A second RBA study published yesterday covers payment patterns, a subject of equal relevance to the industry wrangle with the regulator over what to do with the four year old body of rules on payment card interchange and related rules on access.One point of the survey is to work out how common cash payments are (given there's practically no data on the point) versus electronic transactions where the data is extensive.Based on consumer and merchant surveys and analysis of data from banks the RBA found that:• 70 per cent of everyday transactions are in cash, but, since these transactions tend to be of a low value, cash transactions represent 38 per cent of the value.• Eftpos and scheme debit account for 15 per cent of payments and 20 per cent of value.• Credit and charge cards account for 10 per cent of payments and 19 per cent of value.• BPay accounts for two per cent of payments and nine per cent of value.• Cheques account for one per cent of payments and nine per cent of value.The study suggested that many of the highest value payments may be taking place online and by people who are frequent users of internet banking. Around 70 per cent of people made one or more pay anyone transfers from their accounts using internet banking and 50 per cent paid more than $1000 this way (possibly as transfers to themselves as well as paying bills) during the survey period.