Checkout Payment Statistics: Methods, Declines and Abandonment

What shoppers say when a payment sends them away

Trust, a missing payment option and a declined card point to different fixes. Baymard asked shoppers about abandoning carts. Its separate checkout benchmark looked at how sites present payment choices and respond to errors. The survey tells you what shoppers remember. The site benchmark tells you what teams can inspect.

What payment problems do shoppers give for abandoning a cart?

In Baymard's US research, 19% reported distrusting the site with their card details, 10% reported a declined credit card and 9% reported too few payment methods. Trust was 10 percentage points ahead of limited choice in the same published breakdown.

US online shoppers in Baymard's abandonment research. Public analysis updated October 2026. Zobi calculation: 19% − 9% = 10 percentage points. The reason percentages can overlap. They are self-reports, without a denominator of payment attempts or a processor log.

Baymard Institute, reasons for abandoning a cart · Baymard Institute, card trust · Baymard Institute, declined credit card · Baymard Institute, too few methods · Link to this statistic

How common are problems with the way sites offer payment methods?

Baymard found issues with offering payment options on 21% of sites in its ecommerce UX benchmark.

Sites in Baymard's ecommerce UX benchmark. Public analysis published June 2026. This is a site observation. It cannot establish what share of that site's shoppers abandoned checkout.

Baymard Institute, payment option presentation · Link to this statistic

How often does a validation error make shoppers enter details again?

Baymard reported that 34% of sites failed to retain entered data after a validation error.

Sites in Baymard's ecommerce UX benchmark. Public analysis published June 2026. The figure describes how sites handled validation errors. It gives no rate of errors or shopper abandonment.

Baymard Institute, validation errors · Link to this statistic

What people pay with online

Payment diaries show methods people actually used. A euro-area average gives a starting point, then the country figures show where it can mislead. The US debit network data answers a narrower question about where debit spending happens, including payments away from physical terminals.

What share of online payments are cards and e-payment solutions in the euro area?

In the ECB's 2024 euro-area diary, cards accounted for 48% of online payments and e-payment solutions accounted for 29%, a 19-point gap by transaction count.

Euro-area consumers in the ECB SPACE 2024 study. 2024. Zobi calculation: 48% − 29% = 19 percentage points. The ECB counts debit, credit and prepaid cards as cards. E-payment solutions include wallets, PayPal, other mobile apps and iDEAL in the Netherlands. Recurring bills and orders paid in person sit outside this online mix.

ECB SPACE, Chart 10 payment instrument shares · ECB SPACE, Chart 10 payment category definitions · Link to this statistic

Has the share of online payments made by card fallen in the euro area?

Yes. Cards accounted for 54% of euro-area online payments in 2019, 51% in 2022 and 48% in 2024. The 2024 share was 6 percentage points below 2019.

Euro-area consumers in ECB SPACE. 2019, 2022 and 2024. Zobi calculation: 54% − 48% = 6 percentage points. The finding tracks share. The number of online payments also changed, so the lower share cannot establish a drop in card transaction volume.

ECB SPACE, Chart 10 payment instrument shares · Link to this statistic

How much does e-payment use vary across the euro area?

The ECB recorded e-payment solutions for 76% of online payments in the Netherlands, 46% in Germany and 33% in Portugal in 2024. The Dutch share was 30 points higher than Germany's and 43 points higher than Portugal's.

Euro-area consumers in the ECB SPACE 2024 study. 2024. Zobi calculation: 76 − 46 = 30; 76 − 33 = 43 percentage points. The ECB uses a broad category, including iDEAL in the Netherlands. The country shares cannot tell a merchant which individual wallet will convert best.

ECB SPACE, Chart 11 shares by country · ECB SPACE, Chart 10 payment category definitions · Link to this statistic

How often are online payments over €50 compared with in-person payments?

In the ECB's 2024 diary, 30% of euro-area online payments exceeded €50, compared with 12% of in-person payments. The online share was 2.5 times the in-person share.

Euro-area consumers in the ECB SPACE 2024 study. 2024. Zobi calculation: 30 ÷ 12 = 2.5. The chart includes peer-to-peer payments in both channels. Treat it as a payment-size comparison, without reading it as an average ecommerce order value.

ECB SPACE, Chart 12 online and point-of-sale value · ECB SPACE, Chart 12 peer-to-peer scope · Link to this statistic

What share of US debit payments are card-not-present?

Card-not-present transactions made up 34.37% of the count and 47.52% of the value in the Fed's 2023 debit and prepaid network table. The share by value was 13.15 points higher.

US debit and general-use prepaid transactions reported by payment card networks to the Federal Reserve. 2023. Zobi calculation: 100 × (2213.79 ÷ 4658.42 − 34.61 ÷ 100.70) = 13.15 percentage points after rounding. Card-not-present includes remote channels beyond web checkout. The table cannot measure attempted checkouts or declines.

Federal Reserve, Table 2 all transactions · Federal Reserve, Table 2 card-not-present transactions · Link to this statistic

Were card-not-present debit payments larger within each network type?

In the Fed's 2023 data, card-not-present debit and prepaid payments averaged $32.36 more than card-present payments on dual-message networks and $4.67 more on single-message networks.

