What’s actually slowing this PC down?
Pick the symptom - the matching free tool is one click away.
Survey evidence suggests that missing digital-wallet options can cost retailers Gen Z purchases, but it does not prove that every online store without Apple Pay or Google Pay loses customers. The clearest online-specific finding is that 56% of Gen Z respondents in a PayPal-sponsored 451 Research study said they had abandoned an online purchase in the previous six months because their preferred payment method was unavailable.
What the surveys say about Gen Z and wallet checkout
The evidence points to a checkout risk, not a guaranteed sales loss for every retailer. The studies measure different things—wallet use, payment preferences and reported abandonment—so their percentages should not be treated as interchangeable.
- Reported wallet-related skipped purchases: GoDaddy said 54% of surveyed U.S. Gen Z consumers had skipped completing a purchase because a business did not accept a digital wallet such as Apple Pay or Google Pay. Its March 2025 survey of 1,500 U.S. consumers did not specify whether the purchase was online or in person. GoDaddy’s May 14, 2025 release is company-published research; GoDaddy sells commerce products.
- Online wallet use: In 451 Research’s 2024 consumer survey, 60% of Gen Z respondents said they used digital wallets online weekly, compared with 38% of consumers overall. The results appear in PayPal’s sponsored 2025 report, Building a winning payments strategy for Gen Z and millennials.
- Online abandonment when a preferred method is missing: In that same report, 56% of Gen Z respondents said they had abandoned an online purchase in the previous six months because their preferred payment method was not offered; the figure was 37% across all respondents.
- Difficulty at checkout: The report also says 57% of Gen Z respondents had abandoned an online purchase because it was difficult to complete. This is a separate reported reason from the absence of a preferred payment method.
These are self-reported survey answers, not results from a randomized test of a retailer’s checkout. They show that some Gen Z shoppers report stopping when payment choice or checkout usability falls short; they do not establish how many sales a particular store would recover by adding a wallet.
As an Amazon Associate I earn from qualifying purchases.
Windows Errors? Fix Them Before They Spread
Repair common Windows errors and clear accumulated junk for a smoother, more stable PC - no reinstall needed.Free scan · no reinstallOutdated Drivers Are Slowing You Down
One free scan finds every outdated or missing driver and matches the right update for your exact hardware.Free scan · exact hardware matchWhy wallet use, preference and abandonment are different
A shopper can use a wallet regularly without preferring it for every purchase. Someone may prefer a physical card, while another may abandon checkout because a different preferred option—such as a particular card or payment service—is missing. Retailer acceptance is yet another measure: it records what a merchant offers, not what customers choose or complete.
Regional context matters, too. In Visa and Morning Consult’s survey of 1,000 adults across 12 markets, fielded October 14–16, 2025, U.S. Gen Z respondents were nearly as likely to prefer digital wallets as physical cards: 36% versus 34%. Visa reported a margin of error of plus or minus one percentage point for the full survey. The U.S. result should not be applied to every country; preferences differed by region. The survey was sponsored by Visa, a payment network, and used an online sample weighted by gender, education, age and race. Visa’s 2025 Spending Shift report provides its findings and regional discussion.
Why mobile payment options may matter to younger shoppers
Digital wallets can make payment feel familiar and reduce the need to re-enter payment details, particularly for shoppers buying on a phone. That convenience is one plausible reason wallet availability can matter, but the cited surveys do not isolate which feature drives a shopper’s decision or quantify the effect on a store’s conversion rate.
#1 Best Overall
- SmartQ C368 USB 3.0 Card Reader: Four-in-one design, supports Micro SD/SD/MS/CF cards, and reads data independently; ideal for plug and play mobile use during travel.
- High data transfer speed: Supports data transfer speed up to 5GB per second (at USB 3.0 speed), compatible with USB 3.0 and USB 2.0 multi-card readers for CF and MicroSD cards.
- Multi-system compatibility: Compatible with Windows/Mac OS/Linux and other systems, no driver needed, enjoy a plug and play experience.
- Working status: Blue LED light indicator, the indicator LED lights up when powered on, the device status is clearly visible.
- In the Box: SmartQ C368 USB 3.0 Card Reader (memory card not included), Cable organizer, User manual.
Federal Reserve Financial Services summarized surveys in May 2024 in which more than half of Gen Z respondents aged 18–25 and Millennials aged 26–41 used digital wallets; 80% of those younger consumers said the ability to pay by mobile device was important. The organization explicitly cautions that its survey summary is not independent academic research and notes that Federal Reserve Financial Services also offers payment services. Read the Federal Reserve Financial Services summary.
Free tools Windows power users keep installed
One-click scans. No signup required.
What retailers should do with the evidence
Wallet support is one part of payment choice, not a substitute for a usable checkout or a guarantee of recovered sales. PayPal’s sponsored 451 Research report found that just over half of surveyed merchants offered digital wallets at checkout in its 2024 merchant study; another 39% were exploring or planning adoption within the next 12 months. Those figures describe that study’s merchant respondents, not all retailers, and are not a current adoption census.
