Retail Decisions (ReD), a payment card issuer and world leader in payment card fraud prevention and payment processing, predicts a bustling Black Friday on November 28 with 10.00 am - 11.00 am being the busiest online shopping hour of the year, with the peak shopping moment at 10.25 am.

December 1, Cyber Monday's busiest hour will be between 9.00 am - 10.00 am. This will be the second busiest online shopping hour of the year with a peak shopping moment at 9.49 am.

ReD is forecasting that volumes will rise by 18% on a like-for-like basis vs. 2007. The Average Transaction Value in the United States will fall by 9%.

"A change in consumer behavior is evident with more and more consumers spending their dollars on 'stay at home' items such as fast food and "Pay As You Go" TV, as vacations are replaced by staycation. The recession has brought a new found frugality that is causing people to shop smarter, budget better and exploit sales," said Carl Clump, CEO of Retail Decisions.

As a global leader in real-time card payment fraud prevention, ReD processes some 16 billion transactions annually, providing a unique perspective on sales, volumes and trends around the world.