3 PAYMENT METHOD SCORECARD: CARD | DEBIT
Global Usage (POS) Worldpay’s Global Payments Report 2025 showed debit cards making up 25% of global POS payments in 2024. Global Usage (Ecommerce) Worldpay’s Global Payments Report 2025 showed debit cards making up 12% of global ecommerce payments in 2024. Authorization/Pre-Authorization Card payments easily allow merchants to have flexibility in the authorization amount. This is ideal for hospitality merchants, like airlines and hotels, because they can authorize the transaction at an earlier date than the charge occurring. Recurring Payments Card payments are commonly and easily used for recurring payments including merchant-initiated transactions (MIT).
User Experience Metrics
Weight Score
POS Speed
10% 4.0 10% 2.0 15% 5.0 15% 4.0 10% 3.0 10% 2.0
Refund Posting Time
Omnichannel
FX/Cross-Border Global Usage (POS)
Global Usage (Ecommerce)
Authorization & Pre- Authorization Recurring Payments
15% 5.0
15% 5.0
TOTAL SCORE
4.0
POS Speed Contactless technology has increased POS speed for card payments. While online transactions can experience friction, especially with 3DSecure, the use of passkeys to quickly access log-in credentials
has increased online speed. Refund Posting Time
Once a merchant issues a refund, it takes around three to ten days for the issuing bank to post the funds to the consumer’s account. 809 Omnichannel The use of stored credentials, like card-on-file used by many merchants, allows card payments to be accessible across channels. Opportunities like curbside pick-up and merchant loyalty apps show card payments can be used in various environments. FX/Cross-Border Global card networks are available in most countries, making card payments easy to use cross-border. However, depending on the user’s issuer, foreign exchange fees can be expensive.
172
Powered by FlippingBook