Division 2

Within each payment function (i.e. debit, delayed debit and credit), card-based payment instruments are broken down according to the payment card scheme (PCS) under which they are issued. Co-badged card-based payment instruments are counted in each of the applicable schemes. Therefore, the total number of card-based payment instruments by payment function may be smaller than the sum of those cards by PCS. To avoid double-counting, cards by PCS should not be combined.