In European online retailing, risks of non-payment are lower for women than for men. This is indicated by a lower chargeback ratio, which describes the share of credit card transactions which had to be charged back after the cardholder's rejection. At roughly 0.10%, female consumers' non-payment ratio for online purchases paid for by credit card is only half that of male customers. One year before the opposite was true.

This is one of the results of the Pago Retail Report 2008, which was recently published by Deutsche Card Services, a subsidiary of Deutsche Bank. Despite the predominance of credit cards offline payment methods such as direct debiting still play a more important role in online retailing than in overall e-commerce. The report highlights that 5.04% of retail transactions were paid for by offline methods and 11.97% by direct debiting - much more than in overall e-commerce.

In contrast to other research, this report of "Purchasing and Payment Behaviour in Online Retail" is not based on the analysis of polls and surveys, but on a sample of 7.5 million real-life purchase transactions processed through the Pago platform.

Non-Payment risk in Online Retail in a few words:

*Chargeback ratio remains low in the retail sector
*Risk of non-payment lower for women than for men
*Use of 3-D Secure reduces chargeback ratio
*Lower chargeback ratio for non-european consumers than in the year before