Commercial Payment Cards: U.S. and Global Market Trends, 10th Edition

Published: December 13, 2017 - 227 Pages

Table of Contents

  • Executive Summary
    • Report scope
    • Market size and forecast
      • Global payment card and commercial card market forecast
      • Global card payment value growth trends
      • U.S. payment card payment value trends
      • Non-U.S. payment card payment value trends
      • U.S. commercial expenditures opportunity
      • U.S. ACH payments market size
      • Consumer vs. business transactions
      • ACH network operator commercial payment market size
      • U.S. commercial cards vs. ACH
      • Sizing small, middle- & large-market companies
    • Trends & opportunities
      • Virtual cards for a virtual world
      • Global business travel tops $1.3 trillion
      • Global personal consumption expenditures trends
      • Layering in global B2B payment value
      • ACH: beat it or join it?
      • U.S. commercial card and ACH payments trends
      • U.S. commercial check usage trends
      • U.S. card-based electronic B2B
    • Non-U.S. geographical analysis
      • Global payment value growth trends
      • Canada
      • China
      • India
      • Europe
      • Latin America
    • Commercial card network operators
      • American Express
      • China UnionPay
      • Mastercard
      • Visa
    • Commercial card bank issuers
      • Leading market participants
      • Bank of America
      • Citibank
      • JPMorgan Chase
      • U.S. Bank
    • Other market participants
      • Corporate travel players
      • Fleet card players
      • WEX Inc.
      • Fleetcor Technologies, Inc.
      • Government
    • U.S. commercial card usage trends
      • Business credit card usage
      • Business purchasers
  • Market Size and Forecast
    • Global commercial card market size and forecast
      • Market size scope
      • Global payment card and commercial card market forecast
        • Table Global Payment Card Payment Value: Credit Card and Debit Card Market Size, 2016-2020
    • Global card payment value growth trends
      • Credit cards vs. debit cards
        • Table Global Payment Card Payment Value: Credit Card and Debit Card Market Size, 2012-2016
      • U.S. vs. non-U.S.
        • Table Global Payment Card Payment Value: U.S. and Non-U.S. Market Size, 2012-2016
      • By network
        • Table Global Payment Card Payment Value by Network, 2012-2016
        • Table Global Payment Card Payment Value Share by Network, 2012-2016
      • Commercial card payment value share
        • Table Global Payment Card Payment Value: Consumer vs. Commercial, 2012-2016
        • Table Global Payment Card Payment Value: U.S. and Non-U.S. Consumer vs. Commercial, 2012-2016
      • Global commercial payment value trends by network
        • Table Global Commercial Payment Card Payment Value by Network, 2012-2016
        • Table Global Commercial Payment Card Payment Value Share by Network, 2012-2016
    • U.S. commercial card market size
      • U.S. payment card payment value trends
        • Table U.S. Payment Card and Commercial Payment Card Payment Value by Network, 2012-2016
        • Table U.S. Payment Card Networks: Payment Card and Commercial Payment Card Value, 2012-2016
        • Table U.S. Payment Card Networks: Commercial Payment Card Value Share, 2012-2016
      • Commercial credit cards vs. commercial debit cards
        • Table U.S. Commercial Card Payment Value: Debit Card vs. Credit Card, 2012-2016
      • Commercial credit cards, by network
        • Table U.S. Commercial Credit Card Payment Value by Network, 2012-2016
      • Commercial debit cards, by network
        • Table U.S. Commercial Debit Card Payment Value by Network, 2012-2016
    • Non-U.S. commercial card market size
      • Non-U.S. payment card payment value trends
        • Table Non-U.S. Payment Card Payment Value by Network, 2012-2016
