Nilson Report

Issue 1190 | Jan 2021


Companies featured in this issue include:

Outstandings on General Purpose Credit Cards in the U.S.

Market Shares of Outstandings on U.S. Credit Cards—2000 through 2020

Investments in Merchant Acquiring and Processing by Region—2020

Investments by Region—Number of Transactions in 2020

Income at Top U.S. Credit Card Issuers—2020 vs. 2019

American Express Cards 2020 vs. 2019

Discover Card 2020 vs. 2019

Investments and Acquisitions—December 2020

American Express Cards 2020 vs. 2019

American Express issues cards directly and in partnership with financial institutions worldwide. Figures for cards issued, transactions generated, and outstanding receivables are listed on page 10.

1. Inside the U.S.
$691.52 billion purchase volume, –16.2%
2. Outside the U.S.
$313.36 billion purchase volume, –21.7%
3. Global total
$1,004.88 billion purchase volume, -18.0%

Full access to the American Express Cards 2020 vs. 2019 results is available when you subscribe to the Nilson Report.



Worldline’s DaaS Platform

The Digital Commerce Division of Worldline is upgrading tools available to its large ecommerce merchant acquirer customers through a data as a service (DaaS) platform called Ingenico Insight. Merchant personnel in finance, payment and fraud departments gain predictive analytics and business intelligence capabilities in addition to enhanced reporting services through a standard dashboard. Data is available through a web-based interface or via APIs users can access to bring the services into their own work environments. 

Traditional metrics show merchants what has occurred in their payment business. Predictive analytics let merchants use that data to anticipate the future, such as the number of chargebacks and refunds to be expected based on the current level of business. Among the benefits of Worldline’s DaaS platform is the ability to increase the number of authorized transactions and planning for growth. Finance personnel can manage transaction reconciliation in the currency and bank account of their choice with the foreign exchange information available for bookkeeping. 

Worldline says its DaaS platform can benchmark a merchant’s performance against other merchants in its sector to identify areas that can be improved. With that kind of information, users could better manage acquiring relationships, including switching to a new provider and/or adding sales through acceptance of domestic-only card brands and local alternative payment networks.

The DaaS platform was beta tested by 35 customers and will be rolled out to all by year-end as part of the company’s standard service. Customers include KLM, Emirates, Valve, Square Enix, Wikimedia, Joom and inCruises.

Interviewed for this article

Anne-Claude Tichauer is Global Head of Portals, Ecommerce and Merchant Services at Worldline in Paris, France,,

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