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Federal Reserve Payments Study (FRPS)

Networks, Processors, and Issuers Payments Survey (NPIPS)
Detailed Data, 2015-2022

CONTENTS DESCRIPTION
GP Card Payments Sum of data available for the general-purpose card types, including non-prepaid debit, general-purpose prepaid debit, and general-purpose credit
GP Debit Card Payments Sum of data available for the general-purpose debit card types, including non-prepaid debit and general-purpose prepaid debit
Non-Prepaid Debit Card Payments Non-prepaid debit card transactions (Note: All non-prepaid debit card transactions are general-purpose card transactions.)
GP Prepaid Debit Card Payments General-purpose prepaid debit card transactions
GP Credit Card Payments General-purpose credit card transactions
PL Prepaid & EBT Card Payments Private-label prepaid debit card and electronic benefits transfer (EBT) card transactions
PL Credit Card Payments Private-label credit card transactions
Alternative Payments Payments initiated via alternative payment methods and systems, including the following categories:
-- P2P and Money Transfer Person-to-person payments and money transfers
-- Online Bill Payment Online bill payment transactions
-- Walk-in Bill Payment Walk-in bill payment transactions
-- Private-label ACH Debit Card Private-label ACH debit card transactions
-- Online Payment Authentication Payments using online payment authentication methods
-- Mobile Wallet Transactions using mobile wallets (digital wallets on mobile devices)
GP Card Payments - Quarterly Sum of quarterly data available for the general-purpose card types, including non-prepaid debit, general-purpose prepaid debit, and general-purpose credit

 

Notes

Each sheet contains annual data from 2015 to 2022 and their compound annual growth rates (CAGRs). The balances, values and averages are in U.S. dollars. Businesses are defined to include for-profit and not-for profit enterprises and federal, state, and local government agencies.

Acronyms
CAGR Compound annual growth rate
DI Depository institution
EBT Electronic benefits transfer
NPIPS Networks, Processors, and Issuers Payments Surveys
GP General-purpose
PL Private-label
P2P Person-to-person

For more information, see the Notes on the NPIPS Detailed Data.

 

Table 1: General-Purpose Cards 2015-22

Networks, Processors, and Issuers Survey (NPIPS) 2015 2016 2017 2018 2019 2020 2021 2022 CAGR (percent) AGR (percent)
Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 2015-18 2018-21 2021-22
Number Value Number Value Number Value
Payments by channel and authentication method 91.9 5.13 56 99.1 5.46 55 109.8 5.96 54 119.6 6.58 55 127.4 7.00 55 124.4 7.04 57 144.6 8.84 61 153.3 9.76 64 9.2 8.7 6.5 10.3 6.0 10.5
In person 72.7 2.93 40 76.7 3.03 39 82.2 3.16 38 86.1 3.30 38 91.1 3.51 39 79.4 3.20 40 91.9 4.13 45 97.8 4.54 46 5.8 4.0 2.2 7.8 6.5 10.1
Chip 1.4 0.10 68 14.7 0.81 55 34.2 1.63 48 48.7 2.15 44 60.4 2.52 42 59.7 2.56 43 76.4 3.43 45 85.6 3.93 46 224.1 180.1 16.2 16.8 12.0 14.6
Contact ND ND ND ND ND ND ND ND ND 48.1 2.13 44 58.9 2.47 42 56.0 2.45 44 66.3 3.14 47 66.3 3.29 50 ND ND 11.3 13.7 <0.1 4.9
Contactless
 		 ND ND ND ND ND ND ND ND ND 0.7 0.02 30 1.6 0.05 32 3.7 0.11 30 10.1 0.29 29 19.3 0.64 33 ND ND 148.0 145.4 91.0 119.0
PIN 0.1 0.01 54 ND ND ND ND ND ND 19.2 0.79 41 22.6 0.89 39 24.1 1.03 43 28.1 1.28 46 28.4 1.33 47 422.3 377.7 13.4 17.6 1.3 3.5
No PIN 1.3 0.09 70 ND ND ND ND ND ND 29.5 1.36 46 37.8 1.63 43 35.6 1.53 43 48.4 2.14 44 57.2 2.60 45 183.4 146.8 17.9 16.3 18.2 21.2
No chip 71.3 2.84 40 62.0 2.22 36 48 1.54 32 37.4 1.15 31 30.7 0.99 32 19.7 0.63 32 15.5 0.70 45 12.2 0.62 50 -19.4 -26.1 -25.5 -15.2 -21.0 -11.9
PIN 16.7 0.64 38 ND ND ND ND ND ND 9.2 0.30 32 7.3 0.23 32 5.4 0.18 34 3.6 0.16 43 2.6 0.11 43 -18.1 -22.8 -27.0 -19.3 -27.6 -28.9
No PIN 54.5 2.19 40 ND ND ND ND ND ND 28.2 0.85 30 23.4 0.76 32 14.3 0.45 32 11.9 0.54 46 9.6 0.51 53 -19.8 -27.1 -25.0 -13.8 -19.0 -7.0
Remote 19.2 2.19 114 22.4 2.43 108 27.6 2.79 101 33.5 3.29 98 36.3 3.49 96 45.0 3.85 86 52.7 4.71 89 55.5 5.22 94 20.5 14.4 16.3 12.8 5.3 10.8
Mail-order/telephone-order 2.7 0.60 224 2.6 0.56 220 2.6 0.58 222 2.6 0.63 241 2.8 0.66 231 2.6 0.63 248 2.8 0.75 265 3.0 0.87 293 -0.7 1.6 2.5 5.7 5.0 16.4
Internet purchase 11.8 1.20 101 13.5 1.27 94 17.0 1.44 85 21.1 1.75 83 23.2 1.91 82 30.4 2.28 75 35.0 2.87 82 37.0 3.14 85 21.4 13.4 18.3 18.0 5.8 9.3
Recurring/installment 3.4 0.23 68 4.0 0.26 64 4.7 0.29 62 5.8 0.35 60 7.4 0.41 56 9.2 0.48 52 11.7 0.60 51 12.5 0.69 55 19.6 14.8 26.7 20.2 6.8 14.7
Other
 		 1.3 0.17 128 2.3 0.34 147 3.3 0.49 148 4.0 0.56 141 2.9 0.51 177 2.8 0.46 165 3.1 0.49 158 2.9 0.52 179 45.5 50.0 -7.7 -4.1 -6.5 6.2
Payments by payee location 91.9 5.13 56 99.1 5.46 55 109.8 5.96 54 119.6 6.58 55 127.4 7.00 55 124.4 7.04 57 144.6 8.84 61 153.3 9.76 64 9.2 8.7 6.5 10.3 6.0 10.5
Domestic 91.1 5.04 55 98.2 5.36 55 108.6 5.84 54 118.2 6.44 55 121.4 6.67 55 118.5 6.74 57 137.6 8.41 61 145.8 9.29 64 9.1 8.5 5.2 9.3 6.0 10.5
Cross-border 0.8 0.09 113 1.0 0.10 102 1.2 0.12 102 1.4 0.14 99 6.0 0.33 54 5.9 0.30 51 7.0 0.43 62 7.5 0.47 63 21.8 16.6 69.7 44.8 7.3 9.2
In person ND ND ND ND ND ND ND ND ND 0.8 0.06 81 3.9 0.16 40 3.0 0.11 35 3.5 0.16 45 4.2 0.20 47 ND ND 63.7 34.6 18.5 23.5
Remote
 		 ND ND ND ND ND ND ND ND ND 0.6 0.08 122 2.1 0.17 80 2.8 0.19 68 3.5 0.27 78 3.3 0.27 82 ND ND 76.9 52.4 -4.0 0.9
Payments by payer type 91.9 5.13 56 99.1 5.46 55 109.8 5.96 54 119.6 6.58 55 127.4 7.00 55 124.4 7.04 57 144.6 8.84 61 153.3 9.76 64 9.2 8.7 6.5 10.3 6.0 10.5
Consumer 85.8 4.09 48 92.6 4.37 47 102.6 4.74 46 112.0 5.24 47 119.4 5.53 46 117.7 5.74 49 137.0 7.36 54 144.6 7.95 55 9.3 8.6 6.9 12.0 5.5 8.1
Business
 		 6.1 1.03 171 6.5 1.10 169 7.2 1.22 170 7.6 1.35 178 8.0 1.47 182 6.7 1.30 194 7.5 1.48 196 8.7 1.81 208 7.7 9.2 -0.1 3.2 15.4 22.4
Payments by transaction value range 91.9 5.13 56 99.1 5.46 55 109.8 5.96 54 119.6 6.58 55 127.4 7.00 55 124.4 7.04 57 144.6 8.84 61 153.3 9.76 64 9.2 8.7 6.5 10.3 6.0 10.5
less than $5.00 12.2 0.03 3 13.2 0.03 2 17.5 0.03 2 18.9 0.04 2 20.0 0.04 2 18.4 0.03 2 19.0 0.03 2 20.1 0.05 2 15.9 6.0 0.2 -4.1 6.0 45.8
$5.00 to $9.99 15.4 0.11 7 16.8 0.12 7 17.8 0.13 7 18.9 0.14 7 19.9 0.15 7 18.0 0.13 7 19.9 0.15 7 20.9 0.16 8 7.1 7.1 1.8 1.5 4.6 7.9
$10.00 to $14.99 10.7 0.13 12 12.0 0.15 12 13.2 0.16 12 14.6 0.18 12 15.9 0.19 12 15.2 0.18 12 17.3 0.21 12 18.1 0.22 12 10.9 10.8 5.7 5.4 4.7 7.6
$15.00 to $24.99 14.4 0.28 20 15.8 0.31 19 16.6 0.32 19 18.0 0.35 19 19.6 0.38 19 19.8 0.38 19 22.7 0.43 19 24.2 0.48 20 7.7 7.5 8.1 7.6 6.7 9.9
$25.00 to $49.99 18.2 0.64 35 19.2 0.67 35 20.8 0.73 35 22.9 0.80 35 24.2 0.84 35 23.7 0.82 34 29.3 1.02 35 30.5 1.10 36 7.9 7.9 8.6 8.5 4.1 8.2
$50.00 to $99.99 11.0 0.76 69 11.5 0.79 69 12.4 0.85 69 13.8 0.94 68 14.5 0.99 68 15.0 1.02 68 19.1 1.29 68 21.2 1.50 71 7.8 7.6 11.5 11.2 11.4 16.1
$100.00 to $499.99 9.0 1.65 183 9.6 1.75 183 10.2 1.88 185 11.1 2.06 185 11.8 2.17 184 12.6 2.29 181 15.2 2.82 185 16.1 3.11 193 7.3 7.6 11.0 11.0 5.9 10.6
$500.00 to $999.99 0.7 0.45 664 0.7 0.48 661 0.8 0.53 663 0.9 0.59 661 1.0 0.63 660 1.0 0.61 617 1.3 0.83 654 1.3 0.91 698 10.1 9.9 12.1 11.7 3.4 10.4
$1000.00 or greater
 		 0.4 1.08 2,706 0.4 1.17 2,703 0.5 1.32 2,708 0.5 1.49 2,716 0.6 1.62 2,740 0.7 1.59 2,297 0.8 2.06 2,674 0.8 2.23 2,755 11.1 11.3 12.0 11.4 4.9 8.0
Payments, cross-border with non-U.S. cards (U.S. payee) 2.5 0.30 118 1.7 0.17 99 1.8 0.18 99 2.1 0.21 99 2.2 0.20 90 1.9 0.11 57 2.3 0.13 57 2.7 0.18 66 -6.4 -11.5 3.1 -14.3 16.5 34.1

