2009年12月16日星期三

Pago eTransaction Services - British e-commerce actual altered from abroad in Europe

Based on absolute activity acquirement transactions, the Pago Report 2008 highlights civic differences in chump and transaction behaviour in European e-commerce

Cologne, 30 July 2008 – British online merchants are added alluring added all-embracing consumers. Whereas consumers from Germany accomplish up over 95% of custom in German online shops, alone 45% of barter in UK shops are from the UK. Nearly one third of all-embracing barter axis from countries alfresco Europe, like the USA or Asia. The Pago Report 2008 has just been appear by Pago eTransaction Services, the all-embracing Acquirer and Payment Service Provider. This, the seventh copy of this admired report, advantaged “Trends in E-commerce Purchasing and Payment Behaviour based on absolute Transactions”, analyses developments in European online chump and transaction behaviour, non-payment risks and trends in important e-commerce industry sectors. Essays by arresting experts from the above acclaim agenda organisations, the Deutsche Bank, giropay and the University of Karlsruhe annular off the Pago Report 2008. More advice is accessible at www.ecommerce-report.de.

According to the Pago Report 2008, online shops in the UK are added adorable to adopted consumers than are, for example, German online merchants. In German shops beneath than 5% of online purchases are fabricated by all-embracing consumers and alone a negligible 0.8% from alfresco Europe. This could be a aftereffect of the accent barrier. In adverse to German, English is the a lot of boundless accent in the apple and with over 340 actor built-in speakers abandoned and it is accepted by a majority of e-commerce consumers. Overall in Europe, German and British online consumers are the a lot of breath e-commerce participants but Irish consumers accept acquired a lot and now rank fourth in Europe abaft French consumers.

“E-commerce is still a atramentous box for many. The Pago Report attempts to afford ablaze on the matter,” said Dr. Markus Weber, Pago eTransaction Services GmbH’s Managing Director, adding: “In adverse to all added studies which are based on polls, the Pago Report is unique. We analyse absolute activity acquirement affairs candy by bags of European merchants through the Pago platform. This gives a accurate account of e-commerce which is not alone absorbing for experts and advisers but aswell provides European merchants admired advice to abetment in their access into this able market.”

Selection of about 30 actor acquirement affairs forms base of the Pago Report 2008

The Pago Report 2008 is based on a alternative of about 30 actor acquirement affairs candy through the Pago belvedere amid October 2006 and September 2007. The address is based on absolute activity acquirement transaction and not on appraisal of acclamation and surveys. The Pago Report covers online merchants in Germany, the UK and the blow of Europe. The address analyses chump origin, merchant country, transaction values, acquirement time, chump gender, transaction methods - including the new online transaction methods Maestro and giropay – success rates, chargeback ratios, absolute debit chargeback ratios as able-bodied as the accepted non-payment accident with a abundant attending at the accomplishing of 3-D Secure. 3-D Secure is a action alien by the above acclaim agenda organisations which allows the identification of the cardholder thereby preventing a ample admeasurement of e-commerce chargebacks. The chargeback arrangement is the allotment of acclaim agenda affairs which are antipodal due to cardholder dispute.

No absolute Christmas arcade division in UK e-commerce

Online chump behaviour in Europe is characterized by differences amid alone countries. Whereas German online consumers accomplish about one third of their purchases amid October and December, UK consumers do beneath than 10%. In essence: E-commerce for British consumers takes abode alone amid May and September.

British e-commerce chump arrest at weekends

Whereas e-commerce is acceptable a added adorable weekend action for consumers in Europe generally, there is a apparent slump of action by UK consumers at weekends. In adverse to all-around trends, UK weekend online chump action has alone further. Only 20% of all account affairs are accomplished in the UK on Saturdays or Sundays. In comparison, consumers alfresco the UK and Germany anniversary for 26% of their purchases over the weekends.

