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 46 percent reporting this reason in 2024. The increase in e-commerce sales followed, with over 40 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.
Most common reasons for first party misuse (FPM) increase during e-commerce transactions worldwide in 2024
North America, Europe, Central and South America, APAC
Survey time period
October to November 2024
Number of respondents
674 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.
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Merchant Risk Council. (March 6, 2025). Most common reasons for first party misuse (FPM) increase during e-commerce transactions worldwide in 2024 [Graph]. In Statista. Retrieved May 05, 2025, from https://www.statista.com/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 2024." Chart. March 6, 2025. Statista. Accessed May 05, 2025. https://www.statista.com/statistics/1610953/reasons-for-e-commerce-fmi-increase/
Merchant Risk Council. (2025). Most common reasons for first party misuse (FPM) increase during e-commerce transactions worldwide in 2024. Statista. Statista Inc.. Accessed: May 05, 2025. https://www.statista.com/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 2024." Statista, Statista Inc., 6 Mar 2025, https://www.statista.com/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 2024 Statista, https://www.statista.com/statistics/1610953/reasons-for-e-commerce-fmi-increase/ (last visited May 05, 2025)
Most common reasons for first party misuse (FPM) increase during e-commerce transactions worldwide in 2024 [Graph], Merchant Risk Council, March 6, 2025. [Online]. Available: https://www.statista.com/statistics/1610953/reasons-for-e-commerce-fmi-increase/