 

Table 2: General-Purpose Debit Cards 2015-22

Networks, Processors, and Issuers Survey (NPIPS) 2015 2016 2017 2018 2019 2020 2021 2022 CAGR (percent) AGR (percent)
Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 2015-18 2018-21 2021-22
Number Value Number Value Number Value
Payments by channel and authentication method 60.9 2.32 38 64.9 2.46 38 72.0 2.63 37 78.7 2.94 37 83.4 3.09 37 84.7 3.45 41 96.8 4.31 45 98.0 4.34 44 8.9 8.1 7.1 13.6 1.3 0.6
In person 51.0 1.63 32 53.3 1.67 31 57.4 1.73 30 60.5 1.85 31 63.1 1.91 30 58.2 1.95 33 64.9 2.39 37 66.3 2.46 37 5.8 4.3 2.4 9.0 2.2 2.7
Chip 0.4 0.02 45 8.1 0.34 42 22.1 0.84 38 33.4 1.18 35 41.6 1.37 33 43.3 1.54 36 53.5 2.02 38 57.6 2.17 38 336.9 302.3 17.0 19.6 7.7 7.4
Contact ND ND ND ND ND ND ND ND ND 33.0 1.17 36 40.7 1.36 33 40.8 1.49 37 46.8 1.88 40 45.4 1.86 41 ND ND 12.4 17.1 -3.1 -1.0
Contactless
 		 ND ND ND ND ND ND ND ND ND 0.4 0.01 15 0.9 0.01 15 2.5 0.05 19 6.7 0.13 20 12.2 0.30 25 ND ND 161.2 186.7 83.1 127.9
PIN 0.1 0.01 49 ND ND ND ND ND ND 19.1 0.78 41 22.5 0.88 39 24.0 1.02 43 27.9 1.27 46 28.3 1.32 47 440.5 406.8 13.4 17.8 1.3 3.3
No PIN 0.3 0.01 43 ND ND ND ND ND ND 14.3 0.40 28 19.1 0.49 26 19.3 0.52 27 25.6 0.74 29 29.4 0.85 29 271.0 220.3 21.5 23.1 14.7 14.6
No chip 50.6 1.61 32 45.2 1.33 29 35.2 0.89 25 27.1 0.67 25 21.6 0.54 25 14.9 0.41 27 11.4 0.38 33 8.7 0.29 34 -18.8 -25.3 -25.0 -17.4 -23.8 -22.6
PIN 16.7 0.64 38 ND ND ND ND ND ND 9.2 0.29 32 7.3 0.23 32 5.4 0.18 34 3.6 0.15 43 2.6 0.11 42 -18.1 -22.8 -27.0 -19.4 -27.6 -29.0
No PIN 33.9 0.97 29 ND ND ND ND ND ND 17.9 0.38 21 14.3 0.31 22 9.6 0.23 24 7.8 0.22 29 6.1 0.18 30 -19.2 -27.0 -24.0 -15.9 -22 -18.3
Remote 9.9 0.70 71 11.6 0.79 68 14.7 0.90 61 18.2 1.09 60 20.2 1.17 58 26.5 1.50 57 31.8 1.92 60 31.7 1.88 59 22.7 16.1 20.5 20.7 -0.4 -1.9
Mail-order/telephone-order 1.5 0.17 111 1.4 0.16 111 1.5 0.17 112 1.5 0.17 118 1.7 0.18 104 1.5 0.19 129 1.6 0.22 140 1.5 0.23 152 -0.8 1.1 1.9 8.0 -2.5 5.6
Internet purchase 6.0 0.39 65 6.9 0.43 62 9.3 0.50 54 11.9 0.64 54 13.0 0.70 53 17.9 0.95 53 21.2 1.23 58 21.2 1.19 56 25.8 18.1 21.2 24.2 0.2 -3.4
Recurring/installment 1.5 0.08 54 2.0 0.10 51 2.3 0.11 50 2.9 0.14 48 4.1 0.18 44 5.4 0.21 40 7.1 0.28 39 7.3 0.30 42 23.9 18.9 34.5 26.1 3.1 9.0
Other
 		 0.8 0.05 64 1.3 0.10 81 1.7 0.12 70 1.9 0.13 69 1.4 0.12 83 1.6 0.14 87 2.0 0.19 94 1.7 0.16 94 31.7 35.3 1.5 12.2 -17.1 -17.1
Payments by payee location 60.9 2.32 38 64.9 2.46 38 72.0 2.63 37 78.7 2.94 37 83.4 3.09 37 84.7 3.45 41 96.8 4.31 45 98.0 4.34 44 8.9 8.1 7.1 13.6 1.3 0.6
Domestic 60.6 2.31 38 64.5 2.44 38 71.6 2.61 36 78.1 2.91 37 78.3 2.88 37 79.4 3.22 41 90.6 3.98 44 91.8 4.03 44 8.9 8.1 5.1 11.0 1.4 1.1
Cross-border 0.3 0.02 59 0.4 0.02 55 0.5 0.02 53 0.6 0.03 52 5.0 0.21 41 5.3 0.23 44 6.2 0.33 53 6.2 0.31 51 22.2 17.4 121.7 123.1 -0.2 -4.9
In person ND ND ND ND ND ND ND ND ND 0.3 0.01 46 3.3 0.10 30 2.8 0.08 30 3.2 0.12 39 3.4 0.13 38 ND ND 126.6 114.4 7.4 6.3
Remote
 		 ND ND ND ND ND ND ND ND ND 0.3 0.02 58 1.7 0.11 63 2.5 0.15 59 3.1 0.21 68 2.8 0.18 65 ND ND 117.1 128.9 -8.0 -11.4
Payments by payer type 60.9 2.32 38 64.9 2.46 38 72.0 2.63 37 78.7 2.94 37 83.4 3.09 37 84.7 3.45 41 96.8 4.31 45 98.0 4.34 44 8.9 8.1 7.1 13.6 1.3 0.6
Consumer 58.9 2.15 36 62.7 2.27 36 69.6 2.42 35 76.1 2.71 36 80.7 2.83 35 82.0 3.18 39 93.6 3.95 42 94.4 3.93 42 8.9 8.1 7.1 13.4 0.9 -0.7
Business
 		 1.9 0.18 92 2.1 0.19 91 2.4 0.21 87 2.5 0.23 91 2.7 0.25 93 2.6 0.27 101 3.2 0.36 112 3.6 0.41 114 9.7 9.2 8.0 15.7 13.1 15.6
Payments by transaction value range 60.9 2.32 38 64.9 2.46 38 72.0 2.63 37 78.7 2.94 37 83.4 3.09 37 84.7 3.45 41 96.8 4.31 45 98.0 4.34 44 8.9 8.1 7.1 13.6 1.3 0.6
less than $5.00 8.9 0.02 3 9.6 0.02 2 13.3 0.02 2 14.3 0.03 2 15.1 0.03 2 14.2 0.02 1 14.9 0.02 2 15.3 0.03 2 17.2 4.1 1.4 -2.9 2.7 38.7
$5.00 to $9.99 11.5 0.08 7 12.4 0.09 7 13.0 0.10 7 13.7 0.10 7 14.4 0.10 7 13.4 0.10 7 14.5 0.10 7 14.5 0.11 7 6.0 6.1 1.7 1.2 0.2 0.4
$10.00 to $14.99 7.7 0.09 12 8.5 0.10 12 9.2 0.11 12 10.2 0.12 12 11.0 0.13 12 10.9 0.13 12 12.2 0.14 12 12.3 0.15 12 9.8 9.7 6.1 5.4 0.9 0.6
$15.00 to $24.99 9.9 0.19 20 10.7 0.21 20 11.2 0.22 19 12.2 0.24 19 13.2 0.25 19 13.9 0.26 19 15.7 0.30 19 16.0 0.30 19 7.0 6.8 8.8 8.0 2.1 1.8
$25.00 to $49.99 11.7 0.41 35 12.0 0.42 35 12.9 0.45 35 14.4 0.50 35 15.1 0.52 34 15.5 0.53 34 18.8 0.64 34 18.7 0.64 34 7.2 7.1 9.4 8.8 -0.3 -0.3
$50.00 to $99.99 6.4 0.44 69 6.6 0.45 69 7.0 0.48 69 7.9 0.54 68 8.3 0.56 67 9.1 0.61 66 11.3 0.76 67 11.9 0.80 67 7.3 7.0 12.9 12.1 5.3 5.1
$100.00 to $499.99 4.5 0.79 178 4.7 0.84 178 5.0 0.90 179 5.5 0.99 180 5.9 1.04 177 7.0 1.22 174 8.5 1.51 178 8.4 1.49 177 7.4 7.8 15.5 15.1 -1.2 -1.5
$500.00 to $999.99 0.2 0.14 656 0.2 0.15 657 0.3 0.17 657 0.3 0.19 655 0.3 0.21 646 0.4 0.25 571 0.6 0.36 629 0.5 0.34 638 11.9 11.9 24.2 22.5 -5.3 -4.0
$1000.00 or greater
 		 0.1 0.15 1,841 0.1 0.17 1,903 0.1 0.19 1,846 0.1 0.23 1,828 0.1 0.25 1,797 0.3 0.33 1,219 0.3 0.47 1,785 0.3 0.48 1,842 14.6 14.3 28.3 27.2 -0.5 2.7
Payments, cross-border with non-U.S. cards (U.S. payee) 0.4 0.02 69 0.4 0.03 61 0.5 0.03 59 0.6 0.03 52 0.7 0.03 45 0.9 0.03 29 1.1 0.03 30 1.2 0.04 36 19.3 8.3 22.3 2.1 5.9 27.9

 

