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 - 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
- Due to a rising number of e-commerce shoppers and the effects of the financial and economic crisis, the chargeback ratio rose slightly to 0.34%. However, the number of fraud attempts declined.
- Using the security technology 3-D Secure helps to reduce the chargeback ratio by two-thirds.
- Chargebacks result increasingly from logistical and formal mistakes.
- The non-payment risk is particularly high for credit card payments by British consumers.
- Rising transaction values tend to increase the non-payment risk for online merchants almost without exceptions.
- The chargeback ratio was down year-on-year in the high transaction value categories.
- The chargeback ratio is lower for Visa than for MasterCard.
- The chargeback ratio is above the average for MasterCard payments in British shops.
- The security technology 3-D Secure considerably reduces the non-payment risk for both MasterCard and Visa.
- Chargeback ratios for the two credit card brands Visa and MasterCard differ only for men; the values for women are virtually identical.
- The non-payment risk is higher for men than for women in European e-commerce. This applies to both card and direct debit payments.
- The direct debit chargeback ratio declined further and largely hovers slightly below 3%.
- For direct debits, the risk of non-payment is lowest for purchases worth less than EUR 10 or more than EUR 500.
- The difference between the genders is considerably smaller for the chargeback ratio than for the direct debit chargeback ratio.
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