Cash is no longer king — and small businesses must adapt to deepen customer relationships and meet their business goals. 

Today’s customers live in an increasingly cashless world

  • Just 19% of customers say they prefer to pay with cash[1]
  • Cash transactions made up just 20% of all payments in 2021, down from 31% in 2017[1]

This is especially true among younger consumers:

  • Shoppers under age 25 say they use cash just 17% of the time.[1]

Credit card usage has surged, at even the smallest of small businesses

  • Credit cards made 28% of transactions in 2021, up from just 18% in 2016.[1]
  • This represents a 56% increase in just 5 years.

Contactless payments are trending, too — and increasingly becoming a baseline expectation for customers.

  • 18.8%: The projected compound annual growth rate (CAGR) of the U.S. contactless payment market between 2022 and 2030.[2]
  • Nearly half (48%) of consumers say they won’t shop at a store that doesn’t offer contactless payment.[3]

Staying ahead of these trends is table stakes, since the payment experience can make or break customer relationships.

  • More than 9 in 10 (91%) consumers say a satisfying checkout experience influences their decision to shop with a merchant again.[4]


The right payment processing solution helps you attract and retain customers.

  • Seamless, convenient checkout experience that allows customers to pay how they prefer, plus, manage discounts, promotions and loyalty programs that keep customers coming back. 

It can also do so much more

  • An end-to-end payment processing solution offers benefits far beyond processing payments. It can help you: 

Manage your team

With software integrations that support:

  • Payroll
  • Scheduling
  • Employee productivity reports

Make strategic decisions

With insights into:         

  • Inventory management
  • Cash flow analysis
  • Demand forecasting



Get help finding a payment processing solution that meets your needs

Our white paper, “A Small Business Guide to Payment Processing,” offers the insights you need to make sense of modern end-to-end payment solutions — and shares seven strategies to find the right solution for you.  Read the Guide to Payment Processing