        • Table Non-U.S. Payment Card Payment Value Share by Network, 2012-2016
      • Non-U.S. debit card payment value trends
        • Table Non-U.S. Debit Card Payment Value by Network, 2012-2016
      • Non-U.S. credit card payment value trends
        • Table Non-U.S. Credit Card Payment Value by Network, 2012-2016
      • Non-U.S. commercial card payment value trends
        • Table Non-U.S. Commercial Payment Card Payment Value by Network, 2012-2016
    • U.S. commercial expenditures opportunity
      • Commercial expenditures opportunity
      • Growth forecast through 2020
        • Table U.S. Commercial Expenditures by Major Input, 2012-2020
    • U.S. ACH payments market size
      • Payments value: 2012-2020
        • Table U.S. ACH Payments Value and Volume, 2012-2020
      • Credit vs. debit transfers
      • Network operator vs. on-us transactions
        • Table ACH Payment Value and Volume: Network, In-House On-Us, Credit and Debit, 2012 vs. 2015
      • Consumer vs. business transactions
        • Table ACH Payment Value and Volume: Credit and Debit, Consumer and Business, 2012 vs. 2015
        • Table ACH Payment Value and Volume: Consumer and Business, 2015
    • ACH network operator commercial payment market size
      • Network ACH payments value and volume: 2012-2020
        • Table ACH Payments: Value and Volume, 2009-2016
      • Commercial ACH payments value and volume: 2009-2016
        • Table ACH B2B Payments: Value and Volume, 2009-2016
      • Market size: B2B ACH transaction value by type
        • Table ACH B2B Payments: CTX and CCD Value and Volume, 2009-2016
    • Sizing small, middle- & large-market companies
      • Table U.S. Enterprises by Employment Size: Firms, Establishments, Employed and Payroll, 2012 vs. 2015
      • Table U.S. Enterprises by Employment Size: Receipts, 2012 vs. 2015
      • Nonemployer businesses generate more than $1.1 trillion in sales
        • Table U.S. Nonemployer Businesses: Total Receipts and Number of Businesses by Receipt Size, 2015
        • Table U.S. Nonemployer Businesses Receipts and CAGR, 2010, 2015 and 2020
    • U.S. commercial cards vs. ACH
      • Table U.S. Commercial ACH and Card Payment Value, 2012 vs. 2016
  • Trends & Opportunities
    • Virtual cards for a virtual world
      • What's not to like?
        • Table FleetCor and WEX Corporate Card Payment Value, 2015-2016
    • Global business travel tops $1.3 trillion
    • Global personal consumption expenditures trends
      • Table Global Personal Consumption Expenditures by Region, 2007-2016
      • Table Global Personal Consumption Expenditures by Region, 2016-2020
    • Layering in global B2B payment value
      • Table Global ACH, Cash and Check and Payment Card Value by Type, 2016
    • ACH: beat it or join it?
      • ACH: a formidable commercial payments competitor
      • Card networks respond
      • A global view
    • U.S. commercial card and ACH payments trends
      • Commercial card services product satisfaction
      • Middle market and large market payments usage trends by payment type
        • Table Percent of Payments Made by Corporations: Middle Market vs. Large Market, 2012-2016
      • Invoice payments and rebates
        • Table Annual Spend on Card Programs to Pay Invoices, 2015
      • Against check declines, high-dollar ACH usage grows
      • Room for growth
    • U.S. commercial check usage trends
    • U.S. card-based electronic B2B
      • Visa and Amazon Business
  • Non-U.S. Geographical Analysis
    • Global growth trends
      • Table Global Card Payment Value and GDP Growth, by Country, 2012-2016
    • Canada
      • Commercial card momentum
        • Table Canada: Credit Card and Commercial Credit Card Payment Value, 2014-2016
      • Commercial EFT
      • Commercial checks
      • E-commerce
      • Remote commercial transactions
    • Asia Pacific
      • China
