By 2012, 30% of Americans will turn to online alternative payments, instead of reaching to their wallet for a traditional credit card. Individuals will use options such as stored-value, email payments and even instant credit, provided by companies that include traditional brands (Visa, MasterCard, American Express, Discover) and alternative challengers (PayPal, Green Dot). Traditional brands and methods will endure representing the largest dollar amount and%age of total online transactions, but that share will slip to 44% by 2012, according to Javelin. Debit card reward programs and promotions continue to lure younger consumers and will help to nearly triple the debit card transaction volume to $93.9 bln by 2012.