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The largest share of U.S. retailers’ sales still takes place in stores, followed by online channels.

While mobile devices currently represent a smaller share of the total, the growth rate for both e-commerce and mobile commerce is strong. Online lender Vyze in January 2018 polled 100 executives at retailers that offer credit to gain fresh insights about consumer payment trends and the checkout experience.

More than a third of customers making purchases at credit-offering retailers opt for cash, debit or check (36%), with an equal amount using a general-purpose credit card. Twenty-eight percent use private-label retail credit or financing for purchases, according to Vyze.