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Repair Windows errors before they cause bigger problemsFix Now →Fix the driver behind crashes, sound loss and screen glitchesFind Drivers →Visa says around 5% of UK payment cards showed regular spending at pet merchants in 2026 reporting, about 1.5 percentage points more than in 2019. That is a rise in Visa’s card-based proxy for pet activity—not a count of UK pet owners or a measure of all household pet spending.
What Visa found about UK pet spending
Visa Business and Economic Insights (VBEI) describes a growing pattern of regular card spending at pet merchants in the UK. UK trade publications reporting Visa’s figures name pet food, grooming, care and related services as areas of recurring demand. The reporting does not give separate growth rates for those categories, so it does not establish which one is rising fastest.
The headline measure is the share of cards showing regular spending, not the amount spent. It indicates how common repeated card activity at pet merchants is within the measured card base; it does not show how much those cardholders spend or how many pets they have.
What “couch economy” means
Visa uses “couch economy” to describe a broader shift toward shopping, streaming, dining and handling everyday activities from home. It is not simply another name for online shopping: subscriptions, delivery and other digital services also fit the pattern. Visa chief economist Wayne Best said the shift “extends far beyond e-commerce.”
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Pet purchases are one part of this larger picture. Visa UK & Ireland chief executive Rob Cameron connected regular demand for food, grooming, care and other services with changing lifestyles and household spending. The figures show a spending pattern; they do not prove that home-centered habits caused the increase in pet-merchant activity.
How Visa measures pet activity—and what the figure cannot show
VBEI says its analysis draws on anonymized VisaNet transactions across Australia, Brazil, Poland, the United Arab Emirates, the United Kingdom and the United States. Unless otherwise noted, the release uses Visa credit, debit and prepaid card transactions. For pet activity, Visa uses the share of domestic cards with active, regular spending at pet merchants as a proxy.
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- It can indicate: the prevalence of recurring card activity at merchants categorized as pet-related.
- It cannot establish: a direct count of pet owners, pets or households; total spending across all payment methods; or the reason spending patterns changed.
- It does not break out: growth rates for pet food, grooming, care or other services separately.
Because the measure reflects Visa card activity at merchant categories, it should be read as a spending indicator rather than a census or a complete estimate of the UK pet economy.
How the pet indicator fits wider digital-spending trends
Visa’s other figures describe the broader movement toward digital purchasing. These measures cover different things: a share of cards making frequent online purchases is not the same as a share of payment volume taking place online. The country labels and comparison years matter too.
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| Measure | Visa-reported figure | What it describes |
|---|---|---|
| UK cards with regular pet-merchant spending | Around 5% in Visa’s 2026 reporting, about 1.5 percentage points higher than in 2019 | Visa’s proxy for pet activity; not a direct count of owners or total spending. UK figure reported by trade publications attributing it to Visa. |
| U.S. domestic cards with regular pet-related spending | Roughly 8% in Visa’s 2026 reporting | A U.S. card-activity measure. Do not treat it as directly comparable with the UK figure because identical category definitions and methods are not established. |
| UK cards making at least 10 online or in-app purchases a month | Nearly 28% in Visa’s 2026 reporting, compared with 15% in 2018 | Frequency of online or in-app purchases, measured by share of cards. |
| UK domestic payment volume online or in-app | 26% in Visa’s 2026 reporting, compared with 20% in 2019 | Share of domestic payment volume, not share of cards. |
| U.S. domestic payment volume online or in-app | 58% in 2026, compared with 48% in 2019 | Share of U.S. domestic payment volume. |
| U.S. cards with active streaming subscriptions versus cards associated with cinema and concert spending | More than 17% versus roughly 6% in Visa’s 2026 reporting | Two different card-activity indicators illustrating the wider couch-economy context. |
These indicators provide context for the “couch economy” label, but they do not show that online purchasing directly caused pet spending to rise. The pet figure concerns recurring merchant activity; the other UK and U.S. measures concern purchase frequency, payment-volume shares or different entertainment categories.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.What the figures mean for household finances
For consumers, the practical takeaway is that recurring pet costs—including food, grooming and care—are part of the broader mix of household spending Visa is tracking. The card data does not reveal typical costs or whether households are spending more per pet, so it cannot tell an individual what to budget. A household budget should use its own receipts and recurring bills rather than treating Visa’s card-share figure as a spending target.
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For businesses, the pattern may be useful as an indicator of ongoing customer engagement with pet-related merchants, but Visa’s reported figures do not identify a particular product, brand or service as the driver.
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