eCommerce Fraud Statistics (2025 Report): Volume by Year

Highlights. The global cost of e-commerce fraud will total $138.56 billion in 2025.

In 2029, online retailers will lose a projected $225.86 billion to fraud.
Merchants will lose $52.84 billion to online payment fraud in 2025.
First-party misuse affects 33% of online retailers.
Real-time-payment (RTP) fraud impacts 45% of global retailers.
Online payment fraud losses will total $521.08 billion between 2022 and 2029.

Bar Graph: Global eCommerce Fraud Losses in billions from 2021 ($99.82) to 2024 ($115.3) with projections to 2029 ($204.3) according to Statista and Merchant Risk Council

eCommerce Fraud Losses

Recorded losses to e-commerce fraud don’t generally include indirect costs (ex. labor, fraud-fighting programs).

eCommerce fraud in North America increased 207% between the first fiscal quarter of 2024 (Q1) and 2025 Q1.
Retailers ultimately lose $4.61 for every dollar of e-commerce fraud.
Merchant e-commerce fraud losses totaled $115.32 billion in 2024.
Global losses to e-commerce fraud increase at a compounded annual growth rate (CAGR) of 27.4%.
12% of online retailers lost over $30 million each to ecommerce fraud in 2024.
25% of online merchants lost $5 million or less to e-commerce fraud; 30% of online merchants lost between $5 million and $10 million.

Pie Chart: Cost of Froud to Online Merchants 2024 by company revenue according to Statista

Consumer Losses to eCommerce Fraud

Shopping scams are the most-reported type of online consumer fraud.

Online shopping scams are the second-most reported type of consumer fraud.
Consumers reported total losses of $432 million to online shopping scams in 2024.
The median loss to consumers per reported incident of online shopping fraud (including fake reviews) is $130.

eCommerce Payment Fraud Losses

Global retailers lost 3.2% of their online revenue to payment fraud in 2024.

Small businesses lost 3.4% of their online revenue, which was slightly more than mid-market (3.2%) and large enterprises (3.3%).
North American retailers lost 3.6% of their revenue to payment fraud.
92% of stolen credit cards are accessed remotely; just 8% are physical thefts.

Bar Graph: Global Online Payment Fraud in billions from 2022 ($41.0) to 2024 ($44.3) with projections to 2029 ($107) according to Statista and Merchant Risk Council

Worldwide eCommerce Fraud Statistics

Most online retailers report a rise in e-commerce fraud.

eCommerce-related identity fraud increased 137% between 2023 and 2024.
Click and collect fraud increased 55% between 2023 and 2024.
62% of merchants report an increase in e-commerce fraud.
Nine percent of online merchants report a decline in e-commerce fraud.

Pie Chart: Online Retail Fraud Incidents YoY Change by share of reporting retailers including 0%-25% more fraud (39.6%) and others according to Merchant Risk Council

U.S. eCommerce Fraud Statistics

Most e-commerce fraud is domestic but a growing share is international crime.

Online retailers in the U.S. will lose approximately $53.82 billion to fraud in 2024.
In 2025, an estimated 57.8% of U.S. e-commerce fraud originates within the country.
Online shopping fraud represented 14.7% of all fraud reported to the Federal Trade Commission in 2024.

Bar Graph: U.S. Consumer Losses to Online Shopping Fraud in millions from 2019 ($136) to 2024 ($432) with projections to 2029 ($1,326) according to Federal Trade Commission

Loyalty & Gift Card Fraud

Scammers frequently make use of gift cards as a means to quickly transfer money without supplying bank account information.

31% of online fraud attempts worldwide are categorized as loyalty fraud.
28% of online retailers report incidents of loyalty fraud.
48.3% of U.S. retailers identify loyalty program fraud as a major security threat.
Gift card fraud losses in the U.S. totaled $217 million in 2023.

Bar Graph: eCommerce Gift Card Fraud Losses in millions from 2019 ($103) to 2024 ($212) with projections to 2029 ($449) according to Federal Trade Commission

Return Fraud Statistics

The most common type of fraudulent request for refund (a.k.a. return fraud) is when the perpetrator orders an item and claims it was never delivered, thereby receiving a refund.

47% of global retailers deal with return policy abuse, making it the most common type of fraud among merchants.
Out of every $100 in returns, retailers lose about $5.90 to fraud.
In one survey, over 30% of shoppers admitted they’ve returned an item due to buyer’s remorse.
At the point of transaction, 18% of e-commerce fraud losses are from return fraud.

