Court filing
RJN 10 — In re Bank of America California Unemployment Benefits Litigation (Dkt. 590-12, S.D. Cal. No. 3:21-md-02992)
Filed October 17, 2025 in In re Bank of America California Unemployment Benefits Litigation; one of 1415 filings from this case.
Record facts
| Court | U.S. District Court for the Southern District of California |
|---|---|
| Filed | 2025-10-17 |
U.S. District Court for the Southern District of California · No. 3:21-md-02992-GPC-MSB · Doc. 590-12 · 2025-10-17 · Docket on CourtListener
Full text
RJN 10
Case 3:21-md-02992-GPC-MSB Document 590-12 Filed 10/17/25 PageID.40334
Page 1 of 12
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
Quarterly data available for the general-purpose card types, including non-prepaid debit, general-purpose prepaid debit, and general-purpose credit
AGR
Annual growth rate
CAGR
Compound annual growth rate
EBT
Electronic benefits transfer
GP
General-purpose
NPIPS
Networks, Processors, and Issuers Payments Surveys
P2P
Person-to-person
PL
Private-label
In the PL Credit Card Payments table, the number and value for 2015 and 2017 for Mobile App was corrected to blank. No data are available.
UPDATES
Federal Reserve Payments Study Website
MORE INFORMATION
ACRONYMS
NOTES
Values and averages are reported in U.S. dollars.
Cells left blank in the data tables indicate data is not reported.
Federal Reserve Payments Study
Each sheet in this workbook contains annual data from 2015 to 2022, compound annual growth rates (CAGRs), and annual growth rates (AGRs).
Businesses are defined to include for-profit and not-for profit enterprises and federal, state, and local government agencies.
Networks, Processors, and Issuers Payments Surveys (NPIPS)
Estimates for Calendar Years 2015-2022
Released November 2024
This workbook contains data that was updated since the original posting on November 13, 2024. See "UPDATES" below for a list of affected items.
Case 3:21-md-02992-GPC-MSB Document 590-12 Filed 10/17/25 PageID.40335
Page 2 of 12
General-Purpose Cards
2015-22
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Networks, Processors, and Issuers Payments Surveys (NPIPS)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
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
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
11.3
13.7
<0.1
4.9
Contactless
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
148.0
145.4
91.0
119.0
PIN
0.1
0.01
54
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
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
48.0
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
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
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
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
63.7
34.6
18.5
23.5
Remote
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
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
$1000.00 or greater
0.4
1.08
2,706
0.4
1.17
2,703
0.5
1.32
2,708
0.5
1.49
2,716
0.6
1.62
2,740
0.7
1.59
2,297
0.8
2.06
2,674
0.8
2.23
2,755
11.1
11.3
12.0
11.4
4.9
8.0
Payments, cross-border with non-U.S. cards (U.S. payee)
2.5
0.30
118
1.7
0.17
99
1.8
0.18
99
2.1
0.21
99
2.2
0.20
90
1.9
0.11
57
2.3
0.13
57
2.7
0.18
66
-6.4
-11.5
3.1
-14.3
16.5
34.1
2015
2016
2017
2018
2019
2021-22
CAGR (percent)
AGR (percent)
2018-21
2021
2015-18
2020
2022
I
I
I
I
I
I
I
I
