"It's been quite good, it hasn't been frantic."
Shoppers had been calm, happy and looking forward to Christmas.
The store is open today until 6pm, or "until the last customer leaves", he said.
Paymark head of sales and marketing Paul Whiston said the usual pre-Christmas jump continued last week, with Kiwis spending more than $1.3 billion between December 15 and 21.
"This is a strong performance and growth so far for December and is still ahead of the year-to-date average. The growth rates this December have been higher than we've experienced in a number of years."
However the annual growth rate has slowed as the month progressed, from 8.6 per cent in the first week of December to a 6.9 per cent average over the month-to-date.
That could either indicate better planning, or shoppers relying on the last two days before Christmas to get everything done, he said.
Alternatively, shoppers might have bought their big-ticket items at the start of the month, and left the stocking fillers until the last week, he said.
"It's been a really busy sustained period, so there hasn't been a frenzy."
Growth was sustained across a number of sectors including accommodation (11.9 per cent), restaurants, bars and cafes (10.4 per cent), takeaways (10.4 per cent) and hardware/building supplies (10.1 per cent).
Palmerston North (9 per cent) leads spending growth in the regions over the first three weeks of December, followed closely by Marlborough (8.7 per cent) and Canterbury (7.6 per cent).
Smaller regional centres such as Wanganui (2.3 per cent) and the West Coast (0.1 per cent) were still "having a tough time", Mr Whiston said.
Popular items under the tree this year include new shoes, a new pet, jewellery, electronic gadgetry and something for the home, Paymark said. APNZ