. sources : mastercard , american express , jcb and diners club data sourced from the nilson report issue 946 ( april 2010 ) . includes all consumer and commercial credit , debit and prepaid cards . currency figures are in u.s . dollars . mastercard excludes maestro and cirrus figures . american express includes figures for third party issuers . jcb figures are for april 2008 through march 2009 and include third party issuers . transactions are estimates