|
|
 - A-01 Reasons for rejection of credit card transactions in all shops © Deutsche Card Services GmbH
 - A-02 Chargeback reasons for credit card transactions in all shops © Deutsche Card Services GmbH
- Chargeback ratios fortunately continue to decline
- German and UK merchants in particular are obviously stepping up fraud prevention.
- More than three-quarters of all chargebacks based on attempted fraud; can be prevented by 3-D Secure.
- Share of rejected card transactions has declined.
- Increase in success rates is most pronounced for consumers from the rest of Europe.
- Most important reason for rejection: rejection by the credit institution/authorisation system.
- Fewer sources of error concerning the use of cards.
- Decline in the direct debit chargeback ratio.
- Largest decline among German consumers.
- Share of the reason “Account closed” has declined considerably.
- Chargeback ratio in UK shops has halved.
- British merchants increasingly use fraud prevention tools.
- Direct debit chargeback ratio has considerably declined among consumers from the rest of Europe.
- Chargeback ratios rise parallel to transaction values.
- In case of direct debits the risk of non-payment is highest for transaction values below EUR 10.
- Merchants often do not want to invest in additional security measures for low transaction values. Result: in German shops, one out of 20 direct debit payments with a transaction value below EUR 10 fails.
- Chargeback ratio of MasterCard below that of Visa.
- Lowest value: MasterCard in German shops.
- Lowest risk of non-payment for "other credit cards"; however, the number of transactions is much smaller.
- Risk of non-payment almost equal for European men and women in case of credit card payments and direct debits.
- Chargeback ratio lower for German women than for German men.
- Risk of non-payment of direct debits higher for men if the transaction value exceeds EUR 500.
|
|
You are interested in our services? Please get in contact.
Tel. +49 221 99577-760
[contact form]
The E-Commerce Report 2009 is available for 500 Euro plus VAT in our Shop.
[more]
[shop]
|
