M.Com. (Business Management) / Payment instruments are commodities which are very common in our everyday life. The research sets out to determine which payment instrument is the payment instrument of choice by consumers at point of sale when paying for goods at a retail store in Gauteng, Pretoria. The conceptual model makes use of attributes associated with payment instruments to determine which payment instrument is more preferable by consumers at pay point. Empirical results shows a strong support for card as payment instrument of choice whilst secondary scanner data offers rich raw data with results showing strong support for cash as payment instrument.