I
I
I
I
I
I
I
I
Case 3:21-md-02992-GPC-MSB Document 590-12 Filed 10/17/25 PageID.40336
Page 3 of 12
General-Purpose Debit Cards
2015-22
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Networks, Processors, and Issuers Payments Surveys (NPIPS)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
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
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
12.4
17.1
-3.1
-1.0
Contactless
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
161.2
186.7
83.1
127.9
PIN
0.1
0.01
49
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
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
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
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
-22.0
-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
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
126.6
114.4
7.4
6.3
Remote
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
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
$1000.00 or greater
0.1
0.15
1,841
0.1
0.17
1,903
0.1
0.19
1,846
0.1
0.23
1,828
0.1
0.25
1,797
0.3
0.33
1,219
0.3
0.47
1,785
0.3
0.48
1,842
14.6
14.3
28.3
27.2
-0.5
2.7
Payments, cross-border with non-U.S. cards (U.S. payee)
0.4
0.02
69
0.4
0.03
61
0.5
0.03
59
0.6
0.03
52
0.7
0.03
45
0.9
0.03
29
1.1
0.03
30
1.2
0.04
36
19.3
8.3
22.3
2.1
5.9
27.9
2021-22
2021
2022
2015-18
2018-21
CAGR (percent)
AGR (percent)
2020
2015
2016
2017
2018
2019
I
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I
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Case 3:21-md-02992-GPC-MSB Document 590-12 Filed 10/17/25 PageID.40337
Page 4 of 12
Non-Prepaid Debit Cards
2015-22
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Networks, Processors, and Issuers Payments Surveys (NPIPS)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
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
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
11.5
16.1
-4.1
-1.3
Contactless
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
157.1
183.3
80.8
129.5
PIN
0.1
0.01
50
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
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
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
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
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
120.1
103.3
11.5
12.9
Remote
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
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
$1000.00 or greater
0.1
0.14
1,852
0.1
0.16
1,919
0.1
0.18
1,857
0.1
0.21
1,836
0.1
0.23
1,802
0.2
0.30
1,210
0.2
0.43
1,785
0.2
0.44
1,833
14.3
13.9
27.5
26.3
-0.2
2.5
Payments, cross-border with non-U.S. cards (U.S. payee)
0.3
0.02
70
0.3
0.02
60
0.4
0.02
58
0.5
0.03
51
0.6
0.03
44
0.8
0.02
29
1.0
0.03
30
1.1
0.04
36
21.4
9.1
25.7
5.6
4.7
27.1
2015
2016
2017
2018
2019
2021-22
CAGR (percent)
AGR (percent)
2018-21
2021
2015-18
2020
2022
I
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Case 3:21-md-02992-GPC-MSB Document 590-12 Filed 10/17/25 PageID.40338
Page 5 of 12
General-Purpose Prepaid Debit Cards
2015-22
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Networks, Processors, and Issuers Payments Surveys (NPIPS)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
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
0.10
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
