Alternative Payment Systems in the U.S., 2nd Edition

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Alternative Payment Systems in the U.S., 2nd Edition

  1. 1. Get more info on this report!Alternative Payment Systems in the U.S., 2nd EditionJune 1, 2011There has been a gold rush into alternative payments from prospectors seeking to digup the next PayPal. But as with past gold rushes, there have been many claims with fewsuccesses. Despite history’s lessons, with every new “gold rush” come new hopes ofstriking a rich consumer vein. It is all enough to make one’s head spin trying to parseout the various payment types and business models.In addition, the alternative payments landscape is morphing, particularly in the eyes ofconsumers. It is no longer just the underlying mechanism that is important—equallyimportant is the consumer perception of the payment. What’s more, mobile payments (asubset of alternative payments), are quickly becoming a viable platform ready toexplode with merchant and consumer adoption forever changing the paymentslandscape.In this second-edition of The Alternative Payment Systems Industry in the U.S.,Packaged Facts presents an in depth examination of the U.S. alternative paymentsbusiness. The report presents the size and growth of the market and puts it in context toboth the business-to-consumer (B2C) ecommerce market and the total “consumer”payments market including card payments and electronic payments (online billpayment). Special regard is given to the activity of top players and the varied upstarts,particularly in mobile payments, hoping to steal share and further alter the old schoolpayments paradigm. Major key competitors are profiled, along with a focused analysisof consumer payment demographics and preferences.Note: Packaged Facts defines alternative payments as entirely electronic andpredominantly conducted over the Internet though not all are conducted through theACH network. Generally, alternative payments exclude all forms of paper and any debitor credit card where the purchase or remittance is made directly with that medium. Themost common alternative payments are consumer-to-business purchases and peer-to-peer, also referred to as person-to-person (P2P) payments.Research MethodologyThese report data were obtained from government sources, trade associations andpublications, business journals, company literature, investment reports and interviews ofindustry players. In most cases, market data span the 2006-2010 period.
  2. 2. TABLE OF CONTENTSChapter 1: Executive Summary Report Scope Alternative Payments Part of Overall Payments Industry Paper Payments Card Payments Electronic Payments Alternative Payments Defined Methodology Alternative Payments Market Data and Sources Consumer Spending Data and Sources Business-to-Consumer Revenues Defined Consumer Spending Comparison to Business-to-Consumer Revenues Payments Market Data and Sources Overlap Between Card and Electronic Payments Card Payment Data and Sources Electronic Payment Types by Code Used for Electronic Payment Market Alternative Payments Market Size and Growth Figure 1-1: Total Alternative Payment Dollar Volume and Percentage of Total Business-to-Consumer eCommerce Revenue, 2006-2010 (billions $, percent) “Pure Play” Alternative Payment Dollar Volume Figure 1-2: Total Pure Alternative Payment Dollar Volume and Percentage of Total Business-to-Consumer eCommerce Revenue, 2006-2010 (billions $, percent) Card-Funded Alternative Payment Dollar Volume Figure 1-3: Total Card Funded Alternative Payment Dollar Volume and Percentage of Total Business-to-Consumer eCommerce Revenue, 2006-2010 (billions $, percent)