Table 3: Non-Prepaid Debit Cards 2015-22

Networks, Processors, and Issuers Survey (NPIPS) 2015 2016 2017 2018 2019 2020 2021 2022 CAGR (percent) AGR (percent)
Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 2015-18 2018-21 2021-22
Number Value Number Value Number Value
Payments by channel and authentication method 56.6 2.18 38 60.4 2.31 38 66.8 2.47 37 72.7 2.75 38 76.8 2.88 37 76.2 3.14 41 87.8 3.94 45 89.1 3.99 45 8.7 8.1 6.5 12.7 1.5 1.3
In person 47.5 1.53 32 49.7 1.57 32 53.3 1.63 31 56.0 1.73 31 58.3 1.78 31 52.4 1.76 34 59.0 2.16 37 60.2 2.25 37 5.6 4.3 1.8 7.8 2.0 4.0
Chip 0.4 0.02 45 8.0 0.34 42 21.7 0.82 38 32.5 1.15 35 40.3 1.34 33 41.2 1.48 36 50.8 1.92 38 54.0 2.06 38 334.4 300.5 16.1 18.5 6.3 7.2
Contact ND ND ND ND ND ND ND ND ND 32.1 1.15 36 39.5 1.33 34 38.9 1.43 37 44.6 1.79 40 42.7 1.77 41 ND ND 11.5 16.1 -4.1 -1.3
Contactless
 		 ND ND ND ND ND ND ND ND ND 0.4 0.01 15 0.8 0.01 15 2.4 0.05 19 6.2 0.12 20 11.2 0.29 26 ND ND 157.1 183.3 80.8 129.5
PIN 0.1 0.01 50 ND ND ND ND ND ND 18.4 0.76 41 21.7 0.86 40 22.7 0.98 43 26.4 1.20 45 26.3 1.24 47 437.6 404.6 12.6 16.5 -0.1 3.1
No PIN 0.3 0.01 43 ND ND ND ND ND ND 14.0 0.39 28 18.7 0.48 26 18.5 0.50 27 24.4 0.72 29 27.6 0.82 30 269.7 219.8 20.3 22.3 13.2 14.0
No chip 47.1 1.51 32 41.7 1.23 30 31.6 0.80 25 23.5 0.58 25 18.0 0.44 25 11.1 0.28 25 8.2 0.25 30 6.2 0.20 32 -20.7 -27.4 -29.5 -24.6 -24.4 -20.7
PIN 15.4 0.60 39 ND ND ND ND ND ND 7.7 0.25 32 5.9 0.18 31 3.7 0.11 30 2.3 0.08 36 1.7 0.07 39 -20.5 -25.4 -32.8 -30.3 -27.0 -20.2
No PIN 31.8 0.91 29 ND ND ND ND ND ND 15.8 0.33 21 12.1 0.26 21 7.4 0.17 23 5.9 0.16 28 4.5 0.13 29 -20.8 -28.8 -27.9 -20.9 -23.4 -20.9
Remote 9.1 0.65 71 10.7 0.74 69 13.5 0.85 63 16.7 1.02 61 18.5 1.09 59 23.8 1.38 58 28.8 1.77 62 28.9 1.74 60 22.4 16.2 19.9 20.2 0.3 -2.1
Mail-order/telephone-order 1.4 0.16 113 1.3 0.15 114 1.3 0.15 115 1.3 0.16 121 1.6 0.16 105 1.3 0.18 132 1.4 0.20 143 1.4 0.21 155 -1.4 0.8 1.8 7.7 -2.8 5.0
Internet purchase 5.5 0.37 67 6.3 0.40 64 8.4 0.47 56 10.9 0.61 56 11.8 0.65 55 16.0 0.87 54 19.0 1.14 60 19.1 1.10 57 25.8 18.3 20.5 23.4 0.6 -3.7
Recurring/installment 1.5 0.08 54 1.9 0.10 51 2.2 0.11 51 2.8 0.13 49 3.9 0.17 45 5.1 0.21 40 6.6 0.27 40 6.9 0.29 42 23.8 19.5 33.7 25.8 5.1 10.1
Other
 		 0.8 0.05 62 1.2 0.09 80 1.5 0.11 70 1.7 0.12 69 1.3 0.11 85 1.4 0.12 89 1.8 0.17 95 1.4 0.13 93 29.8 34.5 0.5 11.8 -18.1 -19.5
Payments by payee location 56.6 2.18 38 60.4 2.31 38 66.8 2.47 37 72.7 2.75 38 76.8 2.88 37 76.2 3.14 41 87.8 3.94 45 89.1 3.99 45 8.7 8.1 6.5 12.7 1.5 1.3
Domestic 56.3 2.16 38 60.1 2.29 38 66.3 2.45 37 72.1 2.72 38 72.5 2.70 37 71.8 2.94 41 82.5 3.65 44 83.6 3.71 44 8.6 8.0 4.6 10.3 1.4 1.6
Cross-border 0.3 0.02 63 0.3 0.02 58 0.4 0.02 56 0.5 0.03 55 4.3 0.18 41 4.4 0.19 44 5.3 0.28 53 5.5 0.27 50 23.1 17.7 117.3 114.8 2.7 -3.2
In person ND ND ND ND ND ND ND ND ND 0.3 0.01 47 2.9 0.09 30 2.4 0.07 30 2.7 0.10 37 3.0 0.11 37 ND ND 120.1 103.3 11.5 12.9
Remote
 		 ND ND ND ND ND ND ND ND ND 0.3 0.02 63 1.5 0.09 63 2.0 0.12 60 2.6 0.18 70 2.4 0.16 66 ND ND 114.5 122.4 -6.5 -12.1
Payments by payer type 56.6 2.18 38 60.4 2.31 38 66.8 2.47 37 72.7 2.75 38 76.8 2.88 37 76.2 3.14 41 87.8 3.94 45 89.1 3.99 45 8.7 8.1 6.5 12.7 1.5 1.3
Consumer 54.7 2.00 37 58.4 2.12 36 64.4 2.27 35 70.3 2.53 36 74.4 2.65 36 73.9 2.90 39 85.0 3.62 43 86.1 3.64 42 8.7 8.1 6.5 12.7 1.2 0.6
Business
 		 1.9 0.17 92 2.0 0.19 91 2.3 0.20 88 2.4 0.22 93 2.5 0.23 93 2.3 0.24 103 2.8 0.32 113 3.0 0.35 115 7.7 8.1 5.9 13.0 7.8 9.1
Payments by transaction value range 56.6 2.18 38 60.4 2.31 38 66.8 2.47 37 72.7 2.75 38 76.8 2.88 37 76.2 3.14 41 87.8 3.94 45 89.1 3.99 45 8.7 8.1 6.5 12.7 1.5 1.3
less than $5.00 8.0 0.02 3 8.6 0.02 2 11.7 0.02 2 12.6 0.02 2 13.2 0.02 2 12.0 0.02 2 12.8 0.02 2 13.2 0.03 2 16.1 3.8 0.5 -4.0 3.2 39.2
$5.00 to $9.99 10.7 0.08 7 11.5 0.08 7 12.0 0.09 7 12.6 0.09 7 13.2 0.10 7 12.0 0.09 7 13.1 0.09 7 13.0 0.09 7 5.9 5.9 1.1 0.4 -0.2 <0.1
$10.00 to $14.99 7.2 0.09 12 8.0 0.10 12 8.6 0.10 12 9.5 0.11 12 10.2 0.12 12 9.9 0.12 12 11.1 0.13 12 11.2 0.13 12 9.7 9.6 5.5 4.7 0.5 0.2
$15.00 to $24.99 9.3 0.18 20 10.1 0.20 20 10.5 0.20 19 11.4 0.22 19 12.3 0.24 19 12.6 0.24 19 14.4 0.27 19 14.7 0.28 19 7.0 6.8 8.0 7.1 2.0 1.8
$25.00 to $49.99 11.0 0.38 35 11.4 0.40 35 12.3 0.43 35 13.6 0.47 35 14.2 0.49 34 14.3 0.48 34 17.5 0.60 34 17.4 0.60 34 7.3 7.2 8.7 8.0 -0.3 -0.1
$50.00 to $99.99 6.0 0.41 69 6.2 0.43 69 6.6 0.46 69 7.4 0.51 68 7.8 0.52 67 8.4 0.56 66 10.6 0.70 67 11.2 0.74 67 7.4 7.1 12.4 11.5 6.0 5.9
$100.00 to $499.99 4.2 0.74 178 4.4 0.79 178 4.7 0.84 179 5.2 0.93 180 5.4 0.97 177 6.4 1.11 174 7.7 1.38 178 7.8 1.37 177 7.4 7.7 14.6 14.1 0.1 -0.5
$500.00 to $999.99 0.2 0.13 657 0.2 0.14 658 0.2 0.15 658 0.3 0.18 655 0.3 0.19 646 0.4 0.23 567 0.5 0.31 636 0.5 0.31 636 11.8 11.7 21.9 20.7 -2.4 -2.4
$1000.00 or greater
 		 0.1 0.14 1,852 0.1 0.16 1,919 0.1 0.18 1,857 0.1 0.21 1,836 0.1 0.23 1,802 0.2 0.30 1,210 0.2 0.43 1,785 0.2 0.44 1,833 14.3 13.9 27.5 26.3 -0.2 2.5
Payments, cross-border with non-U.S. cards (U.S. payee) 0.3 0.02 70 0.3 0.02 60 0.4 0.02 58 0.5 0.03 51 0.6 0.03 44 0.8 0.02 29 1.0 0.03 30 1.1 0.04 36 21.4 9.1 25.7 5.6 4.7 27.1

 

