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Retail Point of Sale Forecast 2012-2017: Cash is No Longer King; Cards and Mobile Payments Likely to Rise

  • ID: 2196120
  • June 2012
  • 29 Pages
  • Javelin Strategy & Research


  • American Express
  • eBay
  • Groupon
  • LivingSocial
  • MasterCard
  • Starbucks
  • MORE

Cash is no longer king at the point of sale (POS); the total purchase volumes for traditional card products have surpassed those for all other options. Debit dominates and is used in close to a third of all in-store purchases. Credit follows with a fractionally lower share at POS than is held by debit. This report evaluates the actual and forecast changes in the retail POS market, tracking payments mix data from 2011 through the forecast year of 2017 and identifying key drivers of market change. In addition to highlighting domestic in-store retail growth during 2011, this report details Javelin's forecasts for total retail POS payments volume and analyzes share and transaction growth at the POS for credit cards, debit cards, cash, paper checks, prepaid cards, gift cards, and mobile phone payments.

Primary Questions

- What are the major trends for domestic retail POS payments transactions?

- How will traditional non-card payments options — cash and paper checks — fare as card-based payments vehicles continue to grow in popularity?

- Will traditional card-based payments options, including credit and debit, maintain current dollar volumes, or READ MORE >

Note: Product cover images may vary from those shown


  • American Express
  • eBay
  • Groupon
  • LivingSocial
  • MasterCard
  • Starbucks
  • MORE

Primary Questions  
Executive Summary  
POS Retail Activity and Payments Mix Forecast  
Consumer Payments Usage  
Payments Mix  
Average Purchase Amount  
Traditional Non-Card Payment Options Give Way to Card-Based 
Traditional Card-Based Options: Debit and Credit  
Nontraditional Payment Options: Gift and Prepaid Cards  
Emerging POS Option: Mobile Phone Payments  
Related Research  
Companies Mentioned  

Table of Figures 

Figure 1: US POS and Online Retail Transaction Dollar Volume, 2011–2016  
Figure 2: Consumer Use of Payment Products for In-Store Purchases in Past 30 Days, 2011  
Figure 3: Share of Total POS Payments Volume ($) by Key Payment Category, 2011–2017  
Figure 4: POS Total Payments Volume by Payment Method, 2011–2017 
Figure 5: Average Amount Consumers Typically Spend on an In-Store Purchase by Payment Method, 2011 
Figure 6: Cash POS Purchase Dollar Volume and Share, 2011–2017  
Figure 7: Paper Check POS Purchase Dollar Volume and Share, 2011–2017  
Figure 8: Debit Card (Major and Store-Branded) POS Purchase Dollar Volume and Share, 2011–2017  
Figure 9: Credit Card (Major and Store-Branded) POS Purchase Dollar Volume and Share, 2011–2017   
Figure 10: Closed-Loop Gift Card POS Purchase Dollar Volume and Share, 2011–2017  
Figure 11: Prepaid Card (Usable Anywhere) POS Purchase Dollar Volume and Share, 2011–2017  
Figure 12: Mobile POS Purchase Dollar Volume, 2011–2017  
Figure 13: Most Frequently Used Payment Options for Any Type of Purchase, 2011  
Figure 14: Consumers Who Own or Use Particular Financial or Payment Products, 2011  
Figure 15: Consumer Use of Payment Products for In-Store Purchases in Past 30 Days, 2010–2011

Note: Product cover images may vary from those shown

- American Express
- M&I
- Discover
- MasterCard
- eBay
- PayPal
- Fresh & Easy
- Starbucks
- Groupon
- Visa
- Home Depot
- Whole Foods
- LivingSocial

Note: Product cover images may vary from those shown
Note: Product cover images may vary from those shown


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