Gen Z's Payment Revolution: How Gen Z is Driving a Payments Revolution in 2025

Gen Z is rewriting the rules of payments. With their preferences shaping the future of B2B transactions, the big question is clear: are your financial systems ready?

Billtrust's 2025 Gen Z Payment Study uncovers fresh insights into how the next generation is redefining payment expectations—both as savvy consumers and tomorrow's business leaders. With Gen Z now making up 27% of the global workforce, adapting to their needs is essential.

Here’s what you’ll learn from the study:

• Digital tools dominate: Over 40% of Gen Z use P2P platforms and mobile wallets more than five times per month.
• BNPL on the rise: Buy Now, Pay Later surged, climbing from 26% to 46% in just one year.
• Cash is fading: Traditional payment methods are becoming obsolete, with cash usage hitting a historic low of just 7%.
• Redefining credit: Only 47% of Gen Z pay off their credit card balances in full each month, signaling a shift in lending behaviors.
• Loyalty at risk: 81% of Gen Z would walk away from brands due to poor payment experiences.

The numbers don’t lie—Gen Z is driving a payment revolution. Businesses that align with their expectations will thrive—those that don’t risk being left behind.

Are you ready to understand what 'normal' looks like in payments? Take charge of your payment strategy with insights from Billtrust's 2025 Gen Z Payment Study. Download the study for free.