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A2A apps were a more popular payment method for consumers in Latin America than in other parts of the world in late 2022. This is according to a consumer survey held in August and September 2022, asking for different kinds of payment methods. A2A or account-to-account payments refers to direct payments from one party to the other without the need for an intermediary. Such intermediaries are card rails from the likes of Visa and Mastercard. An important example of an A2A application in Latin America is Brazil's Pix – an app developed by the country's central bank and one of the world's main brands using real-time payments technology. It should be noted that sources sometimes interpret A2A n different ways, as bank transfers (push requests) and direct debit (pull requests) can technically be a part of A2A as well. These transactions take place on a bank rail, without the need for a card intermediary. The source behind the market share of A2A payments in Latin America, for example, calculated its latest figures by combining bank transfers and direct debit figures together.

Share of respondents worldwide who used A2A payments in either POS or online payment transactions at least five times per month in 2022, by region

Characteristic	Worldwide	Asia-Pacific	Europe	Latin America	North America
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Release date

April 2023

More information

Region

Worldwide

Survey time period

August 10, 2022 to September 19, 2022

Number of respondents

16,172 respondents

Special properties

Customers with bank accounts in 13 countries, enriched with a video survey in 3 countries; Multiple answers were possible, respondents who replied with “bank transfer”, “direct debit”, or “A2A apps”

Method of interview

Face-to-face interview, online survey

Supplementary notes

This question was phrased by the source as follows: “Which of the following payment methods do you use at least 5 times per month?”

Some sources list bank transfers and direct debit as A2A payments, whereas this source specifically talks about A2A apps. One example is iDEAL for the Netherlands, an A2A payment application developed by domestic banks that relies on bank transfers to function. Consequently, Statista put the three figures on bank transfers, direct debit, and A2A apps together to avoid missing information. It should be noted this source placed checks (direct debit) and bank transfers under "traditional payment methods" as opposed to account-to-account payments being "next-generation payment methods".

The source does not specify in which 13 countries it asked its survey questions. It does add that the video survey was held for consumers from the United States, the UK, and Australia.

The source did not provide figures on Africa, the Middle East, or any individual country it had surveyed.

No information was provided on whether the numbers include P2P payments or not. As the figures concern retail transactions in either POS or e-commerce, it is assumed the figures cover C2B.

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