Table 4: General Purpose Prepaid Debit Card Payments 2015-22

Networks, Processors, and Issuers Survey (NPIPS) 2015 2016 2017 2018 2019 2020 2021 2022 CAGR (percent) AGR (percent)
Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 2015-18 2018-21 2021-22
Number Value Number Value Number Value
Payments by channel and authentication method 4.3 0.15 35 4.4 0.15 34 5.3 0.16 30 6.0 0.19 32 6.5 0.21 32 8.5 0.31 36 9.0 0.38 42 9.0 0.35 39 12.3 8.7 14.2 25.4 <0.1 -6.0
In person 3.5 0.1 29 3.6 0.10 28 4.1 0.10 26 4.5 0.12 27 4.9 0.13 27 5.8 0.19 32 5.9 0.23 39 6.2 0.21 34 8.9 5.6 9.4 24.1 3.8 -10.1
Chip <0.1 <0.01 37 0.1 0.01 39 0.5 0.01 29 0.9 0.03 28 1.2 0.03 25 2.0 0.06 30 2.7 0.10 36 3.7 0.11 30 506.8 453.8 44.6 56.5 33.8 11.7
Contact ND ND ND ND ND ND ND ND ND 0.9 0.03 28 1.2 0.03 26 1.9 0.06 31 2.3 0.09 40 2.7 0.09 36 ND ND 36.2 52.7 17.1 4.4
Contactless ND ND ND ND ND ND ND ND ND <0.1 <0.01 13 <0.1 <0.01 11 0.1 <0.01 14 0.5 0.01 16 1.0 0.01 15 ND ND 264.1 291.1 113.9 100.8
PIN <0.1 <0.01 37 ND ND ND ND ND ND 0.7 0.02 32 0.8 0.02 31 1.2 0.05 37 1.5 0.08 50 1.9 0.08 42 558.1 526.9 31.9 52.3 25.0 5.4
No PIN <0.1 <0.01 37 ND ND ND ND ND ND 0.2 <0.01 17 0.4 0.01 15 0.8 0.01 17 1.2 0.02 18 1.7 0.03 17 417 298.5 72.1 76.1 45.1 34.1
No chip 3.5 0.1 29 3.5 0.10 28 3.6 0.09 25 3.6 0.09 26 3.6 0.10 27 3.8 0.13 34 3.2 0.13 41 2.5 0.10 39 1.1 -2.5 -4.2 11.6 -22.1 -26.4
PIN 1.4 0.04 32 ND ND ND ND ND ND 1.5 0.05 32 1.4 0.05 33 1.7 0.07 42 1.2 0.07 57 0.9 0.04 48 2.8 2.4 -5.9 14.0 -28.6 -39.4
No PIN 2.1 0.06 27 ND ND ND ND ND ND 2.1 0.05 22 2.2 0.05 24 2.2 0.06 27 1.9 0.06 31 1.6 0.05 34 <0.1 -6.6 -3.0 9.0 -18.0 -11.3
Remote 0.8 0.05 61 0.8 0.05 59 1.2 0.06 46 1.5 0.07 47 1.7 0.08 48 2.7 0.12 46 3.0 0.15 48 2.8 0.15 52 25.7 15.2 26.7 27.6 -7.4 0.4
Mail-order/telephone-order 0.1 0.01 90 0.1 0.01 88 0.1 0.01 85 0.2 0.01 90 0.1 0.01 97 0.2 0.02 103 0.2 0.02 113 0.2 0.02 127 5.1 5.0 2.3 10.5 0.1 12.3
Internet purchase 0.5 0.03 51 0.6 0.03 48 0.8 0.03 37 1.0 0.04 38 1.2 0.05 39 1.9 0.08 40 2.2 0.10 44 2.1 0.10 46 26.4 14.8 28.6 35.0 -3.9 -0.3
Recurring/installment 0.1 <0.01 54 0.1 <0.01 52 0.1 <0.01 34 0.1 <0.01 32 0.2 0.01 35 0.3 0.01 26 0.4 0.01 23 0.3 0.01 25 25.1 5.3 48.9 33.1 -26.3 -19.1
Other <0.1 <0.01 105 0.1 0.01 90 0.1 0.01 66 0.2 0.01 73 0.2 0.01 76 0.2 0.02 77 0.2 0.02 84 0.2 0.02 96 62.5 43.7 10.7 16.1 -9.9 2.9
Payments by payee location 4.3 0.15 35 4.4 0.15 34 5.3 0.16 30 6.0 0.19 32 6.5 0.21 32 8.5 0.31 36 9.0 0.38 42 9.0 0.35 39 12.3 8.7 14.2 25.4 <0.1 -6.0
Domestic 4.2 0.15 35 4.4 0.15 34 5.2 0.16 30 6.0 0.19 32 5.8 0.18 31 7.6 0.27 36 8.1 0.33 41 8.2 0.31 38 12.2 8.7 10.7 20.1 1.9 -4.7
Cross-border <0.1 <0.01 27 <0.1 <0.01 25 <0.1 <0.01 21 0.1 <0.01 25 0.7 0.03 40 0.9 0.04 41 0.9 0.05 55 0.7 0.04 57 14.4 11.4 159.5 236.3 -17.8 -14.8
In person ND ND ND ND ND ND ND ND ND <0.1 <0.01 31 0.4 0.01 28 0.4 0.01 28 0.4 0.02 52 0.3 0.02 48 ND ND 204.2 262.3 -19.0 -24
Remote ND ND ND ND ND ND ND ND ND <0.1 <0.01 23 0.3 0.02 60 0.4 0.02 53 0.5 0.03 57 0.4 0.02 64 ND ND 134.6 219.4 -16.7 -7.0
Payments by payer type 4.3 0.15 35 4.4 0.15 34 5.3 0.16 30 6.0 0.19 32 6.5 0.21 32 8.5 0.31 36 9.0 0.38 42 9.0 0.35 39 12.3 8.7 14.2 25.4 <0.1 -6.0
Consumer 4.2 0.14 34 4.4 0.15 34 5.2 0.15 29 5.8 0.18 31 6.3 0.19 30 8.2 0.28 35 8.6 0.33 39 8.3 0.28 34 11.5 7.3 13.6 23.2 -2.3 -15.0
Business <0.1 <0.01 84 0.1 <0.01 82 0.1 0.01 70 0.2 0.01 64 0.3 0.02 94 0.3 0.03 88 0.4 0.04 103 0.6 0.07 114 58.8 45.4 29.5 51.3 48.6 64.7
Payments by account type 4.3 0.15 35 4.4 0.15 34 5.3 0.16 30 6.0 0.19 32 6.5 0.21 32 8.5 0.31 36 9.0 0.38 42 9.0 0.35 39 12.3 8.7 14.2 25.4 <0.1 -6.0
Reloadable 3.6 0.13 35 3.8 0.13 35 4.6 0.14 31 5.1 0.16 31 5.5 0.17 31 7.4 0.27 36 8.1 0.32 40 8.3 0.31 38 11.8 7.0 16.8 27.1 3.2 -2.3
Non-reloadable 0.6 0.02 32 0.6 0.02 30 0.7 0.02 26 1.0 0.03 35 1.0 0.04 36 1.0 0.04 41 0.9 0.05 59 0.6 0.04 59 14.9 18.7 -2.0 16.7 -28.1 -28.4
Payments by transaction value range 4.3 0.15 35 4.4 0.15 34 5.3 0.16 30 6.0 0.19 32 6.5 0.21 32 8.5 0.31 36 9.0 0.38 42 9.0 0.35 39 12.3 8.7 14.2 25.4 <0.1 -6.0
less than $5.00 0.9 <0.01 2 1.0 <0.01 2 1.6 <0.01 2 1.8 <0.01 1 1.8 <0.01 2 2.1 <0.01 1 2.2 <0.01 1 2.2 <0.01 2 26.5 6.3 7.1 5.7 0.1 35.4
$5.00 to $9.99 0.9 0.01 7 0.9 0.01 7 1.0 0.01 7 1.1 0.01 7 1.2 0.01 7 1.4 0.01 7 1.4 0.01 7 1.5 0.01 7 8.3 8.4 8.9 9.2 4.6 4.2
$10.00 to $14.99 0.5 0.01 12 0.6 0.01 12 0.6 0.01 12 0.7 0.01 12 0.8 0.01 12 1.0 0.01 12 1.1 0.01 12 1.1 0.01 12 11.3 11.2 13.1 13.2 4.9 4.0
$15.00 to $24.99 0.6 0.01 19 0.6 0.01 19 0.7 0.01 19 0.8 0.01 19 0.9 0.02 19 1.2 0.02 19 1.3 0.03 19 1.4 0.03 19 8.0 7.7 18.9 19.0 3.4 2.7
$25.00 to $49.99 0.7 0.02 35 0.6 0.02 34 0.7 0.02 34 0.8 0.03 34 0.9 0.03 34 1.2 0.04 35 1.3 0.05 35 1.3 0.05 34 5.6 5.4 19.6 20.2 -0.4 -2.0
$50.00 to $99.99 0.4 0.03 68 0.4 0.03 67 0.4 0.03 68 0.4 0.03 68 0.5 0.03 68 0.8 0.05 68 0.8 0.05 68 0.8 0.05 67 5.8 5.7 21.2 21.6 -3.9 -5.1
$100.00 to $499.99 0.3 0.05 179 0.3 0.05 180 0.3 0.06 181 0.4 0.07 182 0.4 0.07 182 0.6 0.11 180 0.8 0.14 182 0.6 0.12 186 7.7 8.3 27.1 27.0 -14.3 -12.2
$500.00 to $999.99 <0.1 0.01 639 <0.1 0.01 645 <0.1 0.01 647 <0.1 0.02 653 <0.1 0.02 650 <0.1 0.03 618 0.1 0.05 582 0.1 0.04 651 13.5 14.3 44.0 38.6 -24.3 -15.3
$1000.00 or greater <0.1 0.01 1,676 <0.1 0.01 1,647 <0.1 0.01 1,680 <0.1 0.01 1,722 <0.1 0.02 1,731 <0.1 0.03 1,325 <0.1 0.04 1,787 <0.1 0.04 1,948 19.0 20.1 37.9 39.6 -3.6 5.1
Payments, cross-border with non-U.S. cards (U.S. payee) 0.1 <0.01 66 0.1 0.01 66 0.1 0.01 64 0.1 0.01 57 0.1 0.01 51 0.1 <0.01 34 0.1 <0.01 30 0.1 <0.01 35 10.5 4.7 1.4 -18.0 17.0 36.1

 

