In North America, the payments landscape is shaped by a blend of traditional credit card usage and a shift towards digital wallets and Buy Now, Pay Later (BNPL) services. In Canada, the adoption of Account-to-Account (A2A) payments witnessed significant growth, driven notably by Interac Online, facilitating seamless bank account transfers for eCommerce transactions. Despite Canada’s eCommerce market being 6% smaller in scale compared to the U.S., it exhibits a promising growth trajectory, projected at a robust 10% Compound Annual Growth Rate (CAGR) through 2026, outpacing its U.S. counterpart. Concurrently, U.S. retailers are exploring innovative solutions like Pay by Bank, leveraging A2A transfers and Open Banking protocols to enhance payment acceptance efficiency.