Cash on delivery statistics tell two stories. By money, COD is small: 1.6% of global e-commerce value in 2025, according to Worldpay. By people, it still leads in some markets: in the World Bank’s 2024 survey, 79% of online shoppers in the Philippines and 77% in Indonesia usually paid in cash when the order arrived.
Why do cash on delivery numbers differ between sources?
Sources measure different things, so one country can look small in one and large in another.
| Measure | Main source | What it tells you |
|---|---|---|
| Share of e-commerce value | Worldpay, Global Payments Report 2026 | How much of the money spent online is paid in cash |
| Share of online buyers | World Bank, Global Findex Database 2025 | How many online shoppers usually pay at the door |
| Share of orders | National surveys, such as ONTSI in Spain | How many purchases are paid on delivery |
Worldpay’s e-commerce “cash” combines cash on delivery with cash vouchers paid before or after ordering, such as paying for an online order at a convenience store. Findex asks people who bought online: “Do you usually pay online or in cash when the order is delivered?”
Cash on delivery share by country
| Country | Cash share of e-commerce value, 2025 | Worldpay forecast, 2030 | Online buyers who usually pay cash on delivery, 2024 | AFF1 GEO |
|---|---|---|---|---|
| Philippines | 23% | 18% | 79% | Yes |
| Indonesia | 13% | 10% | 77% | — |
| Vietnam | 16% | 12% | 26% | — |
| Thailand | 15% | 11% | 41% | — |
| Malaysia | 8% | 6% | 31% | — |
| Mexico | 9% | 7% | 17%* | — |
| Colombia | 7% | 3% | 32%* | — |
| Peru | 7% | 5% | 29%* | Yes |
| Chile | 2% | not shown | 13%* (2021) | — |
| Brazil | 3% | 1% | 5%* | — |
| Kenya | not covered | not covered | 42%* | — |
| Ghana | not covered | not covered | 19%* | Yes |
Sources: value and forecast — Worldpay, Global Payments Report 2026, share of e-commerce value; “cash” includes cash on delivery and cash paid at a store before or after ordering, such as OXXO. Buyers — World Bank, Global Findex Database 2025, 2024 survey (Chile 2021): adults who bought online and usually pay cash on delivery, as a share of all adults who bought online. *AFF1 calculation from Findex country data where the World Bank does not publish the share. Last column: the three GEOs where AFF1 runs offers.
What stands out:
- The Philippines leads on both measures. Its 23% is the highest e-commerce cash share among the 42 markets in Worldpay’s report. Worldpay calls COD “an important enabler of e-commerce” there; about half of Filipino adults had no account in 2024 (Findex).
- Mexico’s cash is mostly not COD. Six of its nine points are post-pay: orders placed online and paid in cash at OXXO or 7-Eleven, the highest such share in the report.
- Latin America is small by value, larger by people. COD is 2% of the region’s e-commerce value (Worldpay), yet about 3 in 10 online shoppers in Peru and Colombia usually pay on delivery.
How does Europe compare: Spain, Italy, Greece and Hungary?
| Country | Figure | What is measured | Source |
|---|---|---|---|
| Spain | 3% | Cash share of e-commerce value, 2025 | Worldpay GPR 2026 |
| Spain | 4.1% | Online purchases paid on delivery, 2024 | ONTSI, Compras online en España 2025 |
| Spain | 26.1% | Online buyers who used COD in 2024 | ONTSI, same study |
| Italy | 3% | Cash share of e-commerce value, 2025 | Worldpay GPR 2026 |
| Greece | 33% | Online buyers who usually pay cash on delivery, 2021 | World Bank Global Findex |
| Hungary | 25% | Online buyers who usually pay cash on delivery, 2021 | World Bank Global Findex |
| Hungary | 71% | Online purchases paid electronically, Q1–Q3 2024 | MNB, Payment Systems Report 2025 |
In these four EU countries, COD is a minority way to pay but still a habit for many shoppers. Spain shows the gap between measures: only 4.1% of online purchases were paid on delivery, yet one online shopper in four used COD during the year. In Hungary, the central bank reports that 71% of online purchases in the first three quarters of 2024 were paid electronically, so close to three in ten were paid another way. The Greek and Hungarian buyer figures date from 2021; the 2025 Findex has no newer data for them.
Is cash on delivery declining?
As a share of money, yes. Worldpay expects COD to fall from 1.6% to 1% of global e-commerce value by 2030, and every market with a forecast in the country table is set to lose cash share. Wallets and account-to-account transfers take its place: in Peru wallets are forecast to grow from 44% to 57% of e-commerce value, and in the Philippines transfers from 13% to 22%. In the Philippines, digital payments reached 57.4% of the number of retail payments in 2024, up from 52.8% in 2023 (BSP, 2024 Status of Digital Payments).
