Cards have remained the dominant payment method for POS payments in New Zealand. Since the COVID-19 pandemic, debit and credit cards combined have accounted for three out of four in-store transactions, while cash usage declined to approximately seven percent. The source does not elaborate on why debit cards declined and credit cards grew, although this might tie in with the use of Buy Now, Pay Later in both New Zealand and Australia - as BNPL is essentially a credit service at heart. Indeed, the use of BNPL in POS mentioned in this ranking - for physical purchases, not online - is relatively higher than that for other countries.
Market share of cash, credit cards, and other payment methods at point of sale (POS) in New Zealand from 2017 to 2024, with a forecast for 2030
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Market share of cash, credit cards, and other payment methods at point of sale (POS) in New Zealand from 2017 to 2024, with a forecast for 2030
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* The source changed its categories in 2021 and 2024, see the "Details" tab for more information.
Supplementary notes
In 2022, the source stated it made two changes to the categories used in previous years. These include a combination of "credit cards" with "charge/deferred debit cards" and the split of BNPL from "POS financing" (which itself was added as a new category in 2020). The latter change was made to atone for the "growing importance of BNPL". This seems to have been reverted in 2023 - for the year 2022.
In 2024, the "debit card" and "prepaid card" categories were combined into a single category called "Debit and Prepaid Cards".
The figures have been taken from several publications. No figures were available for 2018 as the source did not release any reports that year.
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Worldpay. (March 7, 2025). Market share of cash, credit cards, and other payment methods at point of sale (POS) in New Zealand from 2017 to 2024, with a forecast for 2030 [Graph]. In Statista. Retrieved April 28, 2025, from https://www.statista.com/statistics/1296880/preferred-payment-methods-new-zealand/
Worldpay. "Market share of cash, credit cards, and other payment methods at point of sale (POS) in New Zealand from 2017 to 2024, with a forecast for 2030." Chart. March 7, 2025. Statista. Accessed April 28, 2025. https://www.statista.com/statistics/1296880/preferred-payment-methods-new-zealand/
Worldpay. (2025). Market share of cash, credit cards, and other payment methods at point of sale (POS) in New Zealand from 2017 to 2024, with a forecast for 2030. Statista. Statista Inc.. Accessed: April 28, 2025. https://www.statista.com/statistics/1296880/preferred-payment-methods-new-zealand/
Worldpay. "Market Share of Cash, Credit Cards, and Other Payment Methods at Point of Sale (Pos) in New Zealand from 2017 to 2024, with a Forecast for 2030." Statista, Statista Inc., 7 Mar 2025, https://www.statista.com/statistics/1296880/preferred-payment-methods-new-zealand/
Worldpay, Market share of cash, credit cards, and other payment methods at point of sale (POS) in New Zealand from 2017 to 2024, with a forecast for 2030 Statista, https://www.statista.com/statistics/1296880/preferred-payment-methods-new-zealand/ (last visited April 28, 2025)
Market share of cash, credit cards, and other payment methods at point of sale (POS) in New Zealand from 2017 to 2024, with a forecast for 2030 [Graph], Worldpay, March 7, 2025. [Online]. Available: https://www.statista.com/statistics/1296880/preferred-payment-methods-new-zealand/
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