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 | 26.08 | 19.00 | 32.23 | 3.05 | 2.18 | 0.29 |
| 2016 | ND | ND | ND | 3.27 | 2.31 | 0.29 |
| 2017 | ND | ND | ND | 3.59 | 2.47 | 0.30 |
| 2018 | 26.08 | 22.04 | 38.66 | 3.97 | 2.75 | 0.35 |
| 2019 | ND | ND | ND | 4.19 | 2.88 | 0.35 |
| 2020 | ND | ND | ND | 3.84 | 3.14 | 0.48 |
| 2021 | 27.44 | 31.47 | 55.11 | 5.06 | 3.94 | 0.62 |
| 2022 | ND | ND | ND | 5.83 | 3.99 | 0.59 |
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. Estimates for prepaid debit card payments are not available for 2000 or 2003. The points mark years for which data were collected and estimates were produced. Lines connecting the points are linear interpolations. On March 6, 2025, the figure was updated with the latest data.
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 | 16.9 | 13.5 | 9.9 | 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 | 13.6 | 15.7 | 11.2 | 44.6 | 72.7 | 13.9 |
| 2019 | ND | ND | ND | 46.9 | 76.8 | 14.3 |
| 2020 | ND | ND | ND | 42.2 | 76.2 | 16.6 |
| 2021 | 11.1 | 19.2 | 14.9 | 51.0 | 87.8 | 18.9 |
| 2022 | ND | ND | ND | 58.5 | 89.1 | 18.5 |
Note: All estimates are on a triennial basis. Card payments were also estimated for 2016, 2017, 2019, 2020, and 2022. 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. Estimates for prepaid debit card payments are not displayed for 2000 and 2003 because only EBT was collected. ND indicates where no data are available. On March 6, 2025, the figure was updated with the latest data.