  3. 3. Total Alternative Payment Dollar Volume to Reach $127 Billion Figure 1-4: Total Card Payment Dollar Volume and Percentage of Total Business-to-Consumer eCommerce Revenues Forecast, 2010-2015 (billions $, percent) “Pure Play” Alt Pay Dollar Volume Forecast to $53 Billion Figure 1-5: Total Pure Alternative Payment Dollar Volume and Percentage of Total Business-to-Consumer eCommerce Revenues Forecast, 2006-2010 (billions $, percent) Card-Funded Alt Pay Dollar Volume Forecast to $75 Billion Figure 1-6: Total Card Funded Alternative Payment Dollar Volume and Percentage of Total Business-to-Consumer eCommerce Revenue, 2006-2010 (billions $, percent)Competitive Landscape Endless Alternative Payment Schemes Peer-to-Peer and Direct Payments Table 1-1: Selected U.S. Alternative Payment Competitors by Primary Scheme: P2P and Direct Payment Processors, 2011 Delayed Billing, Recurring Payments and Layaway Schemes Table 1-2: Selected U.S. Alternative Payment Competitors by Primary Scheme: Non-Card Credit, Delayed, and Recurring Billing, 2011 Mobile Payments Table 1-3: Selected U.S. Alternative Payment Competitors by Primary Scheme: Mobile Payments, 2011 eWallets Table 1-4: Selected U.S. Alternative Payment Competitors by Primary Scheme: eWallets, 2011 Payment Competitors Goals Shift Dramatically Mobile Will Bridge Online and Offline In the Meantime, PayPal Continues to Dominate Selected Alt Pay Competitive Activity Mobile Payments Promise Still Unmet
  4. 4. Consumers & Merchants Stuck in a Rut Apple May Jumpstart Mobile Payments Consumer and Merchant Tool in One iTune Accounts Points to Strong Potential Consumer Base Customer Adoption of Mobile Select NFC Mobile Alt Pay ActivityMarketplace Trends Economic Crisis Not So Bad For Alt Pay PCE, Card Spending Down, but Alt Pay Up 12% Figure 1-7: U.S. Gross Domestic Product and Personal Consumption Expenditures, 2000-2010 (billions $) By 2010 Everyone on the Rebound Signs of Economic Improvement Consumers Continue Warming to Electronic Alt Pay Greener Attitudes Cards Still Dominate but Alt Pay Making Strides Card Networks and Issuers Feel the Heat PayPal Open to Real World MasterCard Introduces a Plan Similar to PayPal X Bill Me Later Supplants Card Issuers Google Casts a Large Shadow Checkout by Amazon Simplifies Nacha’s Secure Vault Payments Catches a Big Fish Social Media Enters the Fray Virtual Goods Purchase Increasing Merchants Still Lagging in Offering Alt PayMobile Pay Marketplace Trends Increase in Smartphones Signals Mobile Payments Time
  5. 5. Chaotic for the Foreseeable Future Mobile Payments Bring Alt Pay Offline Millenials Will Drive Mobile Pay PayPal Currently in Leadership Position Banks Shouldn’t Miss the Opportunity Mobile Pay loves iPhone Start-ups Getting Foot In Door Consumer Protections Challenged by Mobile Payments Is Mobile Alt Pay the End for Cash, Check and Credit Cards?Consumer Usage and Profile Consumers Continue Shifting Away from Paper Payments Table 1-5: Consumer Bill Pay Preferences: Forms Used Always, 2009-2010 (%) Online Payments Far Outstrip Card Payments Alternative Payment Brand Focus: PayPal Penetration Stalling? Selected Demographics Profiles Online Bill Pay Users Have Prized Characteristics Recession Effect on Gen-Y Women May Now be Leading Edge in Payments Asians and West Coast Pop for Use The Trifecta: Educated, White-Collar and Home Owners Table 1-6: Demographic Characteristics by Forms Always and Sometimes Used: Online Bill Payment, 2010 (index) Stark Contrast between Online Payment and Check User Profile Table 1-7: Demographic Characteristics by Forms Always and Sometimes Used: Check, 2010 (index) PayPal User Profile Aligns with Online Payment Profile Indications that Women Are Prime PayPal Users Asians and West Coast Pop for Use
