#Japan #Tokyo #online shopping #YTGATE #Payment Errors

Survey on Credit Card Payment Failures

In a recent investigation conducted by YTGATE, a Tokyo-based payment consulting firm, a staggering 30% of online shoppers aged 20 to 60 reported encountering credit card payment failures within the last three months. This finding sheds light on a significant issue affecting both consumer experiences and the retail landscape as a whole.

Survey Overview

The survey took place on May 14, 2025, and included 302 respondents from various regions across Japan. YTGATE conducted the study to grasp the impact of payment errors on user behavior and online shopping experiences. The data collected reveal troubling trends in the online shopping ecosystem.

Key Findings

• - Prevalence of Payment Errors: About 30% of participants (approximately 89 individuals) experienced credit card payment failures within the past three months.
• - Frequency of Failures: Among those who faced errors, 87% encountered issues only 1 to 3 times, indicating that frequent failures are comparatively rare.
• - Lack of Clarity on Failures: Nearly 50% of respondents who faced payment failures reported having no clear reason explained for the error.
• - Continued Purchases versus Abandonment: Of the individuals who encountered payment issues, about 29% opted to continue their purchases through alternative methods, whereas around 8.6% abandoned their purchases or turned to other sites.
• - Emotional Impact: The survey revealed that approximately 29% of users felt frustrated or angry due to failed transactions, with about 5.6% considering abandoning the brand or shopping site.

These results clearly illustrate that payment failures can lead to lost sales opportunities, brand disengagement, and heightened user dissatisfaction. In response, e-commerce platforms and payment providers are urged to enhance transparency regarding the reasons for transaction failures and to guide users toward alternative payment solutions, thereby minimizing negative experiences.

Detailed Survey Questions

1. Have you experienced a credit card payment failure while shopping online in the last three months? (Single Answer)
2. How many times did the credit card payment fail? (Single Answer)
3. Did you understand the reason for the payment failure? (Multiple Answers)
4. What actions did you take after the payment failure? (Multiple Answers)
5. What percentage of the time did you abandon your purchase or switch to another site after a payment failure? (Single Answer)
6. How did you feel during a payment failure? (Multiple Answers)
7. Select the emotion that best describes your feelings during a payment failure. (Multiple Answers)

Context and Implications

The rise in credit card fraud in Japan has been alarming, with losses tripling from ¥14 billion in 2016 to a staggering ¥55.5 billion by 2024. Fraudsters often exploit stolen credit card numbers, particularly within e-commerce transactions. Given that traditional credit card verification methods—simply requiring card number, expiration date, and security code—are susceptible to data breaches, the risk of fraud is escalating.

In light of these challenges, the adoption of enhanced security measures, such as the obligatory implementation of EMV 3D Secure as of March 2025, aims to strengthen the transaction process. However, the increase in authentication steps can inadvertently lead to higher rates of payment failures.

Moreover, as liability for fraud losses shifts from merchants to card issuers for those adopting 3D Secure technology, credit card companies have become more cautious. They now often decline transactions that seem even slightly suspicious, leading to increased approval rates for legitimate transactions. E-commerce providers thus face a complex web of challenges associated with fraud prevention, improving authorization rates, and minimizing cart abandonment.

This survey illustrates that payment errors are more than just minor hiccups; they substantially affect consumer purchasing behavior and trust in e-commerce platforms. In response, YTGATE is offering affordable, easy-to-implement SaaS solutions designed to support businesses in both fraud prevention and conversion rate improvement.

By deepening our analysis of the causes and consequences of payment errors through this research, YTGATE aims to enhance awareness among consumers regarding fraud prevention and improve the overall online shopping experience.

Should you wish to cite this survey, please reference: "YTGATE ‘Consumer Survey on Credit Card Payment Errors in Online Shopping 2025’ conducted."

Contact Information

For inquiries related to services or payment errors: Contact Us

For media inquiries, reach out to:
YTGATE Public Relations: Umemura
Email: Inquiry＠ytgate.jp

Company Overview

• - Company Name: YTGATE
• - Website: YTGATE
• - CEO: Yutaro Takahashi
• - Headquarters: Grandir Ginza East 5F, 1-8-2 Shintomi, Chuo-ku, Tokyo
• - Established: October 2, 2023
• - Business Focus: Payment consultancy, improving approval rates, and SaaS solutions for payment optimization.

At YTGATE, our mission is to optimize payments and connect the world by improving transaction approval rates and providing integrated solutions for credit card merchants in Japan and abroad. We aim to build an efficient payment infrastructure that smooths the business and everyday lives, thus enabling seamless transactions.