Changes in the internet economy are prompting businesses to take a more tailored approach to checkout. On Stripe, 65% of transactions under $50 now happen on mobile, and shoppers are increasingly staying on their phones for higher-value purchases, too. Digital wallets cut average mobile checkout time in half, but wallet preferences vary widely by region and generation, shaping checkout design. Local payment methods are becoming a bigger driver of conversion, and offering the right one—or the right mix—can substantially improve performance. Checkout is also being redesigned for a new kind of buyer: agents. As customers grow more comfortable with AI-assisted purchases across a range of categories, businesses are rethinking how they manage risk and convert increasingly fragmented demand.We analyzed checkout and payment activity from nearly 20,000 B2C businesses on the Stripe network from August 2023 through February 2026, and combined those insights with Stripe-commissioned surveys to understand the latest trends in consumer preferences. The resulting report examines how customer purchase behavior is changing, how those shifts are showing up in the checkout flow, and what they mean for businesses. A few takeaways stand out:1. Shoppers are increasingly making big-ticket purchases on mobileMobile already dominates smaller purchases, but the old habit of moving to desktop for bigger purchases is starting to fade. Stripe data shows shoppers are increasingly completing higher-value purchases on mobile, including purchases over $500. While that shift is most pronounced in APAC and EMEA—where mobile is the preferred checkout device—mobile in the US gained share across every purchase size we measured in the last two years. Canada is the outlier: shoppers there tend to switch to desktop in the $100–$249 price range, based on our data.