I get groceries delivered about three times a month. From my couch, I can also order dinner, buy a dress for an upcoming wedding and stream a movie. Many months, a solid chunk of my budget gets spent without me even leaving the house.

This is the new “couch economy,” according to a recent report from Visa .

In the couch economy era, more and more domestic spending is happening online — 58% in 2026 in the U.S., compared to 48% in 2019, based on Visa transactions. About a quarter of active U.S. Visa cards are used for 10 or more online or in-app transactions per month, a near-doubling since 2019.

“What we can see is a meaningful shift in how and where consumers transact,” said Mohamed Bardastani, principal CEMEA economist at Visa, in an email.…