Payment Choice Coalition Press Release Crosstabs Executive Summary
Partnership Overview
In early 2025, the Siena Research Institute (SRI) entered into an agreement with the Payment Choice Coalition (PCC), a group of industry members interested in freedom for consumers to pay for their goods and services using the method of their choice. Through various stakeholders meetings and research, SRI developed a survey instrument for the PCC to understand the opinions of United States residents on topics such as payment choice and legislation introduced in the U.S. Congress.
About the Survey
The survey was developed after a comprehensive literature review of publicly and privately available information. Additionally, stakeholder input from members of the PCC was incorporated in question development. The survey is comprised of 5,570 United States residents collected May and October 2025 across three waves. The survey instrument was revised after each wave of fielding. New questions were added, others removed, and many stayed the same. The revisions of the questionnaire allowed researchers to gain further insights based on previously collected data.
Methodology
This survey was conducted by the Siena Research Institute from May 20 to October 22, 2025, among 5,570 United States residents who completed the full survey. The funding to conduct the research was provided by the Payment Choice Coalition (PCC) after responding to a Request for Proposal (RFP). The study was conducted across three waves where modifications were made to the questionnaire in each wave.
- Wave 1: 1,022 residents between May 20 and July 7, 2025
- Wave 2: 1,084 residents between July 24 and August 20, 2025
- Wave 3: 3,464 residents between September 15 and October 22, 2025
All respondents were contacted through a dual frame (landline and cell phone) mode. No respondents were contacted through an online web panel. No financial incentives were provided to any of 5,570 respondents. Of the 5,570 residents who completed the entire survey, 1,587 completed the survey online via web link sent from an MMS invitation, known as text-to-web. Nearly all the cell phones in the sampling frame were sent the MMS invitation and if the respondent did not complete the survey online, then they would be called by telephone interviewers. The remaining 3,983 U.S. residents in the sample were contacted by a live telephone interviewer. Calls were initiated in English, and if a Spanish-speaking respondent was reached, the call was transferred to or called back by a bilingual telephone interviewer. Spanish speaking telephone interviewers were diverse in their dialect including Mexican, Caribbean, and Central American Spanish being spoken. Telephone sampling was conducted via a stratified dual frame probability sample of landline and cell phone telephone numbers weighted to reflect known population patterns. The landline telephone sample was obtained from ASDE and the cell phone sample was obtained from MSG. Invitations via text messages were sent from Rumble Up as an MMS that included an image with information about the study, a written description of the request, and a unique survey link hosted on the Voxco survey software platform.
The bulk of the survey questions are closed-ended fixed choice responses. For some questions, respondents were asked or offered to provide open-ended responses. All open-ended responses are either typed directly by respondents taking the survey online or by the telephone interviewer conducting the interview. Coding of open-ended responses was done by a single human coder.
Survey calls were conducted Monday through Thursday between 1 PM and 9 PM local time. On Fridays, calls were made between 4 PM and 9 PM eastern time. On Saturdays, calls were made between 10 AM and 4 PM eastern time. On Sundays, calls were made between 2 PM and 8 PM eastern time. Each respondent was called up to 7 times before a case was resolved, and no messages were left if a voicemail or answering machine was reached. Participants were screened out if they did not meet the following conditions: current resident of the United States, aged 18 years or older, and did not exceed predetermined demographic quotas. The length to complete a survey averaged 10 minutes for respondents who completed the survey online via a link texted to them and 17 minutes for respondents who completed the survey with a live telephone interviewer.
Data from collection modes was weighted to balance sample demographics to match estimates for the United States population using data from the Census Bureau’s 2023 Current Population Survey, on age, region, race/ethnicity, education, and gender to ensure representativeness. It has an overall margin of error of +/- 1.7 percentage points including the design effects resulting from weighting. Sampling error is only one of many potential sources of error and there may be other unmeasured error in this or any other public opinion poll.