  6. 6. PayPal Users are Educated, Financially above Average, White-Collar and Home Owners Table 1-8: Demographic Characteristics of PayPal Users: Last 7 Days and last 30 Days, 2010 (index) Connection between Internet Usage and Income Figure 1-8: Comparison of Broadband Access at Home, Cell Phone Ownership, and Internet Usage by Income Brackets of General Population, 2010Chapter 2: The Market Report Scope Alternative Payments Part of Overall Payments Industry Paper Payments Card Payments Electronic Payments Alternative Payments Defined Methodology Alternative Payments Market Data and Sources Consumer Spending Data and Sources Business-to-Consumer Revenues Defined Consumer Spending Comparison to Business-to-Consumer Revenues Payments Market Data and Sources Overlap Between Card and Electronic Payments Card Payment Data and Sources Electronic Payment Types by Code Used for Electronic Payment MarketeCommerce Market Size and Growth Total B2C eCommerce Tops $332 Billion Figure 2-1: Total Business-to-Consumer eCommerce Revenue, by Service and Retail Sectors, 2006-2010 (in billions $) Table 2-1: Total Business-to-Consumer eCommerce Revenue, by Service and Retail Sectors, 2006-2010 (in billions $)
  7. 7. Figure 2-2: Share of Business-to-Consumer eCommerce Revenue, by Retail and Service Sectors, 2006-2010 (percent) eCommerce Growth Increases Penetration of Consumer Spending Figure 2-3: Penetration of Business-to-Consumer eCommerce Revenues to Total Business-to-Consumer Revenues by Retail and Service Sectors, 2006-2010 (percent)The Evolving Payments Market A Market in Flux as Technologies Change Electronic Payments Begin to Rival Cards Electronic Payments Growth Eclipses Card Payments…Sort of Electronic Payments at $3.7 Trillion in 2010 Total Card Payment Dollar Volume Figure 2-4: Total Consumer Electronic Payment Dollar Volume and Percentage of Total Business-to-Consumer Revenues, 2006-2010 (trillions $, percent) Figure 2-5: Total Card Payment Dollar Volume and Percentage of Total Business-to-Consumer Revenues, 2006-2010 (trillions $, percent) Table 2-2: Total Card Payment Dollar Volume and Percentage of Total Business- to-Consumer Revenues, 2006-2010 (billions $, percent) Payments Mix in U.S. Elusive Figure 2-6: U.S. Business-to Consumer Revenues Payments Mix, 2010 (percent)Alternative Payments Market Size and Growth Alternative Payment Dollar Volume Share Gains Hit Double Digits Figure 2-7: Total Alternative Payment Dollar Volume and Percentage of Total Business-to-Consumer eCommerce Revenue, 2006-2010 (billions $, percent) PayPal Accounts for Bulk Figure 2-8: PayPal and Bill Me Later Combined Share of Total U.S. Alternative Payment Dollar Volume, 2010 (%) Pure Play Alternative Payment Dollar Volume
  8. 8. Figure 2-9: Total Pure Alternative Payment Dollar Volume and Percentage of Total Business-to-Consumer eCommerce Revenue, 2006-2010 (billions $, percent) Card-Funded Alternative Payment Dollar Volume Figure 2-10: Total Card Funded Alternative Payment Dollar Volume and Percentage of Total Business-to-Consumer eCommerce Revenue, 2006-2010 (billions $, percent) Economic Recession Effect on Alternative Payments Modest Positive Growth in Spite of Economic Woes Table 2-3: Total Alternative Payment Dollar Volume by Funding Type, 2006-2010 (billions $, percent) Figure 2-11: Share of Alternative Payment dollar Volume by Funding Source: Non-Card versus Card Funded, 2006-2010 (percent)Market Forecast eCommerce Market Forecast to Hit $647 billion by 2015 Muted Economic Recovery to Keep Growth Modest Retail eCommerce Growth Faster Than Service Growth May Pick Up in 2012 Beyond 2012 Picture Murky Figure 2-12: Total Business-to-Consumer eCommerce Revenue, by Service and Retail Sectors, 2010-2015 (in billions $) Table 2-4: Total Business-to-Consumer eCommerce Revenue, by Service and Retail Sectors, 2000-2007 (in billions $) Electronic Payments to Hit $5.2 Trillion Figure 2-13: Total Consumer Electronic Payment Dollar Volume and Percentage of Total Business-to-Consumer Revenues Forecast, 2010-2015 (percent) Card Payments Near $4.6 Trillion Figure 2-14: Total Card Payment Dollar Volume and Percentage of Total Business-to-Consumer Revenues Forecast, 2010-2015 (percent) Table 2-5 Total Electronic & Card Payment Dollar Volumes and Total B2C Revenues, 2006-2010 (billions $, percent) Total Alternative Payment Dollar Volume to Reach $127 Billion
