Ways to increase digital payments

The % of digital payments are the quartile averages from SMB survey responses.  The points below the % is an illustrative list of digital payment characteristics for these SMBs.
Illustration of a person.

Beginner 43%

  • No payment card logo displayed
  • May charge minimums or surcharges
  • Payment card accepted at one checkout
  • Limited staff trained to accept cards
  • Discourage payment card use
Illustration of a person and a star in the bottom right corner.

Novice 58%

  • No surcharge or minimums
  • Payment card logo displayed at checkout
  • Accept contactless cards
  • Payment card terminal visible to customers
  • All staff trained to accept cards
  • Website to promote business
  • Paper-based loyalty programme (i.e. punch card)
Illustration of a rectangular ribbon with a star in the middle of it.

Emerging Leader 66%

  • Cards accepted at all checkout lanes
  • Staff encourages payments by card
  • E-Commerce enabled website accepting payment cards
  • Digital loyalty programme
  • Customer’s name, emails and mobile numbers tracked
Illustration of a ribbon with a star in the middle.

Best in class 79%

  • Accept mobile payments (i.e. ApplePay, GooglePay)
  • Dedicated payment card only checkout
  • Online card-on-file for faster checkout
  • Mobile order ahead for restaurant take-out or in-store pick-up
  • Digital marketing programme via email, mobile (i.e. text) and website