Key insights: Pushback on fees, BNPL and new technology are shifting how consumers shop and make payments. What's at stake: Swipe fees for credit cards and debit cards totaled $187.2 billion in 2024, up from $172 billion in 2023. Forward look: Agentic commerce and crypto will also draw consumers to new payment options in the new year. Consumer payment trends such as pushback on interchange fees, the rise of buy now/pay later, crypto payments and agentic commerce are set to shape payments in 2026. Th ...