of the global payment methods guide created by Adyen to help businesses expand globally.

North America

North America (the US, Canada and Bermuda) is home to over 357 million people with a total GDP of 19.6 trillion USD. There are currently 223 million people shopping online, with 30 million more new users expected by 2021.


Canada is the global leader in cross-border ecommerce for retail, with cross-border purchases accounting for 75% of all online transactions. Not surprisingly, most of these purchases are made from businesses located in the US.

Credit cards still remain the preferred payment method, followed by Interac and ewallets. Whilst Interac is a local direct debit scheme, it also supports online banking, which can also be used for online purchases.

Popular payment methods in Canada

Adyen tip

Not only are Canadian shoppers exceptionally open to cross-border ecommerce, particularly with US businesses, but no local entity is required, even when using Interac. This makes it an exceptionally easy market to enter. Adyen covers all payment methods and has a direct connection to a local acquirer.

United States

As the largest and best developed ecommerce market in the world, the US represents a huge opportunity.

It has a relatively straightforward payments environment, dominated by cards. It’s home to many major international card schemes (Visa, Mastercard, American Express, Discover, and Diners) and so full market penetration can be realized through card acquiring alone. Adyen offers local acquiring in the US.

Popular payment methods in the US

Adyen tip

Apple Pay, Google Pay and Samsung Pay have been generating a lot of attention, particularly around mobile payments at the point of sale. Adyen offers a full service Apple Pay and Google Pay solution, including reconciliation, reporting and settlement services.

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