Table 5: General Purpose Credit Card Payments 2015-22

Networks, Processors, and Issuers Survey (NPIPS) 2015 2016 2017 2018 2019 2020 2021 2022 CAGR (percent) AGR (percent)
Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 2015-18 2018-21 2021-22
Number Value Number Value Number Value
Payments by channel and authentication method 31.0 2.80 90 34.3 3.00 88 37.7 3.32 88 40.9 3.64 89 44.0 3.91 89 39.7 3.59 91 47.8 4.52 95 55.3 5.42 98 9.7 9.1 5.3 7.5 15.6 19.9
In person 21.7 1.30 60 23.4 1.36 58 24.8 1.43 58 25.6 1.45 57 28.0 1.60 57 21.2 1.25 59 26.9 1.73 64 31.5 2.09 66 5.7 3.5 1.7 6.2 16.9 20.4
Chip 1.0 0.08 77 6.6 0.47 71 12.1 0.79 65 15.4 0.97 63 18.8 1.15 61 16.5 1.02 62 22.9 1.41 62 28.0 1.76 63 146 130.3 14.3 13.1 22.2 24.8
Contact ND ND ND ND ND ND ND ND ND 15.1 0.96 64 18.1 1.11 61 15.3 0.96 63 19.5 1.25 64 20.9 1.42 68 ND ND 9.0 9.2 7.4 13.7
Contactless ND ND ND ND ND ND ND ND ND 0.3 0.01 49 0.7 0.04 54 1.2 0.06 54 3.4 0.16 47 7.0 0.34 48 ND ND 128.2 124.4 106.6 111.6
PIN <0.1 <0.01 90 ND ND ND ND ND ND 0.1 0.01 77 0.1 0.01 78 0.1 0.01 66 0.2 0.01 62 0.2 0.01 71 107.6 97.4 6.6 -0.8 19.1 36.5
No PIN 1.0 0.08 77 ND ND ND ND ND ND 15.2 0.97 63 18.7 1.14 61 16.4 1.01 62 22.8 1.40 62 27.8 1.75 63 146.5 130.7 14.3 13.3 22.2 24.7
No chip 20.7 1.22 59 16.8 0.89 53 12.8 0.64 50 10.3 0.47 46 9.1 0.45 49 4.8 0.23 47 4.0 0.32 79 3.5 0.32 92 -20.8 -27.2 -26.7 -12.2 -13.1 0.9
PIN <0.1 <0.01 128 ND ND ND ND ND ND <0.1 <0.01 92 <0.1 <0.01 129 <0.1 <0.01 185 <0.1 <0.01 261 <0.1 <0.01 262 -30.2 -37.4 -19.1 14.4 -24.7 -24.6
No PIN 20.6 1.22 59 ND ND ND ND ND ND 10.3 0.47 46 9.1 0.45 49 4.8 0.23 47 4.0 0.32 79 3.5 0.32 92 -20.8 -27.1 -26.7 -12.2 -13.1 0.9
Remote 9.3 1.50 161 10.9 1.64 151 12.9 1.89 147 15.3 2.20 143 16.0 2.31 144 18.5 2.35 127 20.9 2.79 134 23.8 3.34 141 18.0 13.6 10.8 8.3 13.9 19.5
Mail-order/telephone-order 1.2 0.43 371 1.2 0.41 353 1.1 0.41 367 1.1 0.46 400 1.1 0.48 420 1.1 0.44 417 1.3 0.53 419 1.4 0.64 444 -0.7 1.8 3.2 4.8 14.2 20.8
Internet purchase 5.8 0.81 138 6.6 0.84 127 7.7 0.94 121 9.2 1.10 119 10.2 1.21 119 12.5 1.33 106 13.8 1.63 119 15.8 1.94 123 16.4 11.0 14.3 14.0 14.5 18.9
Recurring/installment 1.9 0.15 79 2.0 0.16 77 2.4 0.17 73 2.9 0.21 73 3.3 0.23 70 3.8 0.26 69 4.7 0.33 69 5.3 0.39 74 15.8 12.4 17.8 16.0 12.4 19.6
Other 0.5 0.11 247 1.1 0.24 228 1.6 0.37 227 2.1 0.43 207 1.4 0.39 272 1.2 0.32 275 1.1 0.31 271 1.3 0.37 291 65.6 56.1 -18.3 -10.6 12.4 20.5
Payments by payee location 31.0 2.80 90 34.3 3.00 88 37.7 3.32 88 40.9 3.64 89 44.0 3.91 89 39.7 3.59 91 47.8 4.52 95 55.3 5.42 98 9.7 9.1 5.3 7.5 15.6 19.9
Domestic 30.5 2.73 89 33.7 2.92 87 37.0 3.23 87 40.1 3.53 88 43.0 3.79 88 39.1 3.53 90 47 4.42 94 53.9 5.27 98 9.5 8.9 5.5 7.8 14.7 19.0
Cross-border 0.5 0.07 148 0.6 0.08 133 0.7 0.10 134 0.9 0.11 130 1.0 0.12 119 0.6 0.07 118 0.8 0.10 128 1.3 0.16 119 21.5 16.4 -3.0 -3.6 66.3 55.5
In person ND ND ND ND ND ND ND ND ND 0.5 0.05 99 0.6 0.06 94 0.2 0.02 91 0.4 0.04 99 0.8 0.07 84 ND ND -11.9 -11.8 115.0 82.0
Remote ND ND ND ND ND ND ND ND ND 0.3 0.06 181 0.4 0.06 161 0.3 0.05 137 0.4 0.06 152 0.5 0.09 172 ND ND 8.7 2.6 24.4 40.6
Payments by payer type 31.0 2.80 90 34.3 3 88 37.7 3.32 88 40.9 3.64 89 44.0 3.91 89 39.7 3.59 91 47.8 4.52 95 55.3 5.42 98 9.7 9.1 5.3 7.5 15.6 19.9
Consumer 26.9 1.95 72 29.9 2.1 70 33.0 2.32 70 35.9 2.53 70 38.7 2.70 70 35.6 2.56 72 43.5 3.40 78 50.2 4.02 80 10.1 9.1 6.6 10.4 15.4 18.3
Business 4.1 0.86 207 4.4 0.9 206 4.7 1.01 213 5.0 1.12 221 5.3 1.21 227 4.1 1.04 253 4.3 1.12 259 5.1 1.40 275 6.8 9.2 -4.8 0.2 17.2 24.6
Payments by transaction value range 31.0 2.80 90 34.3 3.00 88 37.7 3.32 88 40.9 3.64 89 44.0 3.91 89 39.7 3.59 91 47.8 4.52 95 55.3 5.42 98 9.7 9.1 5.3 7.5 15.6 19.9
less than $5.00 3.3 0.01 2 3.7 0.01 2 4.2 0.01 2 4.6 0.01 2 4.9 0.01 2 4.2 0.01 2 4.1 0.01 2 4.8 0.01 3 11.9 11.1 -3.8 -6.9 18.0 64.0
$5.00 to $9.99 3.9 0.03 7 4.4 0.03 7 4.8 0.04 7 5.1 0.04 7 5.5 0.04 7 4.6 0.03 8 5.5 0.04 7 6.4 0.05 8 10.1 10.0 2.1 2.5 16.1 26.9
$10.00 to $14.99 3.0 0.04 12 3.5 0.04 12 3.9 0.05 12 4.4 0.05 12 4.8 0.06 12 4.3 0.05 12 5.1 0.06 12 5.8 0.08 13 13.7 13.6 4.8 5.4 13.9 23.8
$15.00 to $24.99 4.5 0.09 20 5.1 0.10 19 5.4 0.11 19 5.8 0.11 19 6.4 0.12 19 5.9 0.12 20 7.0 0.14 20 8.2 0.18 21 9.2 9.0 6.7 7.0 17.0 27.4
$25.00 to $49.99 6.5 0.23 35 7.1 0.25 35 7.9 0.28 35 8.5 0.30 35 9.1 0.32 35 8.2 0.29 35 10.5 0.38 36 11.8 0.46 39 9.2 9.3 7.4 8.0 12.0 22.7
$50.00 to $99.99 4.6 0.32 69 4.9 0.34 69 5.3 0.37 69 5.9 0.40 69 6.2 0.43 69 5.9 0.41 70 7.7 0.54 70 9.3 0.71 76 8.5 8.3 9.5 9.9 20.3 31.6
$100.00 to $499.99 4.6 0.86 189 4.9 0.91 188 5.2 0.99 190 5.6 1.06 190 5.9 1.13 191 5.6 1.07 189 6.7 1.30 194 7.7 1.62 211 7.1 7.4 6.2 7.0 14.9 24.7
$500.00 to $999.99 0.5 0.31 668 0.5 0.33 662 0.5 0.36 666 0.6 0.40 664 0.6 0.42 667 0.5 0.36 655 0.7 0.47 674 0.8 0.57 740 9.3 9.0 5.1 5.6 10.7 21.4
$1000.00 or greater 0.3 0.93 2,932 0.3 0.99 2,916 0.4 1.13 2,940 0.4 1.26 2,978 0.5 1.37 3,032 0.4 1.26 2,983 0.5 1.59 3,137 0.5 1.74 3,194 10.2 10.8 6.1 8.0 7.7 9.6
Payments, cross-border with non-U.S. cards (U.S. payee) 2.2 0.27 126 1.3 0.14 111 1.4 0.15 113 1.5 0.18 119 1.5 0.17 111 1.0 0.08 82 1.2 0.10 82 1.5 0.13 89 -12.2 -13.8 -7.2 -17.9 26.5 36.2

 

Table 6: Private-Label Prepaid and EBT Cards 2015-22

Networks, Processors, and Issuers Survey (NPIPS) 2015 2016 2017 2018 2019 2020 2021 2022 CAGR (percent) AGR (percent)
Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 2015-18 2018-21 2021-22
Number Value Number Value Number Value
Payments by channel 4.4 0.07 16 4.9 0.07 15 5.4 0.08 15 5.5 0.10 18 5.6 0.07 13 4.6 0.07 15 5.2 0.08 16 5.4 0.09 16 8.3 12.5 -2.3 -6.4 4.6 9.4
In person 4.4 0.07 16 4.7 0.07 14 5.0 0.07 14 5.0 0.09 18 5.1 0.06 13 3.8 0.06 15 4.2 0.06 15 3.9 0.07 17 4.8 8.6 -5.5 -10.0 -7.3 1.8
Remote <0.1 <0.01 60 0.1 <0.01 33 0.3 0.01 21 0.5 0.01 19 0.6 0.01 16 0.8 0.01 17 0.9 0.02 17 1.5 0.02 15 753.9 483.2 22.2 17.6 58.4 40.4
Payments by card type 4.4 0.07 16 4.9 0.07 15 5.4 0.08 15 5.5 0.10 18 5.6 0.07 13 4.6 0.07 15 5.2 0.08 16 5.4 0.09 16 8.3 12.5 -2.3 -6.4 4.6 9.4
Reloadable 3.5 0.04 11 4.0 0.04 11 4.5 0.05 10 4.6 0.07 15 5.2 0.05 10 4.1 0.05 11 4.8 0.06 13 4.8 0.07 14 8.9 19.6 1.9 -1.3 0.6 5.0
Non-reloadable 0.8 0.03 36 0.9 0.03 35 0.9 0.03 37 1.0 0.03 33 0.4 0.02 48 0.5 0.02 44 0.4 0.02 49 0.6 0.02 38 5.3 2.0 -28.9 -19.0 59.0 25.6
Electronic benefits transfer (EBT) 2.6 0.08 29 2.5 0.07 28 2.4 0.06 27 2.3 0.06 27 2.1 0.06 30 3.5 0.11 30 4.8 0.16 35 4.1 0.15 36 -3.7 -6.1 26.9 38.3 -13.7 -11.0

 