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
36.2
52.7
17.1
4.4
Contactless
<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
264.1
291.1
113.9
100.8
PIN
<0.1
<0.01
37
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
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
417.0
298.5
72.1
76.1
45.1
34.1
No chip
3.5
0.10
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
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
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
<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
204.2
262.3
-19.0
-24.0
Remote
<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
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
$1000.00 or greater
<0.1
0.01
1,676
<0.1
0.01
1,647
<0.1
0.01
1,680
<0.1
0.01
1,722
<0.1
0.02
1,731
<0.1
0.03
1,325
<0.1
0.04
1,787
<0.1
0.04
1,948
19.0
20.1
37.9
39.6
-3.6
5.1
Payments, cross-border with non-U.S. cards (U.S. payee)
0.1
<0.01
66
0.1
0.01
66
0.1
0.01
64
0.1
0.01
57
0.1
0.01
51
0.1
<0.01
34
0.1
<0.01
30
0.1
<0.01
35
10.5
4.7
1.4
-18.0
17.0
36.1
2021
CAGR (percent)
2015-18
2018-21
2020
2022
2021-22
AGR (percent)
2015
2016
2017
2018
2019
I
I
I
I
I
I
I
I
I
I
I
I
I
I
I
I
Case 3:21-md-02992-GPC-MSB Document 590-12 Filed 10/17/25 PageID.40339
Page 6 of 12
General-Purpose Credit Cards
2015-22
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Networks, Processors, and Issuers Payments Surveys (NPIPS)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
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
146.0
130.3
14.3
13.1
22.2
24.8
Contact
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
9.0
9.2
7.4
13.7
Contactless
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
128.2
124.4
106.6
111.6
PIN
<0.1
<0.01
90
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
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
<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
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
47.0
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
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
-11.9
-11.8
115.0
82.0
Remote
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
8.7
2.6
24.4
40.6
Payments by payer type
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
Consumer
26.9
1.95
72
29.9
2.10
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
0.90
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
$1000.00 or greater
0.3
0.93
2,932
0.3
0.99
2,916
0.4
1.13
2,940
0.4
1.26
2,978
0.5
1.37
3,032
0.4
1.26
2,983
0.5
1.59
3,137
0.5
1.74
3,194
10.2
10.8
6.1
8.0
7.7
9.6
Payments, cross-border with non-U.S. cards (U.S. payee)
2.2
0.27
126
1.3
0.14
111
1.4
0.15
113
1.5
0.18
119
1.5
0.17
111
1.0
0.08
82
1.2
0.10
82
1.5
0.13
89
-12.2
-13.8
-7.2
-17.9
26.5
36.2
2020
2015
2016
2017
2018
2019
2021-22
AGR (Percent)
2021
CAGR (percent)
2015-18
2018-21
2022
I
I
I
I
I
I
I
I
I
I
I
I
I
I
I
I
Case 3:21-md-02992-GPC-MSB Document 590-12 Filed 10/17/25 PageID.40340
Page 7 of 12
Private-Label Prepaid and EBT Cards
2015-22
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Networks, Processors, and Issuers Payments Surveys (NPIPS)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
Number
Value
Number
Value
Number
Value
Payments by channel
4.4
0.07
16
4.9
0.07
15
5.4
0.08
15
5.5
0.10
18
5.6
0.07
13
4.6
0.07
15
5.2
0.08
16
5.4
0.09
16
8.3
12.5
-2.3
