The Under-Billed Market:
It's The Little Payments That Mean A Lot

Abstract: An opportunity market for migrating small value, service-related consumer-to-business payments from checks and cash to electronic payment forms is quickly emerging in the United States, spurred on by technology that supports inexpensive, convenient card acceptance devices. On the other side of this market are the billions of regular bill payments that take place on the edges of consumers' lives.

Traditional bill pay solutions have been slow to automate these transactions even though they represent one of the final hurdles to removing cash and check payments from the market and as a result may find a home in the person-to-person market, thereby cutting one more line to traditional financial institutions.

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About Mercator Advisory Group
Mercator Advisory Group is the leading, independent research and advisory services firm exclusively focused on the payments and banking industries. We deliver pragmatic and timely research and advice designed to help our clients uncover the most lucrative opportunities to maximize revenue growth and contain costs. Our clients range from the world's largest payment issuers, acquirers, processors, merchants and associations to leading technology providers and investor.