        • Table China: ATM, Credit Card, and Debit Card Value and Volume, Terminals, and ATMS, 2012-2016
        • Table China: Credit Card and Debit Card Per Capita Payment Value and GDP Analysis, 2012-2016
      • Commercial products beginning to gain traction
      • India
        • Table India: Transaction Value by Payment Instrument, 2012-2016
        • Table India: Credit Card and Debit Card Per Capita Payment Value and GDP Analysis, 2012-2016
        • Table India Transaction Value: Credit and Debit POS and ATM, Prepaid by Type, and Mobile Banking, 2016
    • Europe
      • The European Union
        • Table European Union Card Payments Value, in EUR and USD, 2012-2016
        • Table European Union Card Payments Value by Card Type, 2014-2016
        • Table Top 15 European Union Countries by GDP: Population and Card Payment Value Analysis, 2016
        • Table Smaller European Union Countries by GDP: Population and Card Payment Value Analysis, 2016
        • Table Card Payment Value: Top 15 European Union Countries, by Card Type, 2016
        • Table Card Payment Value: Smaller European Union Countries by Card Type, 2016
      • Regulations shift the playing field
      • The UK
        • Table United Kingdom: Credit Card and Debit Card Per Capita Payment Value and GDP Analysis, 2012-2016
      • France
        • Table France: Credit Card and Debit Card Per Capita Payment Value and GDP Analysis, 2012-2016
    • Latin America
      • Latin America payment card and commercial card market size
        • Table Latin America Card Payment Value, by Major Network, 2016
      • Largest economies
        • Table Latin America GDP by Largest Economies, 2016
      • Brazil
        • Table Brazil: Credit Card and Debit Card Per Capita Payment Value and GDP Analysis, 2012-2016
      • Mexico
        • Table Mexico: Credit Card and Debit Card Per Capita Payment Value and GDP Analysis, 2012-2016
  • Commercial Card Network Operators
    • American Express
      • Business segments
        • Table American Express Business Customer Segmentation by Revenue, 2015 vs. 2016
      • Value proposition
      • Challenges and strategies
      • Hard benefits and soft benefits
      • Commercial card portfolio
      • American Express Global Business Travel
      • Performance trends
        • Table American Express Global Billed Business, by Region, 2015-2016
        • Table American Express: Consumer vs. Commercial Card Billed Business, U.S. and Non-U.S., 2012-2016
        • Table American Express: Consumer vs. Commercial Card Billed Business Share, U.S. and Non-U.S., 2012-2016
        • Table American Express Global Commercial Services Billed Business by Customer Segment, U.S. and Non-U.S., 2015-2016
        • Table American Express: Commercial Card Billed Business Share, U.S. and Non-U.S. by Segment, 2015-2016
        • Table American Express: Global Network Services Billed Business, U.S. and Non-U.S., 2015-2016
        • Table American Express Non-U.S. Billed Business by Region, 2013-2016
    • China UnionPay
      • Table China UnionPay, Credit Card, Debit Card, and Commercial Card Value, 2012-2016
      • Maintaining a monopoly
      • International expansion
        • Table China UnionPay: Internationally Issued Cards, Merchants, ATMs, and Transaction Value, 2012-2016
      • Growth areas
    • JCB
      • Global expansion
    • Mastercard
      • Commercial payment solutions
      • Commercial card strategy
      • Virtual cards and fleet cards
      • PayPal
      • Payments innovation: Mastercard B2B Hub
      • Performance trends
        • Table Mastercard Global Payment Value and Value Share, 2012-2016
        • Table Mastercard Global Payment Value, by Region, 2012-2016
        • Table Mastercard Global and Global Commercial Payment Value, 2012-2016
        • Table Mastercard U.S. Total and Commercial Credit and Debit Payment Value, 2012-2016
        • Table Mastercard Non-U.S. Total and Commercial Credit and Debit Payment Value, 2012-2016