-6.4
4.6
9.4
In person
4.4
0.07
16
4.7
0.07
14
5.0
0.07
14
5.0
0.09
18
5.1
0.06
13
3.8
0.06
15
4.2
0.06
15
3.9
0.07
17
4.8
8.6
-5.5
-10.0
-7.3
1.8
Remote
<0.1
<0.01
60
0.1
<0.01
33
0.3
0.01
21
0.5
0.01
19
0.6
0.01
16
0.8
0.01
17
0.9
0.02
17
1.5
0.02
15
753.9
483.2
22.2
17.6
58.4
40.4
Payments by card type
4.4
0.07
16
4.9
0.07
15
5.4
0.08
15
5.5
0.10
18
5.6
0.07
13
4.6
0.07
15
5.2
0.08
16
5.4
0.09
16
8.3
12.5
-2.3
-6.4
4.6
9.4
Reloadable
3.5
0.04
11
4.0
0.04
11
4.5
0.05
10
4.6
0.07
15
5.2
0.05
10
4.1
0.05
11
4.8
0.06
13
4.8
0.07
14
8.9
19.6
1.9
-1.3
0.6
5.0
Non-reloadable
0.8
0.03
36
0.9
0.03
35
0.9
0.03
37
1.0
0.03
33
0.4
0.02
48
0.5
0.02
44
0.4
0.02
49
0.6
0.02
38
5.3
2.0
-28.9
-19.0
59.0
25.6
Electronic benefits transfer (EBT)
2.6
0.08
29
2.5
0.07
28
2.4
0.06
27
2.3
0.06
27
2.1
0.06
30
3.5
0.11
30
4.8
0.16
35
4.1
0.15
36
-3.7
-6.1
26.9
38.3
-13.7
-11.0
2020
2022
2015
2016
2017
2018
2019
2021-22
AGR (percent)
2021
CAGR (percent)
2015-18
2018-21
I
I I
I
I
I I
I
I
I I
I
I
I
I I
I
I I
I
I
I
Case 3:21-md-02992-GPC-MSB Document 590-12 Filed 10/17/25 PageID.40341
Page 8 of 12
Private-Label Credit Cards
2015-22
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Networks, Processors, and Issuers Payments Surveys (NPIPS)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
Number
Value
Number
Value
Number
Value
Payments by channel
2.7
0.25
93
2.9
0.26
90
3.0
0.27
91
3.7
0.33
90
2.8
0.28
98
2.5
0.25
97
3.1
0.53
170
3.3
0.40
123
11.1
9.8
-5.0
17.5
4.6
-24.5
In person
2.3
0.23
99
2.4
0.24
99
2.4
0.24
100
2.8
0.28
99
2.1
0.24
117
1.4
0.17
125
1.6
0.33
209
2.0
0.31
156
7.6
7.5
-17.7
5.7
23.6
-7.6
Merchant-issued card or token
2.0
0.16
77
1.6
0.17
102
0.9
0.08
89
1.2
0.13
112
1.2
0.12
99
-16.7
-5.6
4.9
-7.4
Mobile App1
<0.1
<0.01
44
<0.1
<0.01
104
<0.1
<0.01
43
<0.1
<0.01
33
<0.1
0.01
199
-11.5
-19.5
106.7
1,131.1
Other
0.8
0.12
156
0.4
0.07
183
0.4
0.09
204
0.4
0.20
504
0.7
0.18
256
-20.6
17.2
75.8
-10.8
Remote
0.4
0.02
56
0.5
0.03
54
0.6
0.03
51
0.8
0.05
58
0.8
0.04
46
1.2
0.08
64
1.6
0.20
130
1.3
0.10
73
27.6
29.5
23.6
61.3
-14.7
-52.1
Payments by payer type
2.7
0.25
93
2.9
0.26
90
3.0
0.27
91
3.7
0.33
90
2.8
0.28
98
2.5
0.25
97
3.1
0.53
170
3.3
0.40
123
11.1
9.8
-5.0
17.5
4.6
-24.5
Consumer
1.8
0.19
103
2.0
0.20
101
2.0
0.20
101
2.3
0.23
100
2.0
0.20
99
1.8
0.18
102
2.2
0.38
172
2.3
0.27
119
8.0
7.0
-0.9
18.8
3.6
-28.6
Business
0.9
0.06
73
0.9
0.06
67
1.0
0.07
71
1.4
0.10
73
0.8
0.08
95
0.8
0.07
87
0.9
0.15
164
1.0
0.13
132
17.1
17.3
-12.4
14.7
6.9
-14.2
1 On March 6, 2025, the number and value for 2015 and 2017 for Mobile App was corrected to blank. No data are availabl
2021-22
AGR (percent)
2021
CAGR (percent)
2015-18
2018-21
2020
2022
2015
2016
2017
2018
2019
I I
I I I
I I I
I I I
I I I
I I I
I I I
I I I
I I ' I ' I ' I
Case 3:21-md-02992-GPC-MSB Document 590-12 Filed 10/17/25 PageID.40342
Page 9 of 12
Alternative Payment Methods & Systems
2015-22
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Networks, Processors, and Issuers Payments Surveys (NPIPS)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
Number
Value
Number
Value
Number
Value
Person-to-Person (P2P) and Money Transfer Processor
Payments by payee location
0.5
0.16
336
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
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
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 channe