Table 7: Private-Label Credit Cards 2015-22

Networks, Processors, and Issuers Survey (NPIPS) 2015 2016 2017 2018 2019 2020 2021 2022 CAGR (percent) AGR (percent)
Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 2015-18 2018-21 2021-22
Number Value Number Value Number Value
Payments by channel 2.7 0.25 93 2.9 0.26 90 3.0 0.27 91 3.7 0.33 90 2.8 0.28 98 2.5 0.25 97 3.1 0.53 170 3.3 0.40 123 11.1 9.8 -5.0 17.5 4.6 -24.5
In person 2.3 0.23 99 2.4 0.24 99 2.4 0.24 100 2.8 0.28 99 2.1 0.24 117 1.4 0.17 125 1.6 0.33 209 2.0 0.31 156 7.6 7.5 -17.7 5.7 23.6 -7.6
Merchant-issued card or token <0.1 <0.01 <1 <0.1 <0.01 <1 <0.1 <0.01 <1 2.0 0.16 77 1.6 0.17 102 0.9 0.08 89 1.2 0.13 112 1.2 0.12 99 <0.1 <0.1 -16.7 -5.6 4.9 -7.4
Mobile App <0.1 <0.01 <1 <0.1 <0.01 <1 <0.1 <0.01 <1 <0.1 <0.01 44 <0.1 <0.01 104 <0.1 <0.01 43 <0.1 <0.01 33 <0.1 0.01 199 <0.1 <0.1 -11.5 -19.5 106.7 1131.1
Other <0.1 <0.01 <1 <0.1 <0.01 <1 <0.1 <0.01 <1 0.8 0.12 156 0.4 0.07 183 0.4 0.09 204 0.4 0.20 504 0.7 0.18 256 <0.1 <0.1 -20.6 17.2 75.8 -10.8
Remote 0.4 0.02 56 0.5 0.03 54 0.6 0.03 51 0.8 0.05 58 0.8 0.04 46 1.2 0.08 64 1.6 0.20 130 1.3 0.10 73 27.6 29.5 23.6 61.3 -14.7 -52.1
Payments by payer type 2.7 0.25 93 2.9 0.26 90 3.0 0.27 91 3.7 0.33 90 2.8 0.28 98 2.5 0.25 97 3.1 0.53 170 3.3 0.40 123 11.1 9.8 -5.0 17.5 4.6 -24.5
Consumer 1.8 0.19 103 2.0 0.20 101 2.0 0.20 101 2.3 0.23 100 2.0 0.20 99 1.8 0.18 102 2.2 0.38 172 2.3 0.27 119 8.0 7.0 -0.9 18.8 3.6 -28.6
Business 0.9 0.06 73 0.9 0.06 67 1.0 0.07 71 1.4 0.10 73 0.8 0.08 95 0.8 0.07 87 0.9 0.15 164 1.0 0.13 132 17.1 17.3 -12.4 14.7 6.9 -14.2

 

