eCommerce Fraud Statistics (2026 Report): Volume by Year

Highlights. For every dollar online fraudsters steal via chargebacks (i.e., canceled payments), merchants lose a total of $4.61.

Worldwide, online vendors lost $56.1 billion to chargeback fraud in 2025.
In 2030, online retailers will lose $228.4 billion to fraud.
98% of online merchants report dealing with at least one type of e-commerce fraud over 12 months.
Losses to business email compromise scams totaled $55.5 billion over 10 years.
Americans will lose $23 billion to synthetic identity fraud by 2030.

Bar Graph: Global eCommerce Fraud Losses in billions from 2021 ($84.5) to 2025 ($117.1) with projections to 2030 ($228.4) 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).

The global cost of e-commerce fraud will total $136.3 billion in 2026.
Merchants will lose $66.5 billion to online payment fraud in 2026.
Online payment fraud losses will total $669.5 billion between 2022 and 2030.
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 $117.1 billion in 2025.
Global losses to e-commerce fraud increased at a compound annual growth rate (CAGR) of 18.1% from 2019 to 2026.
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 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 overall.
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 3.5% of their online revenue to payment fraud in 2025.

Small businesses lost 3.4% of their online revenue, which was less than mid-market (4.5%) but more than large enterprises (3.2%).
North American retailers lost 4.1% of their revenue to payment fraud.
95% of stolen credit cards are accessed remotely; just 5% are physical thefts.

Bar Graph: Global Online Payment Fraud in billions from 2022 ($41.0) to 2025 ($56.1) with projections to 2030 ($131) according to Statista and Merchant Risk Council

Worldwide eCommerce Fraud Statistics

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

First-party misuse affects 33% of online retailers.
Real-time-payment (RTP) fraud impacts 38% of global retailers.
Between 2024 and 2025, e-commerce identity fraud declined 28%, in part due to advancements in device fingerprinting and payment validation.
eCommerce-related identity fraud increased 137% between 2023 and 2024.
Click-and-collect fraud increased by 55% between 2023 and 2024.
64% of merchants report an increase in e-commerce fraud.
10% of online merchants report a decline in e-commerce fraud.

Pie Chart: Online Retail Fraud Incidents YoY Change by share of reporting retailers including 5%-25% more fraud (39%) 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 $47.5 billion to fraud in 2025.
In 2025, an estimated 57.6% of U.S. e-commerce fraud originates domestically.
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 2025 ($479) with projections to 2030 ($909) 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.
24% 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 2030 ($176) according to Federal Trade Commission

Return Fraud Statistics

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

41% 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 originate 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 the 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.
36% of retailers experienced chargeback fraud in 2025.
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 2026 will total an estimated $11.1 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 2025 ($4.61) with projections to 2030 ($6.44) 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 104.3 million packages in 2025 with a total value of $14.9 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 was up 6.31% year-over-year (YoY) in 2025; meanwhile, 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 31,675 incidents of online identity theft to the FBI in 2025.

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 $1,127 per online phishing incident on average.
The Federal Bureau of Investigation received 191,561 reports of phishing or phishing attempts in 2025, making it the most-reported internet crime.
U.S. consumers lost a total of $215.8 million to phishing attacks in 2025.

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 on consumers’ e-commerce accounts.
The most common targets for ATO are social media accounts (51% of attacks).
Personal data breaches cost U.S. consumers $1.31 billion in 2025.
Business email compromise costs an average of $123,005 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 in 2025.
Canada has seen the largest increase in 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 2026, 15% of online retailers report triangulation fraud, down from 17% in 2025.
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.
13% of global retailers report money laundering scams.

Internet Crime Statistics

U.S. losses to internet crime in general will surpass $28.1 billion in 2026.

Internet crime losses as reported to the Federal Bureau of Investigation increase at a CAGR of 33.9%.
Alaska residents suffer the highest rate of internet crime; 0.43% of Alaskans complained of online scams in 2025.
Among consumer-reported internet crimes, 79.5% 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 an increase in fraud cases between 2023 and 2024.

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

eCommerce Fraud Statistics