"They're a good gift to get anyone and they have less pressure to get something perfect," she said.
Paymark - which handles more than two-thirds of the country's electronic payment transactions - had just over $3.2 billion through its network between November 30 and December 20, $148.7 million more than for the same period last year.
Chief executive Simon Tong said the results should be welcome news for retailers.
On Thursday, Paymark broke through four million transactions in one day for only the sixth time in its history.
One chain store is using Christmas Eve to start its Boxing Day sale and is giving shoppers a way of avoiding the sales madness.
Dick Smith will launch discounts online from 6 o'clock this evening. Customers will have unrestricted access to all sale items online, ahead of those that will be available in stores on Wednesday.