After a ho hum increase in credit card volume in May, we were curious to get a look at the economy based on June’s numbers.  Wind River’s portfolio of over 3,500 merchants (which processed over $1.5 Billion in volume last year) saw year-over-year sales increase of 6.1% for June.  A welcome up tick for the mid year mark.

To continue our “trends” conversations that I have blogged about the last couple of months, I’m happy to report the overall Wind River portfolio volume growth for the first half of the year was 4.6% over the same time period and same store growth of last year. Most of our clients (62%) shared in this positive credit card growth year-over-year, outweighing the number of clients who have not seen growth yet this year.

This month I took a look at the number of transactions that we processed the first six months of this year vs. the same time period in 2013, again, same store comparison, and found that to be up 3.46%.  Meaning more transactions processed but as you might imagine based on the other information, the average dollar amount of the transaction has declined 3.2% from $128.47 in 2013 to $124.36.

Nothing startling in this news but interesting that there is more swiping of cards going on but not quite at the dollar level as last year.  Does that mean the consumer continues to be more careful about their spending?  I don’t think we can draw that conclusion from these few data points.

We also realize that credit cards are only part of the overall picture of your total sales. With that said, we do hope the economy is picking up steam as we head into the third quarter.

In the meantime, we look forward to rolling out a new online reporting package in Q3 that will provide more personalized and specific insight into these volume trends. Stay tuned for more details on that in a later blog!

As always, Wind River is committed to bringing our clients more information to allow you to manage your credit card expense line. Let me know if you find this information helpful or interesting. You can contact me directly at or call our friendly Relationship Managers at 1-800-704-7253, Option #4.