as the payments landscape evolves , we may increasingly face competition from emerging players in the payment space , many of which are non-financial institution networks that have departed from the more traditional 201cbank-centric 201d business model .the emergence of these potentially competitive networks has primarily been via the online channel with a focus on ecommerce and/or mobile technologies .paypal , google and isis are examples .these providers compete with visa directly in some cases , yet may also be significant partners and customers of visa .based on payments volume , total volume and number of transactions , visa is the largest retail electronic payments network in the world .the following chart compares our network with those of our major general purpose payment network competitors for calendar year 2011 : company payments volume volume transactions cards ( billions ) ( billions ) ( billions ) ( millions ) visa inc. ( 1 ) ........................................$ 3768 $ 6029 77.6 2011 .
[['company', 'paymentsvolume ( billions )', 'totalvolume ( billions )', 'totaltransactions ( billions )', 'cards ( millions )'], ['visa inc. ( 1 )', '$ 3768', '$ 6029', '77.6', '2011'], ['mastercard', '2430', '3249', '39.8', '1059'], ['american express', '808', '822', '5.3', '97'], ['discover', '114', '122', '1.9', '59'], ['jcb', '160', '166', '1.4', '77'], ['diners club', '28', '29', '0.2', '6']]
( 1 ) visa inc .figures as reported on form 8-k filed with the sec on february 8 and may 2 , 2012 , respectively .visa figures represent total volume , payments volume and cash volume , and the number of payments transactions , cash transactions , accounts and cards for products carrying the visa , visa electron and interlink brands .card counts include plus proprietary cards .payments volume represents the aggregate dollar amount of purchases made with cards carrying the visa , visa electron and interlink brands for the relevant period .total volume represents payments volume plus cash volume .the data presented is reported quarterly by visa 2019s clients on their operating certificates and is subject to verification by visa .on occasion , clients may update previously submitted information .sources : mastercard , american express , jcb and diners club data sourced from the nilson report issue 992 ( april 2012 ) .includes all consumer and commercial credit , debit and prepaid cards .some prior year figures have been restated .currency figures are in u.s .dollars .mastercard excludes maestro and cirrus figures .american express includes figures for third-party issuers .jcb figures include third-party issuers and other payment-related products .some figures are estimates .diners club figures are for the 12 months ended november 30 , 2011 .discover data sourced from the nilson report issue 986 ( january 2012 ) 2014u.s .data only and includes business from third-party issuers .for more information on the concentration of our operating revenues and other financial information , see item 8 2014financial statements and supplementary data 2014note 14 2014enterprise-wide disclosures and concentration of business included elsewhere in this report .working capital requirements payments settlement due from and due to issuing and acquiring clients represents a substantial daily working capital requirement .u.s .dollar settlements are typically settled within the same day and do not result in a receivable or payable balance , while settlement currencies other than the u.s .dollar generally remain outstanding for one to two business days , consistent with industry practice for such transactions. .

Question: what is the average payment per transaction of discover holders?
Answer: 60.0