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US Pay by Bank Trends 2026
How Agentic Commerce and Targeted Use Cases Can Turn Trial Into Habit
Pay by bank is becoming more accessible, but convenience alone won’t change consumer habits. Rewards and buyer protections will be key to broader adoption. At the same time, AI agents and stablecoins are creating new opportunities and competitive pressures for payment providers.
Key Question: What is the state of pay by bank usage in the US, and what key trends will impact its growth?
Key Stat: Pay by bank and other bank account-based payments like Automated Clearing House (ACH) payments are limited in the US: Only 12% of consumers have used an electronic withdrawal to make an online purchase in the past year, per our August 2026 US Cash-Back Credit Card Emerging Features survey.
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authors
Grace Broadbent
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