2023 Consumer Payments Survey Report

Understanding consumer behavior is a crucial factor for merchants to succeed. Since eCommerce introduced novel ways to reach global audiences, the merchant who could deliver what the customer wanted earned the largest market share. The consumer experience has taken center stage — those who develop a personalized sales journey and smooth user experience, attract and retain priority clients.

Our new report, co-branded by Sift, dives deep into the data to understand how the way consumers pay online and offline changed in the last 2-3 years.

Questions include:

  • Have you used Buy Now, Pay Later (BNPL) services in the past year? If Yes, how often do you use BNPL services?
  • Have you ever filed a chargeback with your payment provider as a way to get a refund for a purchase?
  • What is your primary concern when using digital payments?
  • What is your preferred method of securing online accounts that house payment information?
  • And more!


Merchant Fraud Journal conducted the survey on 1500 U.S.-based consumers across all demographics in order to gather data on consumer attitudes towards online payment methods. Survey respondents were recruited and verified by Pollfish Survey Systems.

The sample used for the report is 1,500 consumers from across the United States. To achieve high generalization for the U.S. population, differing demographics were selected, with no exclusion due to background characteristics (ethnicity, age, marital status, etc).

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