0.5
0.16
336
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
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
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
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
<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
0.5
0.16
336
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
0.1
0.02
340
0.2
0.06
357
0.2
0.07
349
0.2
0.07
378
-8.2
-0.8
General-purpose card network
1.5
0.12
79
2.4
0.21
86
3.7
0.32
88
4.2
0.34
82
13.5
5.9
ACH
0.1
0.28
1,913
0.2
0.31
1,815
0.3
0.46
1,702
0.3
0.49
1,435
26.2
6.3
Internal prefunded/prepaid account or internal book transfer
0.4
0.06
131
1.0
0.05
56
1.6
0.09
57
2.2
0.11
53
37.0
26.1
Other
0.8
0.20
251
1.6
0.40
249
2.0
0.50
246
2.7
0.65
245
29.9
29.1
Payments by clearing method
0.5
0.16
336
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
0.9
0.20
209
244.1
261.5
EFT/PIN debit network
0.1
0.02
254
0.4
0.06
155
71.5
45.4
ACH
0.1
0.02
268
0.1
0.03
502
-15.4
4.3
Book transfer
0.2
0.06
281
0.2
0.05
274
-7.5
-8.2
Other
0.1
0.05
711
0.1
0.02
312
-5.8
-28.4
Payments by disbursement speed
0.5
0.16
336
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
7.5
0.59
79
8.8
0.82
93
17.2
38.2
Other
0.3
0.85
2,859
0.8
0.84
1,119
152.9
-1.1
Payments by transaction value range
0.5
0.16
336
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
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
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
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
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
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
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
$1000.00 or greater
<0.1
0.10
2,544
0.1
0.15
1,825
0.1
0.40
4,253
0.1
0.56
4,225
0.2
0.72
4,560
0.2
0.81
4,678
26.1
12.9
25.7
70.5
8.9
11.7
Payments, cross-border from non-U.S. domiciled accounts
<0.1
<0.01
246
<0.1
<0.01
263
<0.1
<0.01
171
<0.1
<0.01
149
<0.1
<0.01
259
<0.1
<0.01
270
-9.9
-7.8
17.3
16.7
-2.5
1.5
2020
2022
2015
2016
2017
2018
2019
2021-22
2021
2015-18
2018-21
CAGR (percent)
AGR (percent)
I
I
I
I
I
I
I
I
I
I
I
I
I
I
I
I
Case 3:21-md-02992-GPC-MSB Document 590-12 Filed 10/17/25 PageID.40343
Page 10 of 12
Alternative Payment Methods & Systems
2015-22
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Networks, Processors, and Issuers Payments Surveys (NPIPS)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
Number
Value
Number
Value
Number
Value
2020
2022
2015
2016
2017
2018
2019
2021-22
2021
2015-18
2018-21
CAGR (percent)
AGR (percent)
Online Bill Payment Processors
Payments by initiation method
3.2
1.57
486
3.6
1.94
541
3.6
2.09
588
3.4
7.2
-0.3
2.6
Bank/intermediary
2.7
1.31
481
2.5
1.47
584
2.3
1.50
641
-2.5
4.0
-2.5
0.6
Biller-direct
0.5
0.26
511
1.1
0.46
438
1.2
0.59
487
27.1
20.8
4.6
8.3
Payments by disbursement method
3.2
1.57
486
3.6
1.94
541
3.6
2.09
588
3.4
7.2
-0.3
2.6
ACH
1.9
0.94
498
2.3
1.24
532
2.7
1.42
536
6.9
9.4
4.6
4.9
Immediate transactions
0.6
0.23
394
0.7
0.30
414
0.5
0.22
481
7.6
9.4
-14.1
-9.7
Check
0.5
0.27
588
0.4
0.37
816
0.3
0.39
1,280
-0.3
11.3
-12.2
2.0
Other
0.3
0.13
439
0.1
0.03
400
0.1
0.06
419
-34.1
-36.1
15.2
16.9
Payments by funding method
3.2
1.57
486
3.6
1.94
541
3.6
2.09
588
3.4
7.2
-0.3
2.6
Cash
<0.1
<0.01
150
<0.1
<0.01
148
<0.1
<0.01
787
-58.8
-58.9
832.4
1,526.8
Check
0.3
0.18
695
<0.1
0.01
