Oz Shy
Research Data Report 20-2
May 2020

Using a representative sample of actual payments made by adult U.S. consumers, this article analyzes the composition of payment methods consumers use to pay for goods and services. Consumer spending is divided into 21 main merchant categories. Results show the distributions of electronic, card, and paper payment methods and the degree of payment concentration for each merchant category.

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JEL classification: D9, E42, M2

Key words: How merchants are paid, payment methods, payment instruments