More than 1 in 5 UK consumers admit to claiming refunds on legitimate purchases—are you prepared for the real cost?

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“Friendly fraud” is rising in the UK, with consumers disputing legitimate payments, creating growing challenges for merchants in risk and revenue protection.

What if fraud isn’t always committed by criminals – but by customers themselves? PAYSTRAX’s latest market research into “friendly fraud” in the UK reveals a concerning rise in disputed legitimate transactions, highlighting a growing challenge for merchants.

Our market research shows that 22% of UK consumers have engaged in this behaviour, and even more strikingly, 63% admitted feeling satisfied while knowingly committing it. As consumer behaviour continues to evolve, businesses must rethink how they approach risk management and revenue protection.

Dive into the key statistics and expert insights in the full white paper – https://paystrax.com/wp-content/uploads/2026/03/Friendly-Fraud-PAYSTRAX.pdf

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Article by PAYSTRAX

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