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The Financial Impact of Fraud

Merchants Challenged as E-commerce Fraud Rises Post-EMV

Published October 2016

This report analyzes the findings of a new independent study that examines how the cost of fraud has significantly increased post-EMV when compared to 2015, and the associated challenges impacting a merchant’s ability to successfully grow their business. Key findings include:

  • Fraud costs merchants more than 7.5% of their annual revenue.

  • False positives account for 2.8% of revenue lost.

  • Fraud and chargeback management consume between 14% and 23% of operational budget.

Download the full report to learn more.

 About Vesta Corporation

Vesta Corporation is the global leader of revenue-generating payment solutions for enterprise partners in the telecommunications, digital goods, media, and financial sectors. The company’s patented fraud protection technology is proven to increase conversion and acceptance while eliminating fraudulent transactions and merchant liability. Vesta has been recognized as a leading innovator in payments technologies, holds multiple patents, and has won numerous awards as one of America’s fastest growing companies. Founded in 1995 and headquartered in Portland, OR, Vesta’s operations span the Americas, Europe and Asia. For more information, visit

 About Javelin Strategy & Research

Javelin Strategy & Research, a Greenwich Associates LLC company, is a research-based consulting firm that advises its clients to make smarter business decisions in a digital financial world. Our analysts offer unbiased, actionable insights and unearth opportunities that help financial institutions, government entities, payment companies, merchants, and other technology providers sustainably increase profits. For more information, visit