Pie Chart: Share of Fraud Losses At Points of Transaction including Chargeback fraud (29%), Synthetic identity (29%) and others according to Statista

Chargeback Fraud Statistics

Chargeback fraud, also called friendly fraud, is most likely to be unintentional, such as cases when a friend or partner uses one’s card without their knowledge.

Every $100 in disputed e-commerce transactions costs merchants $35.
39% of retailers experienced chargeback fraud in 2024.
About 28% of e-commerce fraud losses are due to chargeback fraud (friendly fraud).
At the point of transaction, 29% of e-commerce fraud losses are due to chargeback fraud.
Global chargebacks in 2025 will total an estimated $9.40 billion.
Between 2023 and 2026, global chargebacks will total $37 billion.
Global chargeback volumes will grow 42% between 2023 and 2026.

Bar Graph: Cost to Retailers Per Dollar Lost to Fraud from 2019 ($3.13) to 2024 ($4.30) with projections to 2029 ($6.03) according to Statista

Lost or Stolen Merchandise Statistics

Merchandise can be lost or stolen at any point between the warehouse and the final delivery.

About 14% of U.S. e-commerce fraud losses are from lost or stolen merchandise.
Porch pirates stole 120.5 million packages in 2023 with a total value of $16 billion.
The United Kingdom’s National Vehicle Crime Intelligence Service reported a 66% increase in freight-related crime in 2023.

Bar Graph: Fastest Growing Fraud Rates by Industry (year-over-year change) including Online media (180%), Banking & insurance (162%) and others according to Sumsub

Identity Fraud Statistics

Identity fraud in general is up 6.31% year-over-year (YoY) while synthetic identity fraud is a significant issue for online retailers.

In the U.S., synthetic identity fraud grew 311% from Q1 2024 to Q1 2025.
At the point of transaction, 29% of e-commerce fraud loss is due to synthetic identity fraud.
Consumers reported 21,403 incidents of online identity theft to the FBI in 2024.

Phishing Statistics

Phishing involves a perpetrator posing as another individual or entity; this may include synthetic identity fraud and often results in ATO.

Consumers lose $362 per online phishing incident.
The Federal Bureau of Investigation received 193,407 reports of phishing or phishing attempts in 2024, making it the most-reported internet crime.
U.S. consumers lost a total of $70.0 million to phishing attacks in 2024.

Account Takeover Fraud

ATO usually involves a perpetrator logging in to a victim’s digital account to extract payment information, such as a saved credit card number.

22% of consumers have fallen victim to an account takeover (ATO).
8% of ATO attacks are consumers’ e-commerce accounts.
The most common targets for ATO are social media accounts (51% of attacks).
Personal data breaches cost U.S. consumers $1.453 billion in 2024.
Business email compromise costs an average of $126,000 per incident.

AI-Enabled Fraud

Generative AI is increasingly used to create false identities, including official-looking passports and government IDs.

Globally, deepfake fraud, such as the kind used to bypass facial recognition, increased 1,100% YoY.
Canada has seen the largest increase of deepfake fraud instances, up 3,400% YoY.
The United States has seen 700% growth in deepfakes.

Bar Graph: Consumers Complaints of eCommerce Fraud from 2017 (126,387) to 2024 (383,411) as reported to the Federal Trade Commission

Triangulation & Money Laundering

Triangulation schemes involve taking orders from legitimate customers and then purchasing the ordered items with stolen credit cards.

In 2025, 17% of online retailers report triangulation fraud.
The number of e-commerce retailers who faced triangulation schemes spiked to 26% in 2024.
From 2023 to 2024, triangulation fraud incidents increased nine (9) percentage points.
Money laundering is one of the least common types of e-commerce fraud.
14% of global retailers report money laundering scams.

Internet Crime Statistics

U.S. losses to internet crime in general will surpass $22.6 billion in 2025.

Internet crime losses as reported to the Federal Bureau of Investigation increase at a CAGR of 35.3%.
Alaska residents suffer the highest rate of internet crime; 0.91% of Alaskans complained of online scams in 2024.
Among consumer-reported internet crimes, 79.0% include some financial loss.

Online Fraud by Industry

While e-commerce is a frequent target for fraud, other online-based industries are at risk.

Fraud targeting healthtech grew 384% between Q1 2024 and Q1 2025.
Online media fraud increased 180% between 2023 and 2024.
Banking & insurance (+162%) and fintechs (+156%) also saw increased fraud cases between 2023 and 2024.

The Capital One Shopping team compiled these data and insights based on publicly available data.

eCommerce Fraud Statistics