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At 12, Apple Pay Has Yet to Break the Card Habit In-Store

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At 12, Apple Pay Has Yet to Break the Card Habit In-Store

Your phone can handle the checkout. Your hand may still reach for the same old card. Twelve years after Apple Pay arrived, mobile wallets are gaining users, but familiar payment habits still have a firm grip on the register.

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“Apple Pay @12: Mobile Wallets Gain Ground, but Most Shoppers Still Tap a Card” is a PYMNTS Intelligence exclusive report. Based on a survey of 2,458 U.S. consumers conducted from Aug. 20 to Sept. 9, 2026, it explores how shoppers use mobile wallets and choose their payment methods. It also estimates how much in-store spending Apple Pay could reach.

The findings reveal an opening for banks, merchants and wallet providers. More consumers are paying by phone. Some already favor a wallet over a tap-to-pay card. Others have yet to make the switch, even with compatible phones and stores ready to accept their payments. Understanding those differences can help businesses identify where to focus their efforts.

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For payment executives, the report offers a closer look at the decisions behind each tap. It connects growing wallet use with the practical realities of household budgets and card preferences.

Download the report to see where mobile wallets are gaining ground and where your business could earn a bigger role in shoppers’ daily routines.


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