Table 8: Alternative Payment Methods & Systems 2015-22

Networks, Processors, and Issuers Survey (NPIPS) 2015 2016 2017 2018 2019 2020 2021 2022 CAGR (percent) AGR (percent)
Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 2015-18 2018-21 2021-22
Number Value Number Value Number Value
Person-to-Person (P2P) and Money Transfer Processors
Payments by payee location (NPIPS) 0.5 0.16 336 ND ND ND ND ND ND 1.6 0.35 217 3.0 0.68 228 5.3 1.03 194 7.8 1.45 186 9.5 1.67 175 49.3 29.1 69.4 60.8 22.4 15.0
Domestic 0.4 0.12 341 ND ND ND ND ND ND 1.5 0.31 209 2.8 0.63 224 5.1 0.96 189 7.6 1.38 182 9.3 1.60 171 58.7 34.8 73.0 65.1 23.2 16.0
Cross-border 0.1 0.04 320 ND ND ND ND ND ND 0.1 0.04 307 0.1 0.04 304 0.2 0.06 334 0.2 0.07 343 0.2 0.07 349 6.3 4.8 14.7 19.0 -5.9 -4.1
Payments by origination channel (NPIPS) 0.5 0.16 336 ND ND ND ND ND ND 1.6 0.35 217 3.0 0.68 228 5.3 1.03 194 7.8 1.45 186 9.5 1.67 175 49.3 29.1 69.4 60.8 22.4 15.0
Website 0.2 0.09 434 ND ND ND ND ND ND 0.7 0.15 220 1.1 0.35 324 1.1 0.35 308 0.9 0.38 416 1.2 0.38 330 50.7 20.1 10.2 36.3 28.4 1.7
Mobile phone 0.2 0.03 206 ND ND ND ND ND ND 0.8 0.15 202 1.7 0.26 152 4.0 0.60 149 6.5 0.97 149 7.9 1.17 147 67.0 65.8 104.6 84.8 21.5 20.3
In person 0.1 0.04 412 ND ND ND ND ND ND 0.1 0.04 297 0.1 0.04 310 0.1 0.05 366 0.1 0.05 382 0.1 0.05 392 15.1 3.2 -4.3 4.1 -3.6 -1.1
All other <0.1 <0.01 138 ND ND ND ND ND ND <0.1 <0.01 169 0.1 0.03 447 0.1 0.04 693 0.2 0.05 229 0.3 0.07 208 -8.7 -2.2 123.9 147.4 40.7 28.4
Payments by funding instrument (NPIPS) 0.5 0.16 336 ND ND ND ND ND ND 1.6 0.35 217 3.0 0.68 228 5.3 1.03 194 7.8 1.45 186 9.5 1.67 175 49.3 29.1 69.4 60.8 22.4 15.0
Cash or check ND ND ND ND ND ND ND ND ND ND ND ND 0.1 0.02 340 0.2 0.06 357 0.2 0.07 349 0.2 0.07 378 ND ND ND ND -8.2 -0.8
General-purpose card network ND ND ND ND ND ND ND ND ND ND ND ND 1.5 0.12 79 2.4 0.21 86 3.7 0.32 88 4.2 0.34 82 ND ND ND ND 13.5 5.9
ACH ND ND ND ND ND ND ND ND ND ND ND ND 0.1 0.28 1,913 0.2 0.31 1,815 0.3 0.46 1,702 0.3 0.49 1,435 ND ND ND ND 26.2 6.3
Internal prefunded/prepaid account or internal book transfer ND ND ND ND ND ND ND ND ND ND ND ND 0.4 0.06 131 1.0 0.05 56 1.6 0.09 57 2.2 0.11 53 ND ND ND ND 37.0 26.1
Other ND ND ND ND ND ND ND ND ND ND ND ND 0.8 0.20 251 1.6 0.40 249 2.0 0.50 246 2.7 0.65 245 ND ND ND ND 29.9 29.1
Payments by clearing method (NPIPS) 0.5 0.16 336 ND ND ND ND ND ND 1.6 0.35 217 3.0 0.68 228 5.3 1.03 194 7.8 1.45 186 9.5 1.67 175 49.3 29.1 69.4 60.8 22.4 15.0
Credit card/signature debit network <0.1 <0.01 180 ND ND ND ND ND ND 0.9 0.20 209 ND ND ND ND ND ND ND ND ND ND ND ND 244.1 261.5 ND ND ND ND
EFT/PIN debit network 0.1 0.02 254 ND ND ND ND ND ND 0.4 0.06 155 ND ND ND ND ND ND ND ND ND ND ND ND 71.5 45.4 ND ND ND ND
ACH 0.1 0.02 268 ND ND ND ND ND ND 0.1 0.03 502 ND ND ND ND ND ND ND ND ND ND ND ND -15.4 4.3 ND ND ND ND
Book transfer 0.2 0.06 281 ND ND ND ND ND ND 0.2 0.05 274 ND ND ND ND ND ND ND ND ND ND ND ND -7.5 -8.2 ND ND ND ND
Other 0.1 0.05 711 ND ND ND ND ND ND 0.1 0.02 312 ND ND ND ND ND ND ND ND ND ND ND ND -5.8 -28.4 ND ND ND ND
Payments by disbursement speed (NPIPS) 0.5 0.16 336 ND ND ND ND ND ND 1.6 0.35 217 3.0 0.68 228 5.3 1.03 194 7.8 1.45 186 9.5 1.67 175 49.3 29.1 69.4 60.8 22.4 15.0
Immediate transactions ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND 7.5 0.59 79 8.8 0.82 93 ND ND ND ND 17.2 38.2
Other ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND 0.3 0.85 2,859 0.8 0.84 1,119 ND ND ND ND 152.9 -1.1
Payments by transaction value range (NPIPS) 0.5 0.16 336 ND ND ND ND ND ND 1.6 0.35 217 3.0 0.68 228 5.3 1.03 194 7.8 1.45 186 9.5 1.67 175 49.3 29.1 69.4 60.8 22.4 15.0
Less than $25.00 0.1 <0.01 11 ND ND ND ND ND ND 0.5 <0.01 11 1.1 0.01 11 2.1 0.03 12 3.3 0.05 15 4.2 0.06 13 65.1 64.7 93.2 113.7 29.9 20.3
$25.00 to $49.99 0.1 <0.01 30 ND ND ND ND ND ND 0.2 0.01 35 0.5 0.02 36 1.0 0.04 37 1.5 0.06 42 1.7 0.07 42 58.8 68.0 81.9 91.8 19.3 19.6
$50.00 to $99.99 0.1 <0.01 55 ND ND ND ND ND ND 0.3 0.02 67 0.4 0.03 69 0.8 0.06 70 1.2 0.09 79 1.4 0.11 79 51.1 61.6 67.6 76.4 17.6 18.9
$100.00 to $249.99 0.1 0.01 128 ND ND ND ND ND ND 0.3 0.05 154 0.5 0.07 154 0.8 0.13 159 1.1 0.20 175 1.3 0.24 178 43.2 52.2 50.8 57.6 16.4 18.3
$250.00 to $499.99 0.1 0.02 291 ND ND ND ND ND ND 0.1 0.05 356 0.2 0.06 358 0.3 0.10 371 0.4 0.15 407 0.4 0.18 419 39.6 49.2 37.7 44.0 14.3 17.7
$500.00 to $999.99 <0.1 0.02 559 ND ND ND ND ND ND 0.1 0.07 685 0.1 0.08 686 0.2 0.12 715 0.2 0.17 782 0.3 0.21 814 34.1 43.5 29.1 34.9 13.3 18.0
$1000.00 or greater <0.1 0.10 2,544 ND ND ND ND ND ND 0.1 0.15 1,825 0.1 0.40 4,253 0.1 0.56 4,225 0.2 0.72 4,560 0.2 0.81 4,678 26.1 12.9 25.7 70.5 8.9 11.7
Payments, cross-border from non-U.S. domiciled accounts (NPIPS) <0.1 <0.01 246 ND ND ND ND ND ND <0.1 <0.01 263 <0.1 <0.01 171 <0.1 <0.01 149 <0.1 <0.01 259 <0.1 <0.01 270 -9.9 -7.8 17.3 16.7 -2.5 1.5
Online Bill Payment Processors
Payments by initiation method (NPIPS) 3.2 1.57 486 ND ND ND ND ND ND 3.6 1.94 541 ND ND ND ND ND ND 3.6 2.09 588 ND ND ND 3.4 7.2 -0.3 2.6 ND ND
Bank/intermediary 2.7 1.31 481 ND ND ND ND ND ND 2.5 1.47 584 ND ND ND ND ND ND 2.3 1.50 641 ND ND ND -2.5 4.0 -2.5 0.6 ND ND
Biller-direct 0.5 0.26 511 ND ND ND ND ND ND 1.1 0.46 438 ND ND ND ND ND ND 1.2 0.59 487 ND ND ND 27.1 20.8 4.6 8.3 ND ND
Payments by disbursement method (NPIPS) 3.2 1.57 486 ND ND ND ND ND ND 3.6 1.94 541 ND ND ND ND ND ND 3.6 2.09 588 ND ND ND 3.4 7.2 -0.3 2.6 ND ND
ACH 1.9 0.94 498 ND ND ND ND ND ND 2.3 1.24 532 ND ND ND ND ND ND 2.7 1.42 536 ND ND ND 6.9 9.4 4.6 4.9 ND ND
Immediate transactions 0.6 0.23 394 ND ND ND ND ND ND 0.7 0.30 414 ND ND ND ND ND ND 0.5 0.22 481 ND ND ND 7.6 9.4 -14.1 -9.7 ND ND
Check 0.5 0.27 588 ND ND ND ND ND ND 0.4 0.37 816 ND ND ND ND ND ND 0.3 0.39 1,280 ND ND ND -0.3 11.3 -12.2 2.0 ND ND
Other 0.3 0.13 439 ND ND ND ND ND ND 0.1 0.03 400 ND ND ND ND ND ND 0.1 0.06 419 ND ND ND -34.1 -36.1 15.2 16.9 ND ND
Payments by funding method (NPIPS) 3.2 1.57 486 ND ND ND ND ND ND 3.6 1.94 541 ND ND ND ND ND ND 3.6 2.09 588 ND ND ND 3.4 7.2 -0.3 2.6 ND ND
Cash <0.1 <0.01 150 ND ND ND ND ND ND <0.1 <0.01 148 ND ND ND ND ND ND <0.1 <0.01 787 ND ND ND -58.8 -58.9 832.4 1,526.8 ND ND
Check 0.3 0.18 695 ND ND ND ND ND ND <0.1 0.01 742 ND ND ND ND ND ND 0.4 0.49 1,320 ND ND ND -69.2 -68.5 267.7 345.7 ND ND
General-purpose card 0.3 0.05 198 ND ND ND ND ND ND 0.3 0.07 209 ND ND ND ND ND ND 0.7 0.33 481 ND ND ND 7.2 9.3 25.9 66.1 ND ND
ACH 2.5 1.24 502 ND ND ND ND ND ND 2.8 1.65 592 ND ND ND ND ND ND 2.3 1.19 512 ND ND ND 4.3 10.2 -5.9 -10.4 ND ND
Other 0.2 0.10 432 ND ND ND ND ND ND 0.4 0.21 470 ND ND ND ND ND ND 0.2 0.08 459 ND ND ND 22.2 25.7 -26.5 -27.0 ND ND
Walk-In Bill Payment Processors
Payments by disbursement method (NPIPS) 0.2 0.03 140 ND ND ND ND ND ND 0.2 0.03 149 ND ND ND ND ND ND 0.1 0.02 157 ND ND ND -5.2 -3.2 -11.2 -9.7 ND ND
ACH 0.2 0.03 134 ND ND ND ND ND ND 0.1 0.02 156 ND ND ND ND ND ND 0.1 0.02 163 ND ND ND -10.7 -6.0 -2.8 -1.4 ND ND
Immediate transactions <0.1 <0.01 134 ND ND ND ND ND ND <0.1 <0.01 146 ND ND ND ND ND ND <0.1 <0.01 94 ND ND ND -6.0 -3.2 35.5 17.1 ND ND
Check <0.1 <0.01 211 ND ND ND ND ND ND <0.1 <0.01 127 ND ND ND ND ND ND <0.1 <0.01 <1 ND ND ND 33.3 12.4 ND ND ND ND
Other <0.1 <0.01 163 ND ND ND ND ND ND <0.1 <0.01 135 ND ND ND ND ND ND <0.1 <0.01 <1 ND ND ND 11.5 4.7 ND ND ND ND
Payments by funding method (NPIPS) 0.2 0.03 140 ND ND ND ND ND ND 0.2 0.03 149 ND ND ND ND ND ND 0.1 0.02 157 ND ND ND -5.2 -3.2 -11.2 -9.7 ND ND
Cash 0.2 0.03 137 ND ND ND ND ND ND 0.2 0.03 150 ND ND ND ND ND ND 0.1 0.02 147 ND ND ND -7.0 -4.1 -11.3 -12.0 ND ND
General-purpose card <0.1 <0.01 59 ND ND ND ND ND ND <0.1 <0.01 <1 ND ND ND ND ND ND <0.1 <0.01 260 ND ND ND ND ND ND ND ND ND
Other <0.1 <0.01 225 ND ND ND ND ND ND <0.1 <0.01 138 ND ND ND ND ND ND <0.1 <0.01 220 ND ND ND 28.8 9.4 -50.9 -42.6 ND ND
Private-Label ACH Debit Card Processors
Payments 0.2 0.01 50 ND ND ND ND ND ND 0.3 0.01 50 ND ND ND ND ND ND 0.4 0.02 48 ND ND ND 7.8 7.5 13.9 12.2 ND ND
Cash-back at the point of sale <0.1 <0.01 27 ND ND ND ND ND ND <0.1 <0.01 44 ND ND ND ND ND ND <0.1 0.01 458 ND ND ND -25.7 -12.8 28.9 182.2 ND ND
Adjustments and returns <0.1 <0.01 30 ND ND ND ND ND ND <0.1 <0.01 134 ND ND ND ND ND ND <0.1 <0.01 140 ND ND ND -10.3 47.6 10.7 12.2 ND ND
ACH returns <0.1 <0.01 76 ND ND ND ND ND ND <0.1 <0.01 51 ND ND ND ND ND ND <0.1 <0.01 183 ND ND ND 7.4 -6.2 24.2 90.4 ND ND
Other <0.1 <0.01 28 ND ND ND ND ND ND <0.1 <0.01 140 ND ND ND ND ND ND <0.1 <0.01 135 ND ND ND -11.2 51.5 9.7 8.3 ND ND
Denials <0.1 <0.01 53 ND ND ND ND ND ND <0.1 <0.01 206 ND ND ND ND ND ND <0.1 <0.01 82 ND ND ND 51.1 137.9 -7.8 -32.1 ND ND
Online Payment Method Processors
Payments by authentication method 3.4 0.16 47 ND ND ND ND ND ND 5.4 0.27 50 ND ND ND ND ND ND 8.6 0.44 52 ND ND ND 17.1 18.8 16.7 18.3 ND ND
Redirected from the merchant or biller site 1.0 0.03 28 ND ND ND ND ND ND 3.5 0.23 67 ND ND ND ND ND ND 5.0 0.37 75 ND ND ND 51.7 103.5 12.6 16.9 ND ND
Normal ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND 4.7 0.35 73 ND ND ND ND ND ND ND ND ND
Delayed/instant credit ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND 0.2 0.02 97 ND ND ND ND ND ND ND ND ND
Secure online prepaid/escrow-account 2.3 0.13 56 ND ND ND ND ND ND 0.3 0.01 16 ND ND ND ND ND ND 0.6 0.01 16 ND ND ND -47.0 -65.3 21.6 21.2 ND ND
Token vault <0.1 <0.01 <1 ND ND ND ND ND ND <0.1 <0.01 <1 ND ND ND ND ND ND <0.1 <0.01 <1 ND ND ND ND ND ND ND ND ND
Other 0.1 0.01 56 ND ND ND ND ND ND 1.6 0.03 19 ND ND ND ND ND ND 3.0 0.06 21 ND ND ND 142.9 68.7 23.8 28.1 ND ND
Mobile Wallet Processors
Payments by channel 1.3 0.05 38 ND ND ND ND ND ND 2.9 0.11 39 ND ND ND 6.9 0.28 40 9.5 0.39 41 14.4 0.54 37 31.7 32.0 48.5 50.8 51.3 39.6
Purchase 1.3 0.05 37 ND ND ND ND ND ND 2.8 0.09 33 ND ND ND 6.6 0.23 35 9.0 0.32 35 13.8 0.46 33 30.1 25.9 48.4 51.1 53.1 45.3
In person 0.6 0.02 28 ND ND ND ND ND ND 1.3 0.03 19 ND ND ND 2.9 0.07 24 4.7 0.11 24 7.7 0.19 25 27.8 13.2 52.1 64.0 64.9 68.6
Radio transmission RFID/NFC ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND 2.1 0.05 24 4.0 0.09 22 6.8 0.15 23 ND ND ND ND 68.4 75.7
Optical barcode/QR code ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND 0.8 0.02 25 0.6 0.03 41 0.9 0.04 42 ND ND ND ND 42.8 44.6
Remote 0.6 0.03 46 ND ND ND ND ND ND 1.4 0.07 46 ND ND ND 3.7 0.16 44 4.3 0.20 47 6.1 0.27 44 32.3 32.7 44.8 45.4 40.3 32.4
Person-to-person (P2P) <0.1 <0.01 127 ND ND ND ND ND ND 0.2 0.02 132 ND ND ND 0.4 0.05 125 0.5 0.07 131 0.6 0.08 122 88.7 90.9 49.9 49.6 21.8 13.8
Other <0.1 <0.01 <1 ND ND ND ND ND ND <0.1 <0.01 29 ND ND ND <0.1 <0.01 88 <0.1 <0.01 38 <0.1 <0.01 50 ND ND 246.4 279.5 -15.4 9.2

 