    • Visa
      • Commercial payment solutions
      • In both cases, value-added services
      • B2B opportunities
      • Payments innovation: Visa Direct and Visa Ready
      • Visa Europe acquisition
        • Table Visa Europe Total and Commercial Credit and Debit Payment Value, 2012-2016
      • Performance trends
        • Table Visa Global Payment Value and Value Share, 2012-2016
        • Table Visa Global Card Payment Value by Region, 2012-2016
        • Table Visa Global and Global Commercial Card Payment Value, 2012-2016
        • Table Visa U.S. Total and Commercial Credit and Debit Payment Value, 2012-2016
        • Table Visa Non-U.S. Total and Commercial Credit and Debit Payment Value, 2012-2016
        • Table Visa Non-U.S. Total and Commercial Credit and Debit Payment Value, Europe Share, 2012-2016
  • Commercial Card Bank Issuers
    • Leading market participants
      • Table U.S. Consumer, Small Business, and Non-Small Business Commercial Credit Card Payment Value, Leading Five Bank Issuers, 2015-2016
    • Bank of America
      • Commercial card spend estimate
      • Commercial payments solutions
    • Citibank
      • International commercial card scope
      • Top U.S. commercial card issuer
      • Product innovation
      • International scope shifts
    • JPMorgan Chase
      • Commercial credit card spend estimate
      • Corporate & Investment Bank
      • Commercial Banking
      • Business banking
    • U.S. Bank
      • Commercial credit card spend estimate
      • North America and European reach
      • Commercial payments solutions
  • Other Market Participants
    • Corporate travel players
      • Universal Air Travel Plan
      • AirPlus International
        • Table AirPlus Credit Card Payment Value, 2012-2016
    • Fleet card players
      • Market size
        • Table U.S. Fleet Card Payment Value Growth Scenario, 2012-2016
        • Table WEX and FleetCor U.S. Fleet Card Payment Value, 2015-2016
    • WEX Inc.
      • Fleet payment solutions
      • Travel and corporate cards
      • Health and employee benefit solutions
      • Performance trends
        • Table WEX Inc. Fleet Card and Travel and Corporate Solutions Payment Value, 2012-2016
        • Table WEX Inc. Fleet Payment Processing and Transaction Processing Metrics, 2012-2016
        • Table WEX Inc. Travel and Corporate Solutions Payment Value, 2012-2016
    • Fleetcor Technologies, Inc.
      • Fleet payment solutions
      • Corporate cards
      • Performance trends
        • Table FleetCor Universal Mastercard and Corporate Payments Payment Value, 2015-2016
        • Table FleetCor Revenue and Per-Transaction Revenue by Product, 2015-2016
    • Government
      • Credit card programs
      • Prepaid card programs
  • U.S. Commercial Card Usage Trends
    • Business credit card usage
      • Business credit card usage over time
        • Table Employed Adults 18+ Who Have a Business Credit Card, 2014-2017
        • Table Employed Adults 18+ Who Have a Business Credit Card by Card Brand, 2014-2017
      • Business card usage by company employment size
        • Table Employed Adults 18+ Who Have a Business Credit Card by Company Employment Size, 2017
      • Business card usage by Fortune 500 status
        • Table Fortune 500 Employees Who Have a Business Credit Card by Card Brand, 2017
      • Business card penetration by occupation
        • Table All Adults and Business Credit Card Users by Occupation, 2017
    • Business purchasers
      • Table Business Purchasing Decision Makers by Type of Decision Involvement, 2017
      • Table Business Credit Card Use: Employees Making Business Purchasing Decision by Type of Decision Involvement, 2017
  • Appendix
    • Methodology
      • Consumer survey methodology
      • Market size and forecast methodology
      • Payment value metrics
    • Abbreviations and definitions
      • Table Report Abbreviations, 2017

