Security has priority: When paying at the cash register and on the Internet, consumers place particular value on secure processing. In a Forsa survey commissioned by the credit card provider Visa, more than half of the 1035 respondents (57 percent) named security as the most important aspect for them. For one in five (21 percent), the payment process must be convenient, 12 percent put speed first, 7 percent anonymity.
The group of those in need of security is largest in the group of consumers aged 60 and over (71 percent), while conversely in the age group of 18 to 34 year olds the proportion of those for whom convenience when paying is most important (31 percent).
More than 80 percent of people in this country consider their data to be “very secure” or “rather secure” when paying at the cash register when they insert the payment card into the terminal. 75 percent say that about contactless payment. Payment by smartphone is viewed much more skeptically, with only a good third (37 percent) of those surveyed assuming a high level of data security.
The safest payment methods according to the survey
However, three out of four consumers (76 percent) think that the name of the cardholder is transmitted when card payments are made in shops. One in five also believes that their own address and the list of goods purchased are also transmitted. “No personal data such as the name of the cardholder or the address is stored on the card chip,” explains Visa Germany boss Tobias Czekalla.
From the point of view of those surveyed, the best balance of security and convenience offers the release of payments with fingerprints or a secret number (PIN). According to the survey, consumers judge passwords and one-time codes sent by SMS or email to be very secure, but at the same time only moderately practical.
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