1-Parameter Model

2-Parameter Model

3-Parameter Model

Payment method

b_j

a_j

b_j

a_j

b_j

c_j

1) Cash

−1.39611

0.29256

−4.15003

0.30529

−2.88671

0.21441

2) Prepaid, general

1.31810

1.55940

1.02058

2.88494

0.96973

0.05409

3) Prepaid, merchant

1.23686

1.04710

1.21966

1.56446

1.26589

0.07882

4) Contactless credit

2.45606

1.09327

2.34532

1.47048

2.64573

0.06291

5) Contactless debit

2.80338

1.10585

2.65162

1.40421

2.97977

0.04783

6) Money order

2.07308

0.39323

4.69576

0.89827

4.31405

0.11820

7) Travelers check

3.57827

0.49224

6.72113

1.01373

5.40572

0.03515

8) Online

1.03717

0.20037

4.42880

0.77891

12.41687

0.29183

9) Mobile

3.53573

0.74481

4.57102

1.12737

4.44243

0.03160