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 - Chart A-01: Reasons for rejection of credit card transactions in all shops © Deutsche Card Services GmbH
 - Chart A-02: Chargeback reasons for card transactions in all shops © Deutsche Card Services GmbH
- The chargeback ratio in e-retailing is even below the current record low in overall e-commerce.
- Using the security technology 3-D Secure reduces the general chargeback ratio further, from 0.25% to 0.10%.
- The decline in the chargeback ratio is largely due to the fact that e-retailers have improved their security for transaction values of more than 100 €.
- The lower chargeback ratio does not necessarily lead to more rejections of card transactions and, in turn, revenue losses.
- The number of transactions rejected on the grounds of suspected manipulation is declining.
- The non-payment risk for direct debits rises dramatically for high-value transactions.
- The number of fraud attempts in direct debiting has increased.
- The chargeback ratio is lower for German and non-European customers in e-retailing than in overall e-commerce.
- Many merchants need to improve their fraud protection.
- Women are less fraudulent than men in online retailing.
- In direct debiting, too, non-payment risks are lower for women than for men.
- The chargeback ratio is highest for consumers from Bremen (0.34%).
- Things have developed almost dramatically in Berlin, where fraud attempts with card payments seem to be unusually successful.
- Hessians are a positive example, with a very low chargeback ratio, the highest success rate and a very low direct debit chargeback ratio.
- Direct debit chargeback risks rose by an above-average rate from the preceding year in Mönchengladbach/Neuss/Viersen/Erkelenz (postal digit area 41) and Nürnberg/Fürth/Schwaig bei Nürnberg/Zirndorf (postal digit area 90).
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The E-Retail-Report 2009 is available in our [shop] for 250 Euro plus VAT (German MwSt).
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