Consumers do want to pay by card But, at the same time, other studies pointed out (from within the card industry itself) that consumers prefer them to cash. 59% of users "generally usa phone list to pay by card", indicated a study by Advanced for Visa in Spain two years ago. 53% of those surveyed claimed that they carry less and less cash in their wallet, while 84% acknowledged that they never leave home without their card. For 79% of those surveyed, being able to pay by card would always be the ideal situation.