2024 Accessible Version of Trends in Noncash Payments
Figure 1. Trends in noncash payments, by value, 2000–22 (Trillions of dollars)
| Period | Checks | ACH debit transfers | ACH credit transfers | Credit cards | Non-prepaid debit cards | Prepaid debit cards |
|---|---|---|---|---|---|---|
| 2000 | 40.30 | 9.24 | 8.62 | 1.28 | 0.35 | ND |
| 2001 | ND | ND | ND | ND | ND | ND |
| 2002 | ND | ND | ND | ND | ND | ND |
| 2003 | 40.86 | 11.87 | 12.23 | 1.68 | 0.63 | ND |
| 2004 | ND | ND | ND | ND | ND | ND |
| 2005 | ND | ND | ND | ND | ND | ND |
| 2006 | 41.47 | 13.32 | 17.70 | 2.12 | 0.97 | 0.08 |
| 2007 | ND | ND | ND | ND | ND | ND |
| 2008 | ND | ND | ND | ND | ND | ND |
| 2009 | 34.07 | 15.03 | 22.14 | 1.92 | 1.46 | 0.14 |
| 2010 | ND | ND | ND | ND | ND | ND |
| 2011 | ND | ND | ND | ND | ND | ND |
| 2012 | 27.21 | 18.65 | 27.51 | 2.55 | 1.87 | 0.23 |
| 2013 | ND | ND | ND | ND | ND | ND |
| 2014 | ND | ND | ND | ND | ND | ND |
| 2015 | 29.18 | 19.60 | 32.48 | 3.05 | 2.18 | 0.29 |
| 2016 | ND | ND | ND | 3.27 | 2.31 | 0.29 |
| 2017 | ND | ND | ND | 3.60 | 2.47 | 0.30 |
| 2018 | 26.77 | 23.28 | 40.87 | 3.98 | 2.75 | 0.35 |
| 2019 | ND | ND | ND | 4.20 | 2.88 | 0.34 |
| 2020 | ND | ND | ND | 3.85 | 3.14 | 0.48 |
| 2021 | 27.23 | 33.19 | 58.66 | 4.88 | 3.94 | 0.61 |
| 2022 | ND | ND | ND | 5.83 | 3.99 | 0.53 |
Note: All estimates are on a triennial basis, except that card payments were estimated for every year since 2015. Credit card payments include general-purpose and private-label versions. Prepaid debit card payments include general-purpose, private-label, and electronic benefits transfer (EBT) versions. ND indicates where no data are available.
Figure 2. Trends in noncash payments, by number, 2000–22 (Billions)
| Period | Checks | ACH debit transfers | ACH credit transfers | Credit cards | Non-prepaid debit cards | Prepaid debit cards |
|---|---|---|---|---|---|---|
| 2000 | 42.6 | 2.1 | 3.9 | 15.6 | 8.3 | ND |
| 2001 | ND | ND | ND | ND | ND | ND |
| 2002 | ND | ND | ND | ND | ND | ND |
| 2003 | 38.6 | 4.2 | 4.6 | 19.0 | 15.6 | ND |
| 2004 | ND | ND | ND | ND | ND | ND |
| 2005 | ND | ND | ND | ND | ND | ND |
| 2006 | 32.2 | 8.7 | 6.0 | 21.7 | 25.0 | 3.3 |
| 2007 | ND | ND | ND | ND | ND | ND |
| 2008 | ND | ND | ND | ND | ND | ND |
| 2009 | 25.8 | 11.4 | 7.7 | 21.6 | 37.9 | 6.0 |
| 2010 | ND | ND | ND | ND | ND | ND |
| 2011 | ND | ND | ND | ND | ND | ND |
| 2012 | 19.7 | 12.1 | 8.6 | 26.8 | 47.2 | 9.3 |
| 2013 | ND | ND | ND | ND | ND | ND |
| 2014 | ND | ND | ND | ND | ND | ND |
| 2015 | 18.1 | 13.9 | 10.0 | 33.7 | 56.6 | 11.2 |
| 2016 | ND | ND | ND | 37.2 | 60.4 | 11.8 |
| 2017 | ND | ND | ND | 40.7 | 66.8 | 13.1 |
| 2018 | 14.0 | 16.6 | 11.9 | 44.7 | 72.7 | 13.8 |
| 2019 | ND | ND | ND | 47.0 | 76.8 | 14.2 |
| 2020 | ND | ND | ND | 42.4 | 76.2 | 16.0 |
| 2021 | 11.2 | 20.3 | 15.9 | 51.1 | 87.8 | 18.1 |
| 2022 | ND | ND | ND | 58.5 | 89.1 | 19.8 |
Note: All estimates are on a triennial basis, except that card payments were estimated for every year since 2015. Credit card payments include general-purpose and private-label versions. Prepaid debit card payments include general-purpose, private-label, and electronic benefits transfer (EBT) versions. ND indicates where no data are available.