Before adding a payment option, a retailer should assess its own customers and operations:
Quick Recap
Best Value
- Secure Your Information: Simply insert the RFID blocking card into your wallet to protect against digital pickpocketing. Block unauthorized scanning of your contactless cards, including credit/debit cards, passports, driver's licenses - to safeguard your identity and financial security
- Effective Protection: Our RFID blocking card utilizes advanced electromagnetic shielding technology, which features an embedded antenna mesh and chip that instantly detects and scrambles scanning attempts, providing consistent and reliable protection for the entire wallet
- Ultra Slim & Easy to Use: Credit-card-sized and just 0.03 inches (0.76 mm) thick, it slips easily into your wallet, purse or card holder adding no bulk. No charging or batteries needed. It will not demagnetize other cards, nor interfere with your phone signals
- A Thoughtful Gift: Give the practical gift of security. Effortlessly protecting your loved ones from digital theft – offering instant peace of mind, which is a truly meaningful way to show your care
- Test the Card: Test our RFID blocking card at self-checkout: Layer your contactless card with our RFID card on the reader - payment fails instantly, error message pops up
Rank #4
- Get your money as soon as the next business day.
- Get set up quickly with no long-term commitments. Download the Square Point of Sale app for free, create an account, and start taking payments anywhere.
- Run your business all in one place with the free Square Point of Sale app. Track your sales, manage inventory, accept tips, send receipts digitally, and more.
- Works with Apple devices with a Lightning connector.
Rank #3
- Fully Compliant - Complies With All Major Industry Standards, Including Iso/Iec 7816, Usb Ccid, Pc/Sc, And Microsoft Whql. As Well As, Emv 2011 Ver 4.3 Level 1 And Gsa Fips 201.
- Seamless Integration - With Identiv-Specific Smartos You’Ll Get Easy, Complete Support Of All Major Contact Smart Card Ics And Technologies In One Simple Reader.
- Universal Compatibility - Works With Virtually All Contact Chip Cards And Pc Operating Systems, Including Windows, Macos, Linux And Android.
- Fast And Convenient- Shorten Your Transaction Time With A Reader That’S Optimized For Speed. It’S Ultra-Compact And Robust Design Is Streamlined For Mobile Operation, Making This Reader The Best Choice For Convenience, Security And Reliability.
- Ergonomic and cost efficient design
Rank #2
- INTEGRATED DESIGN - The integrated-designed BENFEI USB-C/USB 3.0 card reader provide high data speed access to four different card types, the SD(Secure Digital), Micro SD(TF), MS(Memory Stick) and CF(Compact Flash). And with 2in1 USB-C/USB 3.0 design, BENFEI card reader could works with computer or laptop by USB 3.0/2.0 slot or the latest USB Type-C(Thunderbolt 3) slot. A universal card reader solution.
- INCREDIBLE PERFORMANCE - With latest USB Type-C or the USB 3.0 port, fully enjoy the transfer rates in UHS-I mode up to 160MB/sec, backward Compatible with USB 2.0/1.1. Browse and view photos instantly on your USB-C/USB3.0 smartphones/laptops. (NOTE: The final data speed is decided by the card and USB slot Type )
- SUPERIOR STABILITY - Built-in advanced IC chip handle the USB-C/USB high speed data transfer signal, allow HD movies trasfer in just seconds. ✅ It is a simultaneously card reader and can read 4 card at the same moment
- BROAD COMPATIBILITY - Compatible with MacBook Pro 2019/2018/2017/2016, MacBook 2017/2016/2015, iPad Pro 2018, Surface Book 2, Samsung Galaxy S10/S9/S8/Note 8/Note 9, HTC U11/U12, Pixelbook, Dell XPS 15 / XPS 13, Galaxy Book, and many other USB-C Devices. NOTE: SDXC cards (capacity at 64GB or larger) use a special file format "exFAT", which is not supported in Windows XP, Windows Vista before SP1, and Mac OS X before 10.6.6). ❗ Incompatible with Memory Stick (Standard)，Memory Stick Micro (M2) and CF Type I
- 18 MONTH WARRANTY - Exclusive BENFEI Unconditional 18-month Warranty ensures long-time satisfaction of your purchase; Friendly and easy-to-reach customer service to solve your problems timely.
- Check the checkout data: Review abandonment by device, country and payment step. Compare that with the payment methods customers use and request; broad survey results cannot identify the friction on your site.
- Match availability to your markets: Confirm which wallets are supported in each country where you sell, and whether your payment provider and ecommerce platform can offer them at checkout.
- Compare costs and operational requirements: Evaluate processing fees, authentication and security requirements, and how refunds, disputes and customer support will work.
- Keep the payment choice focused: The 451 Research report cautions that too many checkout options can add clutter. Offer methods that fit your customers rather than adding every available button.
- Measure the result: If you introduce a wallet, compare checkout completion and abandonment before and after the change, accounting for other changes to the site. The survey figures do not predict the lift for an individual retailer.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.