UK online consumers do their arcade during appointment hours

According to the Pago Report 2008, there are aswell differences in the adopted time for online purchases: German consumers use the aeon from 8pm to 10pm, i.e. afterwards work, a lot of admitting the aiguille aeon in the UK is amid 2pm and 4pm, i.e. during alive hours.

The acclaim agenda dominates European e-commerce

The Pago Report aswell begin differences in transaction behaviour amid the consumers’ countries of origin. Whereas German consumers still pay for two out of three purchases with transaction methods added than the acclaim card, consumers in UK and from the blow of Europe and Non-European barter use acclaim agenda transaction for over 90% of their online purchases. As the aboriginal non-UK acquirer, Pago has offered Maestro back the summer of 2006, the internet enabled debit agenda transaction method, to its merchants. Maestro is already a arch transaction adjustment in the UK and will accretion accent with the addition of the European-wide SEPA framework. Maestro payments, analysed alone in this year’s Pago Report for the aboriginal time, anniversary for about 10% of online purchases in the UK.

The approaching success of the SEPA Direct Debit Scheme (SDD) still charcoal incalculable. As a individual European acknowledged framework is required, the European Directive needs to be adapted into civic legislation by November 2009 afore SDD can be alien throughout Europe.

New transaction methods accretion accent in European e-commerce

Until now, the appraisal of chump e-commerce action was bound to European countries. The Pago Report 2008 has continued its appraisal to cover Non-European countries and alone continents. And for the aboriginal time the address looks at European chump behaviour based on time of day. Due to differing time zones, alone German consumers could be appropriately advised previously. Insofar the Pago Report is demography into anniversary the harmonisation of the Single European Payment Area (SEPA). Beyond Maestro, for the aboriginal time the 2008 Report aswell looks added carefully at giropay, the new civic online funds alteration adjustment alien by the German cyberbanking system. Analysis of these two new transaction methods reveals their growing importance.

The Pago Report 2008 is accessible anon at a amount of €500 (plus GST) from the Pago Shop (www.pago.de/shop). More advice can aswell be begin at www.ecommerce-report.de and at www.pago-international.com.

Note: Media assembly can access the Pago Report 2008, aloft request, chargeless of charge. Please acquaintance one of the bodies abundant below if you ambition to use the address for your work.

Press contact:

Pago eTransaction Services GmbH
Tobias F. Hauptvogel
Principal Marketing & Corporate Communications
Kaltenbornweg 1-3
50679 Cologne, Germany
Tel.+49 (0)221 3208 728
Fax.+49 (0)221 3208 8728
E-Mail:presse@pago.de

dreimarketing GmbH
Gernot Speck
Pinienstr. 2
40233 Düsseldorf, Germany
Tel.+49 (0)211 984946 52
Fax.+49 (0)211 984946 53
E-Mail:pago@dreimarketing.de

About Pago eTransaction Services GmbH:
Pago eTransaction Services GmbH (Cologne, Germany) is an all-embracing Acquirer & Payment Service Provider enabling its audience to accept payments for their appurtenances and casework deeply and bound through cyberbanking channels. Because of the different affiliation of agenda accepting and transaction processing, Pago gives businesses of all sizes acceptance to all internationally and nationally important transaction methods. These cover acclaim and debit agenda payments systems from Visa, MasterCard, Maestro, American Express, Diners Club and JCB as able-bodied as locally acclimated absolute debit methods and giropay. In accession to approved and activated transaction processing and accident administration services, Pago aswell offers admired business administering casework -such as debtor administration and added services, which accredit online merchants to ascendancy and bigger defended their transaction processing.
Pago was founded in 1999 and is a Deutsche Bank and BHS Verwaltungs AG company, alms its casework anon and through a all-around accomplice network. Clients cover internet, mail adjustment and bricks-and-mortar merchants from all industry sectors -from retailers to telecommunications to the biking industry. Pago solutions and casework are now implemented in over 6,000 European online-shops and affairs from about 8,000 terminals are candy through the Pago Platform (January 2008).
For added advice amuse go to www.pago-international.com

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