Countries by made a digital merchant payment, adults, 2024
Mongolia had the highest made a digital merchant payment, adults of 97 countries in 2024, at 94.94%. Madagascar had the lowest, at 2.42%. The median was 20.31%. Source: the World Bank.
Map of countries, 2024
- Under 7
- 7 to 12
- 12 to 20
- 20 to 35
- 35 to 52
- 52 and over
- No data
Top 40 countries, 2024
Full ranking
About this ranking
Percentage of respondents aged 15 and over who used a debit or credit card, or a phone, to pay for a purchase in a store or an online purchase in the past 12 months.
Global Findex survey estimates for people aged 15 and over, or the named subgroup. Percentages use all respondents in that population, not only savers, borrowers or account owners. Only published survey years are stored; no values are interpolated or carried forward. The 2025 edition reports 2024 fieldwork. Some earlier-wave surveys were conducted in 2022; the publisher year labels are retained. In 2024, account and debit-card ownership were asked more widely than other financial-use questions, so available years vary by measure and economy. Survey coverage and questions can change between waves.
Every value in the ranking comes from the same publisher and the same period, so the countries are compared on one definition. 6 countries with data in other periods have no value for 2024 and are left out rather than filled from another source. Equal values share a rank.
How to cite
World Bank, Global Findex Database. Global Findex: Made a digital merchant payment (% age 15+) (merchant.pay). https://api.worldbank.org/v2/country/all/indicator/merchant.pay?format=json&per_page=20000&date=2011:2024&source=28. Retrieved 2026-10-12. Licensed under CC BY 4.0.Citation styles
APA 7
World Bank. (2025). Global Findex: Made a digital merchant payment (% age 15+) (merchant.pay) (Countries by made a digital merchant payment, adults, 2024) [Data set]. Retrieved October 12, 2026, from https://api.worldbank.org/v2/country/all/indicator/merchant.pay?format=json&per_page=20000&date=2011:2024&source=28
MLA 9
Global Findex: Made a digital merchant payment (% age 15+) (merchant.pay), Countries by made a digital merchant payment, adults, 2024. World Bank, 6 Oct. 2025, https://api.worldbank.org/v2/country/all/indicator/merchant.pay?format=json&per_page=20000&date=2011:2024&source=28. Invokely, https://invokely.ai/rankings/made-digital-merchant-payment-adults/countries. Accessed 12 Oct. 2026.
Chicago (author-date)
World Bank. 2025. Global Findex: Made a digital merchant payment (% age 15+) (merchant.pay). Countries by made a digital merchant payment, adults, 2024. Dataset. Accessed October 12, 2026. https://api.worldbank.org/v2/country/all/indicator/merchant.pay?format=json&per_page=20000&date=2011:2024&source=28. Also distributed by Invokely, https://invokely.ai/rankings/made-digital-merchant-payment-adults/countries.
Harvard
World Bank (2025) Global Findex: Made a digital merchant payment (% age 15+) (merchant.pay), Countries by made a digital merchant payment, adults, 2024 [Dataset]. Available at: https://api.worldbank.org/v2/country/all/indicator/merchant.pay?format=json&per_page=20000&date=2011:2024&source=28, via Invokely: https://invokely.ai/rankings/made-digital-merchant-payment-adults/countries (Accessed: 12 October 2026).
BibTeX
@misc{world_countries_by_made_a_2024,
author = {{World Bank}},
title = {{Global Findex: Made a digital merchant payment (\% age 15+) (merchant.pay): Countries by made a digital merchant payment, adults, 2024}},
year = {2025},
howpublished = {Data set},
url = {https://api.worldbank.org/v2/country/all/indicator/merchant.pay?format=json&per_page=20000&date=2011:2024&source=28},
urldate = {2026-10-12},
note = {Accessed via Invokely, https://invokely.ai/rankings/made-digital-merchant-payment-adults/countries. Publisher attribution: World Bank, Global Findex Database. Global Findex: Made a digital merchant payment (\% age 15+) (merchant.pay). https://api.worldbank.org/v2/country/all/indicator/merchant.pay?format=json\&per\_page=20000\&date=2011:2024\&source=28. Retrieved 2026-10-12. Licensed under CC BY 4.0.},
}
RIS
TY - DATA
AU - World Bank
TI - Global Findex: Made a digital merchant payment (% age 15+) (merchant.pay): Countries by made a digital merchant payment, adults, 2024
PY - 2025
DA - 2025/10/06
PB - World Bank
DB - Invokely
UR - https://api.worldbank.org/v2/country/all/indicator/merchant.pay?format=json&per_page=20000&date=2011:2024&source=28
L2 - https://invokely.ai/rankings/made-digital-merchant-payment-adults/countries
Y2 - 2026/10/12
N1 - Accessed via Invokely, https://invokely.ai/rankings/made-digital-merchant-payment-adults/countries.
N1 - Publisher attribution: World Bank, Global Findex Database. Global Findex: Made a digital merchant payment (% age 15+) (merchant.pay). https://api.worldbank.org/v2/country/all/indicator/merchant.pay?format=json&per_page=20000&date=2011:2024&source=28. Retrieved 2026-10-12. Licensed under CC BY 4.0.
ER -
Use this data in your AI agent
Invokely serves this figure to AI assistants through MCP and to code through a REST API, with the source and citation attached. Ask your assistant:
Rank Countries by made a digital merchant payment, adults using official data, and cite the source.
rank_places {"indicator":"made_digital_merchant_payment_adults","level":"country","limit":10}
GET https://invokely.ai/api/v1/rank?indicator=made_digital_merchant_payment_adults&level=country&limit=10Questions
Which country has the highest made a digital merchant payment, adults?
Mongolia, with 94.94% in 2024, according to the World Bank.
Which country has the lowest made a digital merchant payment, adults?
Madagascar, with 2.42% in 2024.
Where does this ranking come from?
Every value comes from one source and one period, so the places are comparable: World Bank, Global Findex: Made a digital merchant payment (% age 15+) (merchant.pay). Retrieved 2026-10-12. 6 countries have no value for 2024 and are not ranked.