“Apple Pay has benefited from the spread of new point-of-sale (POS) systems that work with the NFC signals Apple Pay runs on,” said eMarketer principal analyst Yory Wurmser. “The same trend should also help Google Pay and Samsung Pay, but they will continue to split the Android market.”

Technology for proximity mobile payments is gaining traction, especially at frequently used retailers like grocery stores. According to Digital Trends, Apple Pay is expected to be available in 70% of US retailers by the end of 2019. The strong uptake prompted eMarketer to revise its figures upward. And while the Starbucks app has enjoyed around a 40% market share of mobile payments users for a few years, its growth potential is more limited since it can only be used at Starbucks stores.

Total spending via proximity mobile payments will approach $100 billion this year in the US. That means that on average, a user will spend $1,545 per year using proximity mobile payments, up more than 24% over last year.