- What are the top payment methods used by consumers in different countries at the point of sale (POS)? - What is the share of cash vs. cashless payment methods in retail transactions and how does it vary by country? - How did the outbreak of COVID-19 influence in-store payment behaviors in the top retail markets such as the USA, China, and Germany? - How will the pandemic affect the volume of retail payments across different regions worldwide? - Which POS payment trends are accelerating amid the pandemic? Full report here: https://bit.ly/3xZfTOX

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GENERAL METHODOLOGY OF MARKET REPORTS
Secondary Market Research
 The reports are compiled based on secondary market research. Secondary research is information gathered from previously published sources. Our reports are
based on information and data acquired from national and international statistical offices, industry and trade associations, business reports, business and
company databases, journals, company registries, news portals and many other reliable sources. By using various sources we ensure maximum objectivity for
reported data. As a result, companies gain a precise and unbiased impression of the market situation.
 Cross referencing of data is conducted in order to ensure validity and reliability.
 The source of information and its release date are provided on every chart. It is possible that the information contained in one chart is derived from several
sources. If this is the case, all sources are mentioned on the chart.
 The reports include mainly data from the last 12 months prior to the date of report publication. Exact publication dates are mentioned in every chart.
Definitions
 The reports take into account a broad definition of B2C E-Commerce, which might include mobile commerce. As definitions may vary among sources, exact
definition used by the source (if available) is included at the bottom of the chart.
Chart Types
 Our reports include text charts, pie charts, bar charts, rankings, line graphs and tables. Every chart contains an Action Title, which summarizes the main
idea/finding of the chart and a Subtitle, which provides necessary information about the country, the topic, units or measures of currency, and the applicable time
period(s) to which the data refers. With respect to rankings, it is possible that the summation of all categories amounts to more than 100%. In this case, multiple
answers were possible, which is noted at the bottom of the chart.
Report Structure
 Reports are comprised of the following elements, in the following order: Cover page, preface, legal notice, methodology, definitions, table of contents,
management summary (summarizing main information contained in each section of report) and report content (divided into sections and chapters). When
available, we also include forecasts in our report content. These forecasts are not our own; they are published by reliable sources. Within Global and Regional
reports, we include all major developed and emerging markets, ranked in order of importance by using evaluative criteria such as sales figures.
Notes and Currency Values
 If available, additional information about the data collection, for example the time of survey and number of people surveyed, is provided in the form of a note. In
some cases, the note (also) contains additional information needed to fully understand the contents of the respective data.
 When providing information about amounts of money, local currencies are most often used. When referencing currency values in the Action Title, the EUR
values are also provided in brackets. The conversions are made using the average currency exchange rate for the respective time period. Should the currency
figure be in the future, the average exchange rate of the past 12 months is used.

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METHODOLOGY OF THE CURRENT REPORT
Report Coverage
 This report covers the global payment market with a focus on Point of Sale (POS) payment, or in-store payment. It includes information related to payment
methods used at POS, omnichannel payment trends, mobile POS (mPOS), and proximity mobile payment trends. In addition, information related to the impact of
the coronavirus (COVID-19) on in-store payments worldwide is included in this report.
 The report focuses on retail payments. Information about B2B or P2P payments was not included. While in-store payment is the main topic of this publication,
some sources cited in the report included both remote and in-store payments in their definition of retail payments.
 The report includes data mostly published in the previous 12 months. The exact date of publication of the source is stated on each chart. The time period which
the data refers to differs by source.
Report Structure
 The global chapter opens the report, featuring an overview of global POS payment developments. The latest trends and developments are summarized on the
text charts and international data highlights are provided on quantitative charts.
 The rest of the report is divided by regions presented in the descending order of total retail sales. Within each region, the countries are grouped by advanced
and emerging markets, where applicable, and ranked by total retail sales.
 Depending on data availability, the following types of market information are included: value and/or volume of in-store payments, breakdown of in-store (or total
retail) payments by payment method, payment methods used in-store (survey-based rankings), payment methods accepted in-store, POS payment trends (e.g.,
omnichannel, mPOS), information related to proximity mobile payments (e.g., in-store mobile payment usage, in-store mobile payment acceptance), COVID-19’s
impact on in-store payments.
 Not all the mentioned types of information are provided for each of the covered countries due to varying data availability.

