Mean number of electronic card transactions per person in New Zealand

Year ended March 2004–2018


Retail series: includes the core retail series plus the motor vehicles and fuel industry groups.
Core retail series: includes consumables, durables, hospitality, and apparel industry groups.

Consumables: Includes food and liquor retailing
Durables: Includes furniture, hardware, and appliance retailing; pharmacy, cosmetic, and toiletry retailing
Hospitality: Includes accommodation, bars, cafes and restaurants, and takeaway retailing
Apparel: Includes clothing, soft-goods, and footwear retailing
Motor vehicles: Includes automotive parts and accessories; vehicle and tyre retailing
Fuel: Automotive fuel retailing
Services: Includes personal and household services, including hire and repair; automotive electrical and repair services
Non-retail (excluding services): Includes travel and health, and wholesaling

Cash out: cash taken out at a point-of-sale terminal, with or without a purchase.
Debit card: card used for debiting money directly from a bank account. Also commonly referred to as eftpos, cash, or ATM card.
Debit transactions: where the purchaser uses the cheque or savings buttons on the point-of-sale terminal.
Eftpos: electronic funds transfer at point of sale.
Card-not-present transactions: purchases made using a credit card, via telephone, mail order, Internet, or credit card direct debit where the card is not present for the transaction.

Data calculation/treatment

Seasonally adjusted series
Statistics NZ use the X-13ARIMA-SEATS package to produce the seasonally adjusted estimates and trend estimates for the three series: total, retail, and core retail ECT. Seasonal adjustment aims to eliminate the impact of regular seasonal events (such as annual cycles in agricultural production, winter, or annual holidays) on time series. This makes the data for adjacent months more comparable. There is no specific adjustment made for leap years in these series.
All seasonally adjusted figures are subject to revision each month. This enables the seasonal component to be better estimated and removed from the series.

Limitations of the data

One of the respondent companies includes cash-out data, but the other excludes them.
One of the respondent companies includes manual, voucher-based credit card transactions, but the other excludes them.


The ECT series includes:
- all debit, credit, and charge card transactions with New Zealand-based merchants
- card-present transactions at the point of sale, whether authorised by PIN or signature
- card-not-present transactions (eg payments of invoices; mail order, telephone, and Internet sales via credit card; or direct debit from credit cards) where the card is not presented directly at a point-of-sale terminal
- GST.


The ECT series excludes:
- all credit card transactions with non-New Zealand-based merchants (eg via the Internet, telephone, or mail order)
- transactions by New Zealand card-holders while overseas
- cash, cheque, or hire purchase transactions
- automatic payments or direct debits from bank accounts
- Internet bank account payments
- withdrawals from ATMs.

Data provided by

Stats NZ

Dataset name

Electronic Card Transactions: June 2018


How to find the data

At URL provided, download 'Electronic card transactions: June 2018 – CSV tables' under the Download Data heading.

Import & extraction details

File as imported: Electronic Card Transactions: June 2018

From the dataset Electronic Card Transactions: June 2018, this data was extracted:

  • Rows: 326-458
  • Column: 3
  • Provided: 133 data points

This data forms the table Electronic Card Transactions - By mean and proportion (Annual) 2000–2018.

Dataset originally released on:

July 10, 2018

Purpose of collection

Electronic Card Transactions (ECT) is a monthly series that covers all debit, credit, and charge card transactions with New Zealand-based merchants. This information can be used as an indicator of the change in the level of consumption expenditure and economic activity in general.