Abstract

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Commercial Payment Cards: U.S. and Global Market Trends, 10th Edition

Packaged Facts forecasts global commercial card payment value to increase at an 8.9% average annual rate during 2016-2020. Commercial cards continue to make headway across the globe, among both advanced and emerging economies, boosted by continued technological advancements in value-added solutions that increase the payment card value proposition and adapting solution mixes to clients’ size and scope. Commercial cards have gained share on ACH in the U.S. But while Packaged Facts expects international commercial card payment growth to outstrip U.S. growth through 2020, commercial cards will comprise a lower share of non-U.S. card payments over time due in part to explosive international consumer debit card growth and cost-related and regulatory challenges, where, among key emerging economies, commercial card hurdles are more pronounced. These challenges help drive rationales for emerging multi-tender B2B options that pose disintermediation risks to banks and card networks. In the meantime, China UnionPay continues to ride payment value growth in its home market. But while Western networks remain shut out of China, UnionPay payment value on internationally issued cards has shot past $100 billion, creating a strong foundation for continued international growth. 

Commercial Payment Cards: U.S. and Global Market Trends, 10th Edition provides insight on these developments and trends, and much more. The report presents data and analysis on the global and U.S. market for commercial payment solutions, including cards and ACH. The report presents the size and growth of the market and related key metrics within the broader payment card arena. Included are discussions and analysis of the various card associations or networks, commercial payment card types, trends and factors affecting their growth, and a focused analysis of U.S. commercial card usage demographics and preferences. Major card brands and issuers are profiled. Specifically, this report:

Provides a global payment card commercial card market size and forecast through 2020, with supporting analysis of global, U.S. and non-U.S. consumer and commercial payment value growth during 2012-2016. This includes value share among seven leading payment networks (American Express, Diners Club, Discover, JCB, Mastercard, UnionPay and Visa). Provides stand-alone Visa Europe 2012-2016 payment value, including commercial and consumer credit cards and debit cards. A separate market size is provided for U.S. fleet cards. 

Includes a combined U.S. ACH/card payments market size through 2016, as well as ACH commercial payment value by type.

Provides various commercial payments opportunity analyzes, such as U.S. ACH payments growth; a global PCE forecast by region; global ACH, cash and check, and payment card value; a proprietary estimate for 2016 U.S. commercial expenditures; and U.S. business segmentation by revenue and by employment size. 

Analyzes factors influencing commercial payments growth, including electronic B2B trends, virtual cards, regulatory changes, and product enhancements and introductions.

Assesses trends and card products shaping commercial markets across the globe, including China, India, Europe, and Latin America. Payment card market sizing is provided for more than 35 countries. Commercial card estimates are provided for Canada, Latin America, and Europe. Country analysis incorporates debit card, credit card, GDP and population comparisons.

Provides guidance on U.S. business card usage penetration by card brand, business employment size and occupation; among business purchase decision markers by type of involvement, card brand, and employment size.

Analyzes the commercial payments strategies of American Express, Mastercard, Visa and China UnionPay. This includes analysis of commercial card operations, including growth strategies, card programs, electronic solution evolution, and U.S. and non-U.S. trends. 

Includes China UnionPay credit card, debit card and commercial payment value estimates, as well as international payment value in domestically issued cards and payment value on internationally issued cards. 

Trends 2012-2016 American Express, Discover, Mastercard and Visa global, U.S. and non-U.S. commercial and consumer credit card and debit card payment value. 

Drills into U.S. small business, middle market and large company value estimates for American Express, as well as Visa and Mastercard share of U.S. commercial spend attributable to credit cards and debit/prepaid cards. 

Provides commercial credit card estimates (with separate small business estimates) for major U.S. bank card issuers. Assesses the commercial card strategies of major U.S. commercial bank players, including Bank of America, Citibank, JPMorgan Chase and U.S. Bank. 

Analyzes the commercial fleet card market and the closed-loop airline/travel market, focusing on the strategies being employed by industry players such as FleetCor Technologies, Inc., WEX Inc., Universal Air Travel Plan, Inc. and AirPlus International. This includes estimates for fleet card payment value and corporate card/virtual card payment value.



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