Table 9: General-Purpose Card Payments 2020-2022 Quarterly

Networks, Processors, and Issuers Survey (NPIPS) 2020 2021 2022
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)		 Number
(billions)		 Value
($ trillions)		 Average
($)
General-Purpose Card
Payments by channel and authentication method 30.5 1.69 55 28.3 1.61 57 32.4 1.83 56 33.1 1.91 58 32.5 1.95 60 36.1 2.22 61 37.5 2.26 60 38.4 2.4 63 35.4 2.25 63 38.8 2.49 64 39.4 2.48 63 39.7 2.54 64
In person 20.9 0.80 38 17.0 0.70 41 20.9 0.84 40 20.7 0.86 41 20.1 0.88 44 23.3 1.05 45 24.3 1.08 44 24.2 1.12 46 22.2 1.02 46 25.2 1.18 47 25.5 1.17 46 24.9 1.18 47
Chip 15.0 0.62 41 12.8 0.57 44 15.7 0.67 43 16.2 0.71 44 16.0 0.71 44 19.2 0.87 45 20.4 0.90 44 20.8 0.95 46 19.0 0.86 45 21.9 1.02 46 22.5 1.02 45 22.2 1.03 47
Contact 14.3 0.60 42 12.1 0.54 45 14.7 0.64 44 14.9 0.67 45 14.4 0.67 46 17.0 0.80 47 17.6 0.82 46 17.4 0.85 49 15.5 0.75 48 17.3 0.86 50 17.2 0.85 49 16.3 0.84 51
Contactless 0.7 0.02 27 0.7 0.02 32 1.0 0.03 30 1.3 0.04 31 1.6 0.04 28 2.2 0.06 28 2.9 0.08 28 3.4 0.10 30 3.5 0.12 33 4.6 0.15 33 5.3 0.17 32 5.9 0.20 34
No Chip 5.9 0.18 31 4.2 0.13 31 5.2 0.17 33 4.5 0.15 33 4.0 0.17 43 4.1 0.18 45 3.9 0.18 46 3.4 0.16 48 3.2 0.16 49 3.3 0.17 50 3.1 0.15 51 2.7 0.14 52
Remote 9.6 0.89 92 11.4 0.92 81 11.5 0.98 86 12.5 1.06 85 12.5 1.07 86 12.8 1.17 91 13.1 1.19 90 14.3 1.29 90 13.2 1.23 93 13.6 1.31 97 13.8 1.31 95 14.8 1.37 92
Debit Card
Payments by channel and authentication method 20.3 0.77 38 19.8 0.84 42 22.3 0.92 41 22.3 0.92 41 22.5 1.01 45 24.6 1.11 45 24.8 1.08 44 24.9 1.11 45 23.1 1.03 45 24.9 1.11 45 25.0 1.09 44 25 1.10 44
In person 14.8 0.46 31 12.9 0.45 35 15.4 0.52 34 15.0 0.51 34 14.8 0.55 37 16.7 0.62 37 16.9 0.61 36 16.6 0.61 37 15.4 0.57 37 17.1 0.64 37 17.2 0.62 36 16.7 0.62 37
Chip 10.6 0.35 33 9.6 0.36 38 11.4 0.41 35 11.6 0.42 36 11.7 0.45 38 13.6 0.52 38 14.1 0.51 37 14.1 0.54 38 13.1 0.49 38 14.8 0.56 38 15.0 0.55 37 14.8 0.56 38
Contact 10.1 0.34 34 9.1 0.35 39 10.7 0.39 37 10.8 0.40 37 10.6 0.42 40 12.1 0.49 41 12.2 0.48 39 11.9 0.49 41 10.8 0.43 40 11.8 0.49 41 11.7 0.48 41 11.1 0.47 42
Contactless 0.5 0.01 16 0.5 0.01 20 0.7 0.01 19 0.8 0.02 20 1.1 0.02 18 1.5 0.03 20 1.9 0.04 20 2.2 0.05 21 2.3 0.06 25 3.0 0.07 25 3.3 0.08 24 3.7 0.09 25
No Chip 4.2 0.11 26 3.3 0.09 27 4.0 0.11 28 3.4 0.10 28 3.1 0.11 34 3.0 0.10 34 2.8 0.09 33 2.5 0.08 33 2.3 0.08 34 2.3 0.08 34 2.1 0.07 33 1.9 0.06 33
Remote 5.5 0.31 57 6.9 0.39 56 6.9 0.40 58 7.2 0.41 56 7.8 0.46 60 7.9 0.48 61 7.9 0.47 60 8.3 0.50 60 7.7 0.46 60 7.8 0.47 60 7.9 0.47 59 8.3 0.48 58
Non-Prepaid Debit Card
Payments by channel and authentication method 18.5 0.71 38 17.7 0.76 43 19.9 0.83 41 20.1 0.84 42 20.2 0.91 45 22.2 1.01 45 22.6 0.99 44 22.8 1.03 45 21.0 0.94 45 22.7 1.03 45 22.8 1.01 44 22.6 1.01 45
In person 13.5 0.42 31 11.6 0.41 35 13.7 0.46 34 13.5 0.47 35 13.3 0.48 37 15.1 0.56 37 15.4 0.55 36 15.2 0.57 37 13.9 0.52 37 15.6 0.59 38 15.6 0.57 37 15.1 0.57 38
Chip 10.2 0.34 34 9.1 0.35 38 10.9 0.39 36 11.0 0.40 36 11.1 0.42 38 12.9 0.49 38 13.4 0.49 37 13.4 0.51 38 12.3 0.47 38 13.9 0.53 39 14.1 0.53 37 13.8 0.53 38
Contact 9.7 0.33 34 8.7 0.34 39 10.2 0.38 37 10.3 0.39 38 10.1 0.40 40 11.5 0.47 41 11.6 0.46 39 11.3 0.47 41 10.2 0.41 40 11.2 0.46 42 11.0 0.45 41 10.4 0.44 43
Contactless 0.5 0.01 16 0.5 0.01 20 0.6 0.01 20 0.8 0.02 20 1.0 0.02 18 1.4 0.03 20 1.7 0.03 20 2.0 0.04 21 2.1 0.06 26 2.7 0.07 26 3.0 0.07 24 3.4 0.09 26
No Chip 3.4 0.08 24 2.4 0.06 24 2.9 0.07 26 2.5 0.06 26 2.2 0.06 29 2.2 0.07 30 2.1 0.06 30 1.8 0.06 31 1.7 0.05 31 1.7 0.06 32 1.5 0.05 32 1.3 0.04 31
Remote 5.0 0.29 58 6.2 0.35 57 6.2 0.36 59 6.5 0.38 58 7.0 0.43 61 7.1 0.45 63 7.1 0.44 61 7.6 0.46 61 7.0 0.43 60 7.1 0.44 61 7.2 0.43 60 7.5 0.44 59
GP Prepaid Debit Card
Payments by channel and authentication method 1.8 0.06 35 2.1 0.08 38 2.4 0.09 38 2.2 0.08 35 2.3 0.10 45 2.3 0.10 43 2.2 0.09 40 2.1 0.08 39 2.2 0.09 42 2.2 0.09 39 2.2 0.09 38 2.3 0.09 38
In person 1.3 0.04 30 1.4 0.05 35 1.6 0.05 33 1.5 0.05 31 1.5 0.07 43 1.5 0.06 41 1.5 0.05 36 1.4 0.05 35 1.5 0.05 36 1.5 0.05 33 1.6 0.05 32 1.6 0.05 33
Chip 0.4 0.01 28 0.5 0.02 33 0.6 0.02 30 0.6 0.02 28 0.6 0.02 40 0.7 0.03 39 0.7 0.02 33 0.8 0.02 32 0.8 0.03 31 0.9 0.03 30 1.0 0.03 29 1.0 0.03 30
Contact 0.4 0.01 29 0.4 0.02 34 0.5 0.02 31 0.5 0.01 29 0.5 0.02 43 0.6 0.03 43 0.6 0.02 37 0.6 0.02 37 0.6 0.02 37 0.7 0.02 35 0.7 0.02 35 0.7 0.02 36
Contactless <0.1 <0.01 12 <0.1 <0.01 15 <0.1 <0.01 16 0.1 <0.01 14 0.1 <0.01 17 0.1 <0.01 17 0.1 <0.01 15 0.2 <0.01 15 0.2 <0.01 15 0.2 <0.01 15 0.3 <0.01 14 0.3 <0.01 15
No Chip 0.9 0.03 31 0.9 0.03 36 1.1 0.04 35 0.9 0.03 32 0.9 0.04 46 0.8 0.04 42 0.8 0.03 39 0.7 0.02 37 0.7 0.03 42 0.6 0.02 38 0.6 0.02 37 0.6 0.02 38
Remote 0.5 0.02 47 0.7 0.03 46 0.7 0.03 47 0.7 0.03 43 0.8 0.04 48 0.8 0.04 48 0.7 0.03 48 0.7 0.03 49 0.7 0.04 53 0.7 0.04 53 0.7 0.04 52 0.7 0.04 50
GP Credit Card
Payments by channel and authentication method 10.2 0.92 90 8.5 0.77 91 10.1 0.91 90 10.9 0.99 91 10.0 0.94 94 11.6 1.11 96 12.7 1.18 93 13.5 1.29 96 12.3 1.21 99 13.8 1.38 100 14.3 1.39 97 14.8 1.44 97
In person 6.1 0.34 56 4.0 0.24 60 5.5 0.32 59 5.6 0.34 61 5.3 0.33 63 6.6 0.43 64 7.5 0.47 63 7.6 0.50 66 6.8 0.45 66 8.1 0.54 67 8.4 0.55 65 8.3 0.55 67
Chip 4.4 0.26 59 3.2 0.20 64 4.3 0.27 62 4.6 0.29 63 4.3 0.27 61 5.6 0.35 62 6.4 0.38 60 6.6 0.42 63 5.9 0.37 62 7.1 0.45 64 7.5 0.46 62 7.4 0.48 64
Contact 4.2 0.25 60 3.0 0.19 65 4.0 0.25 62 4.2 0.27 64 3.8 0.24 63 4.9 0.31 64 5.4 0.34 63 5.4 0.36 67 4.7 0.31 66 5.5 0.37 68 5.5 0.37 67 5.3 0.37 70
Contactless 0.3 0.01 49 0.2 0.01 63 0.3 0.02 53 0.4 0.02 53 0.5 0.02 49 0.7 0.03 47 1.0 0.04 45 1.2 0.06 48 1.2 0.06 48 1.7 0.08 48 2.0 0.09 47 2.2 0.11 49
No Chip 1.6 0.07 46 0.9 0.04 45 1.2 0.06 48 1.0 0.05 50 0.9 0.07 72 1.1 0.08 78 1.1 0.09 80 1.0 0.08 86 0.8 0.08 90 0.9 0.09 91 0.9 0.08 92 0.8 0.08 96
Remote 4.2 0.58 140 4.5 0.53 119 4.6 0.59 128 5.2 0.65 124 4.7 0.60 128 4.9 0.68 138 5.3 0.71 136 5.9 0.79 133 5.5 0.77 140 5.8 0.84 146 6.0 0.84 142 6.5 0.89 136
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Last Update: November 13, 2024