Asian Consumers are the Driving Force in the Shift to Mobile High Risk Merchant Account Payments

This shift to mobile-first payments has begun. For some time, the number of transactions taking place on desktops and laptops have been moving to mobile. In fact, Dutch e-commerce acquirer and processor, Ayden, revealed in its newest report that 34% of browser-based online transactions globally processed originated from mobile devices in Q4 2015; this report was compared to the 30% documented in the previous quarter. Ayden’s report also made the discovery that this increase is being driven by Asia – particularly by the consumers using JCB, UnionPay and Alipay for payments.

According to, “More than 54% of online payments made on Adyen’s platform using Japan-based JCB’s cards are via m-commerce (up from 47 %), while 44% of Alipay online transactions (up from 35%) and 31% of UnionPay online purchases (up from 31 %) are mobile-based.”

Roelant Prins, Chief Commerce Officer of Ayden, shared that mobile payments, both in app and browser-based, are driving the growth of ecommerce. In the words of Prins, “As mobile become the primary way for global shoppers to go online, and payment methods such as JCB see over half of online payments on mobile, the era of a mobile-first approach to payments is upon us.”

Consider the percentage of online mobile payments: iDeal (Netherlands) at 49%, Open Invoice (Scandinavia and Germany) at 47%, Bancontact/Mr Cash (Belgium) at 39% and SEPA Direct Debit (Europe-wide) at 22%.

This shift to mobile payments, and thus card-not-present transactions, has brought with it its own set of problems. For merchants, this means a higher risk for fraud and a higher rate of chargebacks. To avoid such issues, many merchants are turning to high risk providers for their payment processing needs.

A high risk specialist, like EMB, offers high risk merchant accounts to all business types in high risk categories. Merchants are also offered the opportunity to secure Chargeback Protection and Prevention services.  In the event of a chargeback, the merchant is notified so they can act immediately and play a pivotal part in the chargeback process. To learn more about how you can keep chargebacks from chipping away at your bottom line, as more and more payments shift to mobile, inquire after a high risk merchant account today.

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