North America, Europe, Central and South America, APAC
Survey time period
November to December 2025
Number of respondents
1,200 merchants involved in e-commerce payment and fraud management
Special properties
Fraud and payment professionals
Supplementary notes
The study included retailers in North America, Europe, Asia-Pacific and Latin America based in 38 countries.
The source breaks down the size of online businesses as follows: - SMB (50,000 to less than 5 million U.S. dollars) - Mid-Market (5 million to less than 50 million U.S. dollars) - Enterprise (50 million U.S. dollars or more)
The source reported the years based on the report release date, not on the year when the survey was conducted.
Citation formats
Main causes of e-commerce first party misuse increase worldwide 2025
According to a global survey of e-commerce merchants, consumers learning how to "game the system" was the most common reason for first party misuse (FPM) increase, with ** percent reporting this reason in 2024. The increase in e-commerce sales followed, with over ** percent of fraud and payment professionals mentioning this as a driving factor of the FPM increase. During the same year, refund/policy abuse was the most common type of fraud.
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Merchant Risk Council. (June 30, 2026). Most common reasons for first party misuse (FPM) increase during e-commerce transactions worldwide in 2025 [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved July 20, 2026, from /statistics/1610953/reasons-for-e-commerce-fmi-increase/
Merchant Risk Council. "Most common reasons for first party misuse (FPM) increase during e-commerce transactions worldwide in 2025." Chart. June 30, 2026. ÌÇÐÄÆƽâ°æ. Accessed July 20, 2026. /statistics/1610953/reasons-for-e-commerce-fmi-increase/
Merchant Risk Council. (2026). Most common reasons for first party misuse (FPM) increase during e-commerce transactions worldwide in 2025. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: July 20, 2026. /statistics/1610953/reasons-for-e-commerce-fmi-increase/
Merchant Risk Council. "Most Common Reasons for First Party Misuse (Fpm) Increase during E-commerce Transactions Worldwide in 2025." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 30 Jun 2026, /statistics/1610953/reasons-for-e-commerce-fmi-increase/
Merchant Risk Council, Most common reasons for first party misuse (FPM) increase during e-commerce transactions worldwide in 2025 ÌÇÐÄÆƽâ°æ, /statistics/1610953/reasons-for-e-commerce-fmi-increase/ (last visited July 20, 2026)
Most common reasons for first party misuse (FPM) increase during e-commerce transactions worldwide in 2025 [Graph], Merchant Risk Council, June 30, 2026. [Online]. Available: /statistics/1610953/reasons-for-e-commerce-fmi-increase/
