Non-payment risk

: 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

Non-payment risk

Chargeback ratio in e-retailing declined again from a record low in the preceding year.
E-retailers suffer less from the effects by the financial and economic crisis and from fraud attempts than other e-commerce sectors. Only seven in 10 000 transactions fail.
Using the 3-D Secure technology helps to push down the overall chargeback ratio further.
E-retailing is suffering less from fraud attempts, which benefits both online merchants and consumers.
Non-payment risk was considerably down for direct debits. Only every 55th transation fail (last year: every 34th).
European merchants run the lowest risk of non-payment if their customers come from Germany and use cards for payment. Only two in 10.000 transactions fail.
In comparison to the previous year, "Verified by Visa" is more effective than "MasterCard Secure Code".
Using 3-D Secure is helpful for merchants in any case, as the non-payment risk decreases.
Chargeback ratios are lower and success rates higher for women than for men.
Men are more fraudulent in online retailing than women.
As in the preceding year and as in overall e-commerce, the chargeback ratio is highest in Bremen.
Currently, Saarland is the state which offers the highest payment security in e-retailing.
E-retail merchants can also rely on people from Lower Saxony to pay their debts.
The chargeback ratio does not rise above 0.19% in any German region.