For most people, it’s easy to assume physical cards are fading away. Yet, real-world data contradicts this narrative: physical cards remain central, especially for organisations and individuals reliant on trustworthy, inclusive payment solutions.

At allpay cards, we’ve led UK-based card manufacturing since 2008, not because we’re living in the past, but because we recognise the enduring value of physical cards. Here’s why plastic still matters.

"Physical cards continue to be a critical part of the payments landscape, not just for convenience, but for accessibility and inclusion. At allpay cards, we see every day how the right card solution can empower individuals, especially in sectors where digital-only options still fall short." - Emily Lovelock, Card Sales Director, allpay cards

The numbers don't lie

Let’s start with the facts. In 2024 alone, the UK saw over £1 trillion in card transactions, maintaining the same impressive milestone from the previous year. That translated into 31.4 billion payments, up from 30.2 billion in 2023.

There are now 163 million debit and credit cards in circulation across the UK, a rise from 159.7 million just a year ago. And the contactless trend shows no signs of slowing down, with more than 18.9 billion contactless transactions in 2024 and an average transaction value of £15.86.

Despite the rise of digital wallets, these figures make it clear: for everyday spending, physical cards, especially contactless, are still consumers’ preferred payment method.

Why physical still works

While convenience and innovation are often attributed to digital platforms, physical cards bring their own powerful set of advantages, particularly when it comes to universal access, user confidence, and embedded trust.

Globally, more than 10.8 billion EMV chip cards are in circulation. And around 72% of all issued cards are EMV-enabled. That’s not just impressive reach, it’s essential infrastructure. These cards power nearly 96% of card-present transactions around the world. For sectors like public services, housing, healthcare, and welfare, this kind of reliable, standards-based technology is critical.

Not everyone has access to the latest smartphone, mobile wallet, or even consistent internet. That’s where physical cards shine. Whether you’re in a remote area with limited mobile signal or supporting a demographic that prefers simplicity, EMV chip cards offer straightforward, offline-friendly access. No apps. No updates. Just tap or insert and go.

There’s a reason people still like to carry a physical card: it’s familiar, it’s tangible, and it gives users a sense of control. For many, especially those managing tight budgets or preferring a minimal digital footprint, physical cards bring clarity and peace of mind.

Today’s cards are anything but “just plastic.” With EMV chips, dual-interface capabilities, and even dynamic CVVs, modern physical cards are incredibly secure, offering real-time protection without sacrificing ease of use.

The truth is, the future of payments isn’t either/or, it’s both. Phones, wearables, and physical cards will all coexist. And as much as digital convenience is real, so too is the enduring value of physical access. Especially for vulnerable groups and regulated environments, plastic cards ensure inclusion, something digital-only platforms still struggle with.

The allpay cards advantage

A card isn’t just a payment tool; it’s also a brand statement. That’s why at allpay cards, we make sure the cards we produce represent your organisation with the same care and quality you’d expect from any front-facing touchpoint.

We offer:

• Fast, in-house production
• Custom finishes, material options (including eco-friendly solutions)
• ISO-accredited quality assurance

“We’ve built our operations to ensure every card is manufactured to the highest standard, with speed, precision, and zero compromise. From material sourcing to final inspection, our team is dedicated to delivering cards our clients are proud to distribute.” - Jamie Taylor, Head of Site Operations, allpay cards

Physical payment cards show no signs of disappearing, in fact, evidence points to expansion across billions of secure, convenient transactions. They’re essential for accessibility, trust, branding, and infrastructure.

At allpay cards, "Speed, Quality, Service" plays out in every card we deliver, ensuring your payment solutions are not just modern, but meaningful, inclusive, and built for real people.