As a share of buyers, the picture is mixed. Between the 2021 and 2024 Findex surveys, online shoppers who usually pay at the door rose in the Philippines (75% to 79%), Indonesia (65% to 77%), Thailand (23% to 41%) and Malaysia (12% to 31%). They fell in Vietnam (59% to 26%, 2022–2024), Ecuador (45% to 29%), Colombia (36% to 32%) and Mexico (22% to 17%, 2022–2024). Malaysia 2021 and the Latin American figures are AFF1 calculations from Findex data. In Peru, Colombia, Ecuador and Mexico each 2024 figure rests on only 141–176 online shoppers (Findex microdata), so moves of a few points are within the margin of error.
In most of Southeast Asia, COD is losing share of the money faster than it is losing buyers. One possible reading: where online shopping reaches new, less-banked customers, many start by paying the courier.
Why do customers choose cash on delivery?
Many have no card
In the 2024 Findex survey, only 20% of adults in the Philippines owned a debit card, 26% in Colombia, 37% in Peru, 40% in Mexico and 41% in Indonesia, against 86% in Spain. Credit cards are rarer still: 3% of adults in the Philippines and 6% in Indonesia.
Trust is low
Among adults without an account, 70% in the Philippines, 65% in Indonesia and 36% in Peru named lack of trust in financial institutions as a reason (Findex 2024; several reasons could apply). In Mexico, “I didn’t feel safe buying on the site” is the second most common reason to abandon an online purchase, after shipping cost, and “they didn’t accept the payment method I wanted” is in the top five (AMVO, Estudio de Venta Online 2026).
They want to see the product first
The same AMVO study found that 31% of Mexican online buyers prefer to see and touch a product before buying it.
What do COD statistics mean for affiliates on COD offers?
A strong COD habit makes the order form easy: the buyer pays nothing upfront and leaves only a name and phone number. The same ease means some orders are never confirmed on the call-centre confirmation call, and some confirmed parcels are never collected. Your income follows the approval rate, and the advertiser also watches buyout and RTO by source.
The share of COD shoppers shows how normal paying at the door is. It does not predict your approval rate on its own, as AFF1’s three GEOs show:
| GEO | Approval rate, all AFF1 offers |
|---|---|
| Philippines | 40% |
| Ghana | 35% |
| Peru | 30% |
Source: AFF1 data, October 2026.
The Philippines, the most COD-heavy market in the data, also has the highest approval of the three. Ghana comes second, although only about one online shopper in five there usually pays at the door, fewer than in Peru (Findex 2024, AFF1 calculation). The gap between the best and the worst GEO is 10 percentage points (AFF1 calculation). Approval depends on the offer, the price, the call and your traffic.
Before you launch:
- Read the offer page. Check the goal, landing price, call centre hours and allowed traffic sources; the fields are explained in How to connect to an offer.
- Keep the ad and the landing identical. The operator confirms the price and product the buyer saw.
- Buy traffic when the call centre is working.
- Count approved orders, not forms. See COD lead statuses explained and how COD affiliate marketing works.
Country detail: the Philippines nutra COD guide and the Peru nutra COD guide.
FAQ
What percentage of e-commerce is cash on delivery?
Worldpay estimates COD at 1.6% of global e-commerce value in 2025 and expects 1% by 2030 (Global Payments Report 2026). Some markets are far above that: cash, including COD and vouchers, was 23% of e-commerce value in the Philippines, 16% in Vietnam and 15% in Thailand.
Which country uses cash on delivery the most?
The Philippines, on both measures in this article. Cash was 23% of its e-commerce value in 2025, the highest of the 42 markets Worldpay covers, and 79% of Filipino online shoppers usually pay in cash when the order arrives (World Bank Global Findex, 2024). Indonesia is close behind on the buyer measure, at 77%.
Is cash on delivery still popular in Latin America?
By value it is small: Worldpay puts COD at 2% of the region’s e-commerce in 2025. By people it matters more: about 3 in 10 online shoppers in Peru and Colombia usually pay at the door, by AFF1 calculations from Findex 2024 data. In Mexico, cash in e-commerce mostly means paying at OXXO or 7-Eleven rather than paying the courier.
Why do people prefer cash on delivery?
Research points to three reasons. Many adults have no card: only 20% in the Philippines and 26% in Colombia own a debit card (Findex 2024). Trust in banks and unfamiliar websites is low. And shoppers want to see the product first: 31% of Mexican online buyers prefer to see and touch it before buying (AMVO 2026).
Does a high COD share make a GEO better for affiliates?
Not by itself. It shows that paying at the door is normal, so order forms are easy to fill in. What you earn depends on approved orders, and the advertiser also tracks collected parcels. Across AFF1’s three GEOs in October 2026, approval was higher in Ghana than in Peru (35% against 30%, AFF1 data), although fewer online shoppers in Ghana usually pay at the door.
Run COD offers with AFF1
AFF1 is a direct advertiser and an affiliate network in Nutra & White Hat. Orders are confirmed in AFF1’s own call centres, and the offers are AFF1’s own, created since 2018. AFF1 runs offers in three GEOs: the Philippines, Peru and Ghana.
Sign up with AFF1 to see the payout, call centre hours and allowed traffic sources for each GEO, or ask us on Telegram: t.me/aff1com.
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