US debit and general-use prepaid transactions reported by payment card networks to the Federal Reserve. 2023. Zobi calculation: $65.09 − $32.73 = $32.36; $48.01 − $43.34 = $4.67. These are transaction averages. They cannot establish that paying remotely causes a larger order.

Federal Reserve, Table 2 dual-message networks · Federal Reserve, Table 2 single-message networks · Link to this statistic

When an extra method helps

Stripe tested the same practical choice many merchants face: show a relevant extra method or leave it out. A holdback compares what happened when eligible shoppers saw different options. The market examples are a reason to test the methods your shoppers know, starting with a consistent checkout experience for returning visitors.

Does showing another payment method improve checkout conversion?

Stripe reported 7.4% higher conversion and 12% higher revenue on average when its experiment dynamically showed at least one additional relevant payment method beyond cards.

Eligible businesses and checkouts in Stripe's Optimized Checkout Suite experiment. Experiment results published April 2025. Stripe measured an average across its eligible experiment. Results for a specific store depend on the shopper, method and mix of orders.

Stripe checkout experiment, aggregate results · Stripe checkout experiment, randomization method · Link to this statistic

How much did conversion lift vary across Stripe's market examples?

Across six examples Stripe chose to report, relative conversion lift ranged from 5% for Cash App in US digital games to 91% for Alipay in China. The examples span 86 percentage points of relative lift.

Six payment method, country and industry examples selected by Stripe. Experiment results published April 2025. Zobi calculation: Maximum 91% − minimum 5% = 86 points across reported relative lifts. These examples have different eligibility and shopper mixes. The range describes the six reported results and should not be used to rank providers or predict a new rollout.

Stripe checkout experiment, six market examples · Stripe checkout experiment, randomization method · Link to this statistic

Can a payment option change revenue and conversion by different amounts?

Yes. Stripe reported 13% relative revenue lift and 3% relative conversion lift when Revolut Pay was offered to eligible checkouts. That's a 10-point difference between the reported lifts.

Eligible businesses and checkouts in Stripe's Optimized Checkout Suite experiment. Experiment results published April 2025. Zobi calculation: 13% − 3% = 10 points between relative lifts. The two estimates measure different outcomes. Their gap cannot establish an average order value effect or explain why revenue moved.

Stripe checkout experiment, digital wallet results · Stripe checkout experiment, randomization method · Link to this statistic

Where a payment actually fails

Start with the last step the shopper reached. If they never submitted payment, check the visible options and form. If the attempt stopped during authentication, look at that step before you look for an issuer response. Record issuer declines and completed orders separately. If a shopper replies to a recovery message, ask which step stopped them and point them back to the secure checkout. Keep payment credentials out of the conversation.

What online payment difficulty do European consumers report most often?

Across the euro area, 79% of respondents reported no online payment issues in ECB SPACE 2024. Entering payment information was the most commonly reported type of difficulty, cited by 7% of respondents.

Respondents answering the ECB's online payment difficulties questions. 2024. Respondents could name multiple difficulties. The source reports shopper experiences, without a transaction-level failure rate.

ECB SPACE, Box 2 technical difficulties · Link to this statistic

How do European consumers say they prefer to authenticate online payments?

In ECB SPACE 2024, 50% preferred credentials with an additional authentication step, compared with 24% who preferred credentials alone and 22% who chose biometrics. The first two options were 26 points apart.

Euro-area consumers in the ECB SPACE 2024 study. 2024. Zobi calculation: 50% − 24% = 26 percentage points. These are stated preferences. The result cannot establish the conversion effect of adding or removing an authentication step.

ECB SPACE, Box 3 authentication preferences · ECB SPACE, Box 3 alternate authentication options · Link to this statistic

What should you count before reporting a payment failure rate?

Stripe's payment-success measure uses submitted payment attempts. It can include failed 3D Secure, processor blocks and issuer declines. Its raw reporting also counts retries of the same purchase. A shopper who left before submitting payment is outside that payment-attempt denominator.

Payment attempts in Stripe Acceptance. Current Stripe documentation. Record whether the denominator is raw or deduplicated and keep it separate from checkout starts. Stripe's definitions do not supply a typical merchant decline rate.

Stripe, stages counted in payment success · Stripe, how raw rates count retries · Link to this statistic

How to use the comparisons

If shoppers leave before submitting payment, first check whether they can see a method they can use. Once they submit, separate validation, authentication, provider blocks and issuer responses. Track completed orders on their own. If you test a new option, choose a market and compare eligible sessions with a stable holdback.

Sources, definitions and downloads

Baymard supplies US shopper self-reports and a separate ecommerce checkout benchmark. The ECB records payment methods in a diary and asks separate questions about difficulty and authentication. Federal Reserve data covers US debit and general-use prepaid transactions. Stripe reports a randomized checkout experiment and provides definitions for payment reporting. Calculated comparisons use the published figures and preserve each source’s denominator.

Download the statistics and sources.

Sources and measurement context

Publisher disclosure

Zobi publishes this research and provides shopper conversation services for Shopify stores.