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for online purchases using credit cards, while just 19 per- ample, 78 percent prefer to pay online in advance as op-
cent prefer to use their debit cards. posed to at curbside pickup or delivery. She suggested
this trend is likely to continue. "As businesses continue on
Grotta conceded, however, that debit cards may offer a their path to re-opening, understanding how best to serve
key advantage over credit cards among consumers desir- customers could mean the difference between regaining
ing low-touch transactions. Unlike credit card payments, traction, or falling short over the next few months," she
which typically require signature authorizations, "a debit said.
card can be inserted into the terminal by a cardholder for
a contact chip transaction without ever touching anything CardFlight, which has been publishing reports on transac-
beyond the card itself, so this may be considered a virus- tion trends at its 60,000 client locations since early March,
safe transaction in the eyes of consumers," she said. has seen a steep rise in card-not-present (CNP) transac-
tions across most merchant verticals. During the first
The CNP alternative week of June, CNP payments were up nearly 30 percent

Another trend Visa is planning for is ongoing migration over early March, while card present transactions were up
away from brick-and-mortar purchases. People are getting just 3.9 percent.
habituated to shopping from home and other low-touch
interactions, including omnichannel and curbside pickup, Webster added that there's also been a steep rise in pay-
Jenkyn stated. "I think that will be a long-term change that ments on invoiced transactions, where businesses email
we'll see. Some will go back, but some folks like this," he invoices with links that customers can use to pay from
said. their PCs or mobile devices. The option is especially popu-
lar with businesses in the services sector. "We've seen use
Erin Fenn, executive vice president at Intouch Insight, of our invoicing product more than double since the base-
agrees. Intouch develops customer experience manage- line week [March 2 through 8]", Webster said.
ment products and services. A survey of North Ameri-
can consumers recently conducted by the firm found that Patti Murphy is senior editor at The Green Sheet and co-host of the
among consumers who order takeout for delivery, for ex- Merchant Sales Podcast.. Follow her on Twitter @GS_PayMaven.

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