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DEFINITIONS
The following expressions and definitions are used in this Online Payment market report*:
Note: *the definitions used by the original sources might differ from the ones stated on this chart; the exact definition used by each source, where available, is included on the respective
charts
 COVID-19 / CORONAVIRUS
An infectious disease triggered by an intense acute respiratory sickness. COVID-19 was first identified at the end of 2019
in Wuhan, China, and spread worldwide, becoming known as the coronavirus pandemic.
 POINT OF SALE (POS) The place where a customer purchases products or services from a merchant, e.g., a retail store, gas station or restaurant.
 POS PAYMENT
Payments made at retail point of sale, i.e. in-store. POS systems or terminals are used to complete a POS payment
transaction. POS payments are often used synonymously with in-store payments, proximity payments, in-person
payments and card present payments.
 MOBILE POS (mPOS)
Mobile devices (e.g., tablets, smartphones, and special wireless devices) that are enabled to accept payments at the point
of sale (can be in-store or on the go) by using technology such as a dedicated app or a software.
 OMNICHANNEL PAYMENT
An approach to payment processing that is aimed at providing a seamless and consistent checkout experience to
customers crossing multiple channels when interacting with the merchant, such as online, mobile and in-store channels.
 CONTACTLESS PAYMENT
Contactless payments take place when tapping a mobile device or a payment card with a contactless payment
functionality to a POS device. The data is transmitted via Near Field Communication (NFC).
contactless payments can be made by credit and debit cards enabled with the contactless technology.
 PROXIMITY MOBILE PAYMENT
A mobile payment where the merchant and the consumer are present in the same location and the interaction between the
consumer’s mobile device (smartphone, smart watch, smart bracelet, etc.) and the POS is conducted using a proximity
technology (e.g., NFC) or code scanning (QR codes, bar codes).
 MOBILE WALLET
A software solution that enables consumers to store payment credentials, such as credit or debit card information, and use
the stored credentials to pay digitally for transactions made in-store, online or via mobile. Mobile wallets are installed on
mobile devices which are used to complete payments. The examples of mobile wallets include Apple Pay, Samsung Pay
and Google Pay. Mobile wallets are often included in the broader category of E-Wallets or digital wallets.
 B2C E-COMMERCE The sale of products (and services) through electronic transactions via the Internet from businesses to consumers.

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TABLE OF CONTENTS (1 OF 6)
1. Management Summary
2. Global Developments
• COVID-19 Impact on POS Payment, August 2020
• Omnichannel Payment Trends, August 2020
• mPOS Payment Trends, August 2020
• Total Retail Sales Value Loss Worldwide, by Region incl. North America, in USD billion, 2020f Compared to 2019
• Total Retail Sales, in USD billion, and Breakdown by E-Commerce and Non-E-Commerce, in %, 2019 & 2020f
• Changes in Consumer Payment Behaviors Due to COVID-19, in % of Adults, June 2020
• Share of Consumers in Selected Countries Who Decreased Their Use of Cash for In-Person Payments During COVID-19, in %, by
Selected Countries, June 2020
• Change in Usage of Selected Omnichannel and Contactless Shopping Methods Compared to Before COVID-19, in % of Consumers, July
2020
• Contactless Payment Limit Increase Due to COVID-19, by Selected Countries, May 2020
• Average Transaction Value of Contactless Payments at POS, in USD, 2019 & 2024f
• Changes in Use of Payment Methods by Consumers in Selected Countries During COVID-19, incl. Share of Consumers Who Increased
and Who Decreased Their Use, in %, and Net Change, May 2020
• Proximity Mobile Payment User Penetration, in % of Smartphone Users, by Selected Countries, 2019e
• mPOS Transaction Value, in USD billion, 2019 & 2024f
3. Asia-Pacific
3.1. China
• CAGR of Cash and Card Payment Transactions, by Pre-COVID-19 and Post-COVID-19 Forecasts, 2019-2023f
• Share of Consumers Who Plan to Increase Their Usage of Digital Payments In the Next 6-9 Months Due To COVID-19 Outbreak, in %,
Compared to Global Average, April 2020
• Number of Mobile Payment Users, in millions, and Penetration, in % of Mobile Internet Users, December 2018, June 2019 & March 2020
• Third-Party Mobile Payment Transactions, in CNY trillion, Year-on-Year Change, in %, Q4 2019 - Q2 2020e
• Third-Party Mobile Payment Transaction Value, in CNY trillion, and Year-on-Year Change, 2018-2022f
• Breakdown of Third-Party Mobile Payment GMV by Players, in %, Q2 2019

