The 2013 Federal Reserve Payments Study (the 2013 Study) is the fifth in a series of triennial studies conducted since 2001 by the Federal Reserve System to estimate aggregate trends in noncash payments in the United States. Estimates are based on survey data gathered from depository institutions, payment networks, processors, and issuers. This study does not estimate the number and value of cash payments, but it does estimate activities related to cash payments, such as debit card cash-back transactions and ATM cash withdrawals. For trend analysis, the 2013 Study compares the 2012 estimates with estimates from previous studies.