  9. 9. Slower Economic Rebound Slows Payment Growth PayPal Remains the Leader Figure 2-15: Total Card Payment Dollar Volume and Percentage of Total Business-to-Consumer eCommerce Revenues Forecast, 2010-2015 (percent) Mobile Payments Emerging Mobile Payment Outlook “Pure Play” Alt Pay Dollar Volume Forecast to $53 Billion Figure 2-16: Total Pure Alternative Payment Dollar Volume and Percentage of Total Business-to-Consumer eCommerce Revenues Forecast, 2006-2010 (billions $, percent) Card-Funded Alt Pay Dollar Volume Forecast to $75 Billion Figure 2-17: Total Card Funded Alternative Payment Dollar Volume and Percentage of Total Business-to-Consumer eCommerce Revenue, 2006-2010 (billions $, percent) Table 2-6: Total Alternative Payment Dollar Volume by Funding Type, 2006-2010 (billions $, percent)Chapter 3: Competitive Landscape A Note on Chapter Scope Elastic Marketplace Will Further Stretch Endless Alternative Payment Schemes Peer-to-Peer and Direct Payments Table 3-1: Selected U.S. Alternative Payment Competitors by Primary Scheme: P2P and Direct Payment Processors, 2011 Delayed Billing, Recurring Payments and Layaway Schemes Table 3-2: Selected U.S. Alternative Payment Competitors by Primary Scheme: Non-Card Credit, Delayed, and Recurring Billing, 2011 Mobile Payments Table 3-3: Selected U.S. Alternative Payment Competitors by Primary Scheme: Mobile Payments, 2011 eWallets
  10. 10. Table 3-4: Selected U.S. Alternative Payment Competitors by Primary Scheme:eWallets, 2011Payment Competitors Goals Shift DramaticallyMobile Will Bridge Online and OfflineIn the Meantime, PayPal Continues to DominateBill Me Later Joins PayPal, Loses Amazon.comAmerican Express Quells RevolutionRevolution HypeRevolution Lacked of Focus or Compelling BenefitRevolution’s Uphill BattleConceding DefeatAmerican Express Launches ServeIs Google Checkout Checking Out?AdWords and Checkout Growing PainsGoogle Making a Play?See What SticksVisa, MasterCard Still Eager to Be in the GameVisa Nabs CyberSourceMasterCard Answers with DataCashVisa Enters Gaming Payments MarketMobile Payments Promise Still UnmetConfusion ReignsConsumers & Merchants Stuck in a RutCatch-22 of AcceptanceApple May Jumpstart Mobile Payments34 NFC-Related PatentsConsumer and Merchant Tool in OneiTune Accounts Points to Strong Potential Consumer Base
  11. 11. Customer Adoption of Mobile Nokia Phones to Have NFC Google Thinking Mobile with Android Isis a Viable Threat Apple’s Edge is Branding and Loyalty Cards and Banks Sticker Efforts Nearly Non-Threatening Merchant Adoption of NFC Remains Unclear Card Networks Made Some Strides Apple Already Testing NFC for Small Biz Again, Things Change Quickly Google Developing Special Cash Register? Is This Just a Classic Rivalry at Work? Imagine a World with Apple Payments Conservative Estimate at $820 Million Online in 2012 Figure 3-1: Potential Apple, Inc. Payment Platform Gross Dollar Volume by Online and Offline Purchases, 2012-2015 (millions $) Table 3-5: Potential Apple, Inc. Payment Platform Gross Dollar Volume by Online and Offline Purchases, 2012-2015 (millions $) Multiple Players May Create Critical Mass in Mobile Payment AdoptionChapter 4: Selected Corporate ProfilesPayPal, Bill Me Later (eBay, Inc.) PayPal, Bill Me Later Performance Payments Revenues Figure 4-1: PayPal and Bill Me Later Combined Global Net Payment Transaction Revenues and Payment Dollar Volume Take Rate, 2006-2010 (millions $, %) Table 4-1: PayPal and Bill Me Later Combined Global Net Payment Transaction Revenues and Year-over-Year Percentage Change, 2006-2010 (millions $, %) Transactions
