Security vs. convenience in the payment experience: What matters most to online shoppers?

We surveyed 4,000 customers across the UK, France, Germany and Spain about their attitudes to security and convenience when shopping online.


security vs convenience

Strong Customer Authentication (SCA) is a European-wide requirement that will come into force on 14 September 2019, as part of PSD2. For many online businesses, this will require implementing specific additional security measures during online purchases.

But to what extent will consumers embrace these changes or reject them in the form of abandoning a transaction? In short, what matters the most to customers, security or convenience?

We surveyed 4,000 customers across the UK, France, Germany and Spain about their attitudes to security and convenience when shopping online.

Download the full survey results and get answers to:

  • Do shoppers prioritise security or convenience?
  • Would they shop less at brands that have complex security processes?
  • How do they feel about certain methods of authorisation?
  • Have they ever abandoned purchases with lengthy security procedures before?
  • Fill in your details below and download your free copy:







    When you share your details here, as you’d expect we’ll use them to stay in touch. We may email or call you from time to time to suggest other content we think you’ll like or to tell you about our services. You can always opt out by clicking ‘unsubscribe’ in any email or by informing the caller. Read our privacy notice to learn more.

    ‹ View all tips

    Latest features

    How to fix the 10 biggest mistakes with your terms and conditions of sale

    Before you undertake business with a customer, you should establish the T&Cs of sale. Here are the 10 biggest mistakes made and how to fix them.

    The Global Recurring Payments Tracker: July 2019 edition

    The Global Recurring Payments Tracker, a collaboration with PYMNTS.com, is your monthly resource for tackling the complexities and challenges of the international recurring payments space.

    Strong Customer Authentication (SCA): The complete downloadable guide

    The in-depth guide to Strong Customer Authentication (SCA), including what the new requirements mean for businesses with recurring revenue and key exemptions you can leverage.

    View all


    Reference guides

    View all