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TABLE OF CONTENTS (2 OF 6)
3.2. Japan
• Breakdown of Household Consumption by Payment Method, in %, 2019
• Breakdown of Frequency of Usage of Selected Non-Cash Payment Methods, Nov. 2019 & May 2020
• Mobile Payment User Penetration, by QR Code Payment and Contactless Payment, in % of Internet Users, January 2020
• QR Code Mobile Payment Services, by All Used and Most Used, in % of QR Code Mobile Payment Users, January 2020
• Number of PayPay Users, in millions, August 2019, October 2019, December 2019, February 2020 & April 2020
3.3. South Korea
• Breakdown of Payment Transactions by Payment Methods, in %, 2019
• Card Payment Transaction Value, in KRW trillion, 2019 & 2024f
3.4. Australia
• Breakdown of Consumer Payments by Payment Method, in % of The Number of Payments, 2016 & 2019
• Contactless Share of Card Payments at POS, by Contactless Card and Mobile Devices, in %, 2019
• Non-Bank Contactless Mobile Payment Methods Used, in % of Consumers, March 2019 & March 2020
• Change in Usage of Selected Omnichannel and Contactless Shopping Methods Compared to Before COVID-19, in % of Consumers, July
2020
3.5. India
• Change in Usage of Selected Payment Methods Amid the COVID-19 Outbreak, by Usage in the Past Month and in the Next 6 Months, in
% of Consumers, April 2020
4. North America
4.1. USA
• Ownership of Payment Accounts and Instruments, in % of Adults, 2018 & 2019
• Number of Consumer Payments for Purchases and P2P Payments per Month, by Payment Method and Type, 2018 & 2019
• Breakdown of Payment Methods Used, by Retailer Type, in % of Consumers, August 2019
• Precautions Taken by Consumers Due To COVID-19 When Shopping In-Store, in % of Consumers, March 2020

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TABLE OF CONTENTS (3 OF 6)
4. North America (Cont.)
4.1. USA (Cont.)
• Share of Consumers Who Prefer To Shop for Groceries In Stores With Touchless Self-Checkout Or Robust Self-Checkout Options or
Frictionless Micro-Markets, in %, April 2020
• Change in Usage of Selected Omnichannel and Contactless Shopping Methods Compared to Before COVID-19, in % of Consumers, July
2020
• Share of Consumers Feeling Unsafe Due to COVID-19 When Shopping In-Store, by Type of Store, in %, and Measures That Would Make
Consumers Feel Safer In-Store, in %, July 2020
• Consumers Who Tried Contactless Payments for the First Time During The Pandemic, in % of All Consumers, and Consumers Who
Would Keep Using Contactless Payments After The Pandemic, in % of First-Time Users, March 2020
• Perceived Importance of the Contactless Feature in Credit Cards, in % of Consumers, by Pre COVID-19 and on March 3, 2020
• Number of Proximity Mobile Payment Users, in millions, and Penetration, in % of Smartphone Users, 2018- 2023f
• Number of Proximity Mobile Payment Users of Apple Pay, Google Pay and Samsung Pay, in millions, 2019e
• Top 3 Digital Wallets, by Payment Channel, in % of Digital Wallet Users, August 2019
• Contactless Payment Method Acceptance by Small Businesses, in % of Small Businesses With A Physical Location, 2019 & 2020
• Top Priorities for Retail POS Technology at the Start of 2020, in % of Retailers, July 2020
• The Impact of COVID-19 on POS Technology Investment Plans, in % of Retailers, July 2020
4.2. Canada
• Most Trusted Payment Methods, in % of Internet Users, 2019
• Share of Consumers Using Cash Less Due To COVID-19, in %, April 2020
• Attitudes to Contactless Payments During COVID-19, in % of Consumers, April 2020
• Mobile Payment Apps Used, in % of Smartphone Users, 2019
5. Europe
5.1. Europe
• Breakdown of Preferred Payment Methods, by In-Store and Online, in % of Consumers, September 2019
• Share of Consumers in Selected Countries Who Decreased Their Use of Cash for In-Person Payments During COVID-19, in %, by
Selected Countries, June 2020

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TABLE OF CONTENTS (4 OF 6)
5. Europe (Cont.)
5.1. Europe (Cont.)
• POS Card Transaction Value, in EUR billion, 2018, 2019 & 2020f
• Payment Revenues Breakdown, by Segment, in %, 2019e, and Expected Impact of COVID-19, 2020f
5.2. Germany
• Breakdown of Retail Payment Transaction Value at POS by Payment Method, in %, 2019
• Breakdown of Retail Payment Transaction Number at POS by Payment Method, in %, 2019
• Average Transaction Value at POS, by Payment Method, 2019
• Share of Consumers Who Changed Their Payment Behavior at POS During COVID-19, in %, April 2020
• Year-on-Year Change in Number and Value of Cashless Transactions, in %, May 2020
• Card Payments Share of POS Payment Value, in %, 2022f
• Contactless Card Payment Share of Giro Card Payments at POS, in %, Full Year 2019, End of 2019, and During COVID-19
Outbreak/March 2020
• Consumer Attitudes to Using Cash and Contactless Payments During COVID-19 Outbreak, in %, April 2020
5.3. France
• Payment Methods Used to Pay for Purchases, in % of Adults, November 2019
• Innovative Payment Methods Used by Internet Users, in % of Internet Users, January 2020
• Perception of Innovative Payment Methods, in % of Internet Users, January 2020
• Change in Usage of Selected Omnichannel and Contactless Shopping Methods Compared to Before COVID-19, in % of Consumers, July
2020
5.4. UK
• Breakdown of Total Number of Payment Transactions by Payment Method, in %, 2019
• Contactless Payment User Penetration for Payments Under GBP 30, in % of Consumers, by Contactless Cards and Mobile Payment, in
%, 2017 & 2019
• Contactless Payment Share of Payment Transactions, by Total Transactions, Debit Card Transactions and Debit Card Transactions, in %,
2019