  12. 12. Figure 4-2: PayPal and Bill Me Later Combined Global Total Payment Transaction Volume and Average Revenue per Transaction, 2006-2010 (millions, $) Table 4-2: PayPal and Bill Me Later Combined Global Total Payment Transactions and Average Revenue per Transaction ($), 2006-2010 (in millions) Dollar Volume Figure 4-3: PayPal and Bill Me Later Combined Global Total Payment Dollar Volume and Average Dollar Value per Transaction ($), 2006-2010 (in billions $) Table 4-3: PayPal and Bill Me Later Combined Global Payment Dollar Volume and Average Value per Transaction, 2006-2010 (millions $, $) U.S. Payment Dollar Volume Figure 4-4: PayPal and Bill Me Later Combined U.S. Total Payment Dollar Volume and Percentage of Total U.S. Alternative Payment Dollar Volume, 2006- 2010 (in billions $) Table 4-4: PayPal and Bill Me Later Combined U.S. Payment Dollar Volume and Year-over-Year Percentage Change, 2006-2010 (millions $, $) Active Accounts Figure 4-5: PayPal and Bill Me Later Combined Global Total Active Accounts and Average Number of Transactions per Active Account, 2006-2010 (millions, no.) Table 4-5: PayPal and Bill Me Later Combined Global Active Accounts and Average Transactions per Active Account, 2006-2010 (millions $, $) PayPal Volume Figure 4-6: PayPal Total Global Dollar Volume and Share of Total eBay Payments Dollar Volume, 2006-2010 (billions $, %) Bill Me Later Volume Figure 4-7: Bill Me Later Global Dollar Volume and Share of Total eBay Payments Dollar Volume, 2006-2010 (millions $, %) Table 4-6: PayPal and Bill Me Later Global Payment Dollar Volume and Combined Payment Dollar Volume on a Pro Forma Basis, 2006-2010 (millions $, $)Amazon PaymentsFaceCashGoogle Checkout
  13. 13. mFoundryObopayPayNearMe, IncPlaySpan, Inc. PlaySpan Performance Figure 4-8: PlaySpan, Inc. Revenue, 2006-2010 (millions $)Secure Vault Payments Zong, Inc. Other Alternative Payment Players Table 4-7: Other Alternative Payment Players to Watch, 2011Chapter 5: Marketplace Trends in Alternative Payments Payments Industry Suffers Due to Economy For Alt Pay, Not So Bad Looking Back at the Great Recession PCE, Card Spending Down, but Alt Pay Up 12% Figure 5-1: U.S. Gross Domestic Product and Personal Consumption Expenditures, 2000-2010 (billions $) By 2010 Everyone on the Rebound Figure 5-2: U.S. Gross Domestic Product and Personal Consumption Expenditures Year-over-Year Percentage Change, 2000-2010 (billions $) Consumer Sentiment Foretells Lower Consumer Spending Figure 5-3: University of Michigan’s Consumer Sentiment Index (CSI) and Alternative of Labor Underutilization (U-6), 2007-2010 Signs of Economic Improvement Expectations Higher, But Still Cautious Figure 5-4: U.S. Gross Domestic Product and Personal Consumption Expenditures Forecast, 2010-2015 (billions $) Figure 5-5: U.S. Gross Domestic Product and Personal Consumption Expenditures Year-over-Year Percentage Change Forecast, 2010-2015 (billions $)
  14. 14. Figure 5-6: Retail Sales per Capita and U.S. Population, 2000-2010 (thousands$, millions persons)Figure 5-7: eCommerce Retail Sales per Capita and Percent of Retail Sales perCapita, 2000-2010 ($, %)Alternative Pay, a Dynamic MarketConsumers Warming to Electronic Alt PayGenerational Equilibrium in Certain Payment Related AreasGreener Attitudes Want Less PaperGrowth in Online Shopping Driving Alt PayCards Still Dominate eCommerce but Alt Pay Making StridesCard Networks and Issuers Feel the HeatCard Players Go into Acquisition ModePayPal Open to Real World…and Virtual OpportunitiesBill Me Later Supplants Card IssuersGoogle Casts a Large ShadowCheckout by Amazon SimplifiesCard Payments Seek AlliancesTapping into Established Technology to Drive Consumer InterestMasterCard Introduces a Plan Similar to PayPal XNACHA’s Secure Vault Payments Catches a Big FishSocial Media Enters the FrayVirtual Goods Purchase IncreasingP2P Opportunity in VirtualMerchants Still Lagging in Offering Alt PayBut Many Other Merchants BenefitseCommerce Fraud RatesAbandonment IssuesDemographics Defy Merchant Perceptions
  15. 15. eLayaway Notes Steady in Average Income of Users Merchant Education Important Looking AheadChapter 6: Mobile Pay Marketplace Trends Goodbye Landline, Hello Wireless Increase in Smartphones Signals Mobile Payments Time Mobile Payments Already Have Impressive Penetration Chaotic for the Foreseeable Future Customer Confusion Near Term Result Mobile Payments Bring Alt Pay Offline Changing the Shopping Environment Millennials Will Drive Mobile Pay PayPal Currently in Leadership Position Banks Shouldn’t Miss the Opportunity Mobile Pay as Point of Differentiation Mobile Pay loves iPhone Start-ups Getting Foot In Door Start-up Jumio Brings Much Needed Attitude Other Start-Ups Focus on Ease It’s a “Look at Me” World Consumer Protections Challenged by Mobile Payments Is Mobile Alt Pay the End for Cash, Check and Credit Cards?Chapter 7: Consumer Payment Preferences and Attitudes Note on Experian Simmons Consumer Data Robust Consumer Payment Options with Variety of Methods and Forms Consumer Bill Pay Methods: Mail Continues to Dwindle Variety and Simplicity of Other Methods Making Mail Obsolete
