Order Form

    This individual Report Small Business Debit: How Small is Small? is available for purchase. This Report is available to members of Mercator Advisory Group’s Credit Advisory Service. Please be advised that this Report is normally part of a research and advisory service that provides ongoing support throughout the year. As such, this Report contains significant depth of content that is selected for its strategic importance to our members. (For a description of these services, see our Advisory Services section).

    While the Report represents significant analyst time invested, there is no means of our ascertaining if it will fully meet your specific intended purposes. Typically, these Reports form the basis for future discussions with our clients where we are able to fine-tune additional information that we have gathered in the construction of the series of Reports (or locate new information rapidly due to our exclusive focus on gathering information in the payments industry) for specific member needs.

    Unfortunately, in fairness to our paying members, we are not able to offer this level of support for a single Report purchase. We will, however, credit any Research Document purchase against the future purchase price of the service should you become a member within 30 days of purchasing the document.

    The price for individual Report purchases is $2950 per document. 


    Use the form below to request this individual Report purchase or

    Click here for a fax-back order form




Small Business Debit: How Small is Small?

Small Business Debit: How Small is Small?

Boston, MA - A combination of small business market growth and tighter lending policies has resulted in creating a strong opportunity market for small business debit issuers. However, as with any market, size matters and up until recent years as issuers focused on the run up to building the consumer debit card market, small businesses, and in particular, very small businesses were often an also-ran strategy. In addition, the lack of clarity around small business debit in the EFTA definition of a debit card transaction found in the Durbin Amendment will almost certainly give some issuers pause as they consider their product investment budgets.

Nevertheless, small business products and services may offer some protection from the vagaries of regulatory reform as this market has the potential for sustainable growth opportunities in a mature debit card market and also comes with the expectation that businesses pay fees for their financial services.

Mercator Advisory Group's report Small Business Debit: How Small is Small? Examines the small business debit market in the light of the "new normal" for issuers considering how best to expand their debit card portfolios including best practices, network solutions, and opportunity market analysis.

"Whether an issuer approaches one, two or all three segments of the small business market, small isn't small anymore. In an issuing market where there is more supply than demand, addressing a debit card segment that has the potential to deliver millions of new accountholders spending billions of dollars each year has not gone unnoticed by issuers or card networks," Patricia Hewitt, Director of Mercator Advisory Group's Debit Advisory Service comments.

Highlights of this report include:

An examination of the current market dynamics that surround the small business debit market.

An analysis of small business segments and review of card network solutions.

A discussion of go-to-market issuer strategies.

A review of the potential impact of regulatory changes on the small business debit market.

An estimate of the cardable opportunity pool available to issuers for business debit products.

One of 15 exhibits in this report:

This report is 29 pages long and has 15 exhibits.

Companies mentioned in this report include: TD Bank, Fifth Third Bank, PNC Bank, Visa, MasterCard, American Express.

Members of Mercator Advisory Group
have access to this report as well as the upcoming research for the year ahead, presentations, analyst access and other membership benefits.

Please visit us online at

For more information and media inquiries, please call Mercator Advisory Group's main line: (781) 419-1700, send E-mail to

Follow us on Twitter @

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 investors.