742
0.4
0.49
1,320
-69.2
-68.5
267.7
345.7
General-purpose card
0.3
0.05
198
0.3
0.07
209
0.7
0.33
481
7.2
9.3
25.9
66.1
ACH
2.5
1.24
502
2.8
1.65
592
2.3
1.19
512
4.3
10.2
-5.9
-10.4
Other
0.2
0.10
432
0.4
0.21
470
0.2
0.08
459
22.2
25.7
-26.5
-27.0
Walk-In Bill Payment Processors
Payments by disbursement method
0.2
0.03
140
0.2
0.03
149
0.1
0.02
157
-5.2
-3.2
-11.2
-9.7
ACH
0.2
0.03
134
0.1
0.02
156
0.1
0.02
163
-10.7
-6.0
-2.8
-1.4
Immediate transactions
<0.1
<0.01
134
<0.1
<0.01
146
<0.1
<0.01
94
-6.0
-3.2
35.5
17.1
Check
<0.1
<0.01
211
<0.1
<0.01
127
0.0
0.00
0
33.3
12.4
Other
<0.1
<0.01
163
<0.1
<0.01
135
0.0
0.00
0
11.5
4.7
Payments by funding method
0.2
0.03
140
0.2
0.03
149
0.1
0.02
157
-5.2
-3.2
-11.2
-9.7
Cash
0.2
0.03
137
0.2
0.03
150
0.1
0.02
147
-7.0
-4.1
-11.3
-12.0
General-purpose card
<0.1
<0.01
59
0.0
0.00
0
<0.1
<0.01
260
Other
<0.1
<0.01
225
<0.1
<0.01
138
<0.1
<0.01
220
28.8
9.4
-50.9
-42.6
Private-Label ACH Debit Card Processors
Payments
0.2
0.01
50
0.3
0.01
50
0.4
0.02
48
7.8
7.5
13.9
12.2
Cash-back at the point of sale
<0.1
<0.01
27
<0.1
<0.01
44
<0.1
0.01
458
-25.7
-12.8
28.9
182.2
Adjustments and returns
<0.1
<0.01
30
<0.1
<0.01
134
<0.1
<0.01
140
-10.3
47.6
10.7
12.2
ACH returns
<0.1
<0.01
76
<0.1
<0.01
51
<0.1
<0.01
183
7.4
-6.2
24.2
90.4
Other
<0.1
<0.01
28
<0.1
<0.01
140
<0.1
<0.01
135
-11.2
51.5
9.7
8.3
Denials
<0.1
<0.01
53
<0.1
<0.01
206
<0.1
<0.01
82
51.1
137.9
-7.8
-32.1
Online Payment Method Processors
Payments by authentication method
3.4
0.16
47
5.4
0.27
50
8.6
0.44
52
17.1
18.8
16.7
18.3
Redirected from the merchant or biller site
1.0
0.03
28
3.5
0.23
67
5.0
0.37
75
51.7
103.5
12.6
16.9
Normal
4.7
0.35
73
Delayed/instant credit
0.2
0.02
97
Secure online prepaid/escrow-account
2.3
0.13
56
0.3
0.01
16
0.6
0.01
16
-47.0
-65.3
21.6
21.2
Token vault
0.0
0.00
0
0.0
0.00
0
0.0
0.00
0
Other
0.1
0.01
56
1.6
0.03
19
3.0
0.06
21
142.9
68.7
23.8
28.1
Mobile Wallet Processors
Payments by channel
1.3
0.05
38
2.9
0.11
39
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
2.8
0.09
33
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
1.3
0.03
19
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
2.1
0.05
24
4.0
0.09
22
6.8
0.15
23
68.4
75.7
Optical barcode/QR code
0.8
0.02
25
0.6
0.03
41
0.9
0.04
42
42.8
44.6
Remote
0.6
0.03
46
1.4
0.07
46
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
0.2
0.02
132
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
0.0
0.00
0
<0.1
<0.01
29
<0.1
<0.01
88
<0.1
<0.01
38
<0.1
<0.01
50
246.4
279.5
-15.4
9.2
I
I
I
I
I
I
I
I
I
I
I
I
I
I
I
I
Case 3:21-md-02992-GPC-MSB Document 590-12 Filed 10/17/25 PageID.40344
Page 11 of 12
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
Number
Value
Average
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
(billions)
($ trillions)
($)
GP 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
2.40
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
GP 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
25.0
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
Q3
Q4
Q1
Q2
Q3
Q4
General-Purpose Cards
2020-22 Quarterly
Networks, Processors, and Issuers Payments Surveys (NPIPS)
Q1
Q2
Q3
Q4
2020
2021
2022
Q1
Q2
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Case 3:21-md-02992-GPC-MSB Document 590-12 Filed 10/17/25 PageID.40345
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