  16. 16. Recession Leads to Resurgence in Certain MethodsTable 7-1: Consumer Bill Pay Preferences: Methods Used, 2007-2010 (%)Great Recession Had Great Effect on PaymentsPayment Forms Sees Similar Shifting Away from PaperTable 7-2: Consumer Bill Pay Preferences: Forms Used Always, 2009-2010 (%)Online Payments Far Outstrip Card PaymentsConsumers Comfortable Using Variety of FormsTable 7-3: Consumer Bill Pay Preferences: Forms Used Sometimes, 2009-2010(%)Consumer Bill Pay Demographic CharacteristicsDemographics of Online Bill Pay UsersRecession Effect on Gen-YWomen May Now be Leading Edge in PaymentsAsians and West Coast Pop for UseThe Trifecta: Educated, White-Collar and Home OwnersTable 7-4: Demographic Characteristics by Forms Always and Sometimes Used:Online Bill Payment, 2010 (index)Credit Card Profile Similar to Online but Skews OlderTable 7-5: Demographic Characteristics by Forms Always and Sometimes Used:Credit Card, 2010 (index)Stark Contrast between Online Payment and Check User ProfileTable 7-6: Demographic Characteristics by Forms Always and Sometimes Used:Check, 2010 (index)Cash, Debit/Pre-Paid and Money Order Profile Points to Newbies andChallengedGen-X, Minorities, Lower IncomesDebit/Pre-Paid Also Shows Similarities with Credit Card UsersTable 7-7: Demographic Characteristics by Forms Always and Sometimes Used:Cash, 2010 (index)
  17. 17. Table 7-8: Demographic Characteristics by Forms Always and Sometimes Used: Pre-Paid/Debit Card, 2010 (index) Table 7-9: Demographic Characteristics by Forms Always and Sometimes Used: Money Order, 2010 (index) The Mysterious “Other” Portion of Consumers Table 7-10: Demographic Characteristics by Forms Always and Sometimes Used: Other, 2010 (index)Alternative Payment Focus: PayPal Penetration Stalling? Table 7-11: Consumer Use of PayPal, 2007-2010 (%) Research Finds PayPal Has Strongest Consumer Recognition PayPal User Profile Aligns with Online Payment Profile Gen Y Pops for PayPal Indications that Women Are Prime PayPal Users Asians and West Coast Pop for Use Table 7-12: Demographic Characteristics of PayPal Users: Last 7 Days and last 30 Days, 2010 (index) PayPal Users are Educated, Financially above Average, White-Collar and Home Owners Possible Demographic Shifts for Other Alt Pay Brands Connection between Internet Usage and Income Figure 7-1: Comparison of Broadband Access at Home, Cell Phone Ownership, and Internet Usage by Income Brackets of General Population, 2010 High Income Internet Users Engage in Online Shopping and Financial Management Figure 7-2: Comparison of Broadband Access at Home, Cell Phone Ownership, and Internet Usage by Income Brackets of General Population, 2010Consumer Attitudes by Payment Preference Attitudes About Shopping: Savvy Value Shoppers Table 7-13: Response to Shopping Statements by Bill Payment Types, 2010 (index)
  18. 18. Traditional Payment Form Users less Savvy Attitudes About Personal Finance: Insecurity Table 7-14: Response to Personal Finance Statements by Bill Payment Types, 2010 (index) Attitudes About The Internet and Internet LIfestyle PayPal, Online Bill Payers More Engaged Shoppers Table 7-15: Response to Internet Related Statements by Bill Payment Types, 2010 (index)AppendixAvailable immediately for Online Download athttp://www.marketresearch.com/product/display.asp?productid=2739664US: 800.298.5699UK +44.207.256.3920Intl: +1.240.747.3093Fax: 240.747.3004

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