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TABLE OF CONTENTS (5 OF 6)
5. Europe (Cont.)
5.4. UK (Cont.)
• Change in Usage of Selected Omnichannel and Contactless Shopping Methods Compared to Before COVID-19, in % of Consumers, July
2020
5.5. Russia
• Changes in Payment Behavior Due to COVID-19, By Consumers Who Used Cash and Cashless Payments Before COVID-19 and Who
Used Cash Payments Only, in %, April 2020
• Contactless Mobile Payment User Penetration, in % of Digital Payment Users, July 2019 & June 2020
• Selected Contactless Mobile Payment Apps Used, in % of Digital Payment Users, July 2019 & June 2020
6. Latin America
6.1. Brazil
• Change in Usage of Selected Omnichannel and Contactless Shopping Methods Compared to Before COVID-19, in % of Consumers, July
2020
• Value of Contactless Payments, in BRL million, March 2019 & March 2020
• Proximity Mobile Payment User Penetration, in % of Smartphone Owners, August 2019
6.2. Chile
• Share of Consumers in Selected Countries Who Decreased Their Use of Cash for In-Person Payments During COVID-19, in %, June 2020
• Year-on-Year Change in Card Payment Transactions, by Online and in-Store, in %, Week 1 – Week 4 of March 2020
7. Middle East & Africa
7.1. Middle East & Africa
• Attitudes to Contactless Payments During COVID-19 Outbreak, in % of Consumers, April 2020

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TABLE OF CONTENTS (6 OF 6)
7. Middle East & Africa (Cont.)
7.2. UAE
• Share of Consumers Using Digital Payment Methods When Shopping In-Store During The COVID-19 Outbreak, in %, June 2020
• Share of Consumers Who Made Purchases In-Store Using Mobile Payment, in %, September 2019
• Attitudes to Contactless Payments During COVID-19 Outbreak, in %, April 2020

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1. Management Summary 13 – 17
2. Global Development 18 – 31
3.
3.1.
3.2.
3.3.
3.4.
3.5.
4.
4.1.
4.2.
5.
5.1.
5.2.
5.3.
5.4.
5.5.
Asia-Pacific
China
Japan
South Korea
Australia
India
North America
USA
Canada
Europe
Europe
Germany
France
UK
Russia
32 – 50
33 – 38
39 – 43
44 – 45
46 – 49
50 – 50
51– 70
52 – 66
67 – 70
71 – 94
72 – 75
76 – 83
84 – 87
88 – 91
92 – 94
6.
6.1.
6.2.
7.
7.1
7.2
Latin America
Brazil
Chile
Middle East & Africa
Middle East & Africa
UAE
95 – 100
96 – 98
99 – 100
101 – 105
102 – 102
103 – 105

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78%
46%
48%
49%
0% 25% 50% 75% 100%
Total: Changed The Way They Pay
Not Using Cash as Much
Using Contactless Payments
Shopping Online Where Possible
in % of Adults
Due to COVID-19, 78% of adults surveyed internationally in June 2020
changed the way they pay.
Global: Changes in Consumer Payment Behaviors Due to COVID-19, in % of Adults, June 2020
Note: does not add up to 100% due to multiple answers possible
Survey: based on a survey of 1,000 adults (18+) in the USA and 500 adults (18+) in Brazil, Canada, Germany, Hong Kong, Ireland, Singapore and the UAE, conducted between
June 12 and June 29, 2020; the data was weighted to ensure an accurate representation of adults ages 18+ in each market
Source: Visa, Wakefield Research, August 2020

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Prefer To Shop for
Groceries In Stores With
Touchless Self-Checkout
Or Robust Self-Checkout
Options or Frictionless
Micro-Markets
87%
Others
13%
During the pandemic, 87% of consumers in the U.S. preferred touchless
self-checkout or frictionless payment in grocery stores, as of April 2020.
USA: Share of Consumers Who Prefer To Shop for Groceries In Stores With Touchless Self-Checkout Or
Robust Self-Checkout Options or Frictionless Micro-Markets, in %, April 2020
Survey: based on a survey of consumers mainly between 18 and 60 years old (90%), the survey details were not revealed
Source: Shekel cited by Media Post, April 2020

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