GMO Payment Gateway Releases "payment method Usage Intention Survey FY2025 Edition"
~Operational design of payment based on consumer attributes × psychological factors is directly linked to maximizing sales opportunities and improving customer experience~

The GMO Internet Group, GMO Payment Gateway, Inc. which develops comprehensive payment-related services and finance-related services (TSE Prime Market: Stock Code 3769, President & Chief Executive Officer: Issei Ainoura hereinafter referred to as "GMO-PG"), is committed to providing "payment method in the e-commerce sector as part of its support to maximize sales opportunities for businesses. Intention to Use Survey FY2025 Edition" and released the results on Tuesday, November 25, 2025.
The results of the survey found that the operational design of the payment, which takes into account not only the one-sided indicator of the utilization rate of each payment method, but also psychological factors such as convenience and security, is effective in expanding sales opportunities and improving customer experience.
The results of this survey will be published as a white paper that can help businesses consider the operational design of payment according to their business and customer base.

Download URL:
https://knowledge.gmo-pg.com/ja-jp/form/document/paymentlandscapedata2025

■Summary of survey results

• *1 In this survey, "Amazon Pay" and "Amazon gifts" are presented as the same options.

[Purpose of the survey]

GMO-PG is developing multifaceted measures such as improving approval rates and improving payment UX and operational design by utilizing the abundant data and knowledge accumulated while handling more than 21 trillion yen of Transaction value (^*2) per year. In addition to providing payment services, we help businesses expand their sales opportunities by taking measures to encourage consumer purchasing behavior.
This survey, which covers product sales/service e-commerce, etc., has been conducted annually since 2023, and aims to support business growth by clarifying consumer trends in payment usage and reasons for choosing payment method, thereby supporting businesses in making decisions such as "which payment method should be introduced and operated in what order, in what order, and in what design."
Past research has shown a tendency to abandon purchases when there is no desired payment method, suggesting that optimizing payment adoption is directly linked to sales opportunities for businesses. Based on these findings, this survey takes a more multifaceted view of consumer demographics and psychological factors.

• *2 Consolidated figures as of the end of September 2025

[Survey overview and results (details)]

■Summary of results (excerpt)

1. Usage rate of payment method in e-commerce (Top 10)

●Product sales:

67.3% of "credit cards", 30.4% of "PayPay", 14.9% of "Amazon Pay /Amazon gifts ^(*1)", 11.7% of "CVS Payment", etc.

●Service EC, etc.:

"Credit card" 65.9%, "PayPay" 41.2%, "Rakuten Pay" 16.8%, "Amazon Pay /Amazon Gift ^(*1)" 13.1%, etc.

Based on these results, it is considered effective to use multiple Pay payment and other services according to the user base while focusing on credit cards.

2. payment method Selection Criteria (Overall)

● Top factors:

"Because I want to accumulate points" is the most common, and "because it is easy to use it" and "because it is safe in terms of security" are the top results.

The results show that consumers value both convenience and safety, and that their affinity with the point economy, ease of operation, and safe experience have a significant impact on the choice of payment method they use.

3. Impact of credit card identity authentication (EMV 3-D Secure [3DS]) failure

●Failure experience:

Among the total users who are aware of 3DS, 32.2% of product sales and 38.7% of service e-commerce have experienced failure.

●Action impact:

Among users who failed authentication, 16.6% of product sales and 14.3% of service e-commerce gave up purchasing.

●Impression evaluation:

Nearly half of the users who failed the certification were 48.2% of product sales and 48.8% of service e-commerce, etc., answered that they found the site "inconvenient and difficult to use."

The results show that a mechanism that enhances the convenience of identity authentication, a screen design that makes it easy to retry, and a natural guide to an alternative payment method can prevent churn and loss of experience.

[About downloading the survey report]

The "payment method Intention to Use Survey FY2025 Edition" can be downloaded from the following URL.
Download URL:
https://knowledge.gmo-pg.com/ja-jp/form/document/paymentlandscapedata2025

When quoting or reprinting the results of this survey, please clearly state "Source: GMO Payment Gateway "payment method Usage Intention Survey FY2025 Edition". Please refrain from altering the content.

[About holding seminars explaining the survey results]

Based on the results of this survey, we will hold an online seminar to explain measures against abandoned carts and tips for optimizing operations on e-commerce sites. On the day of the event, in addition to the explanation of consumer insights seen from the survey, detailed data such as "by age group" and "by product" for each product sales, service e-commerce, etc., which could not be fully published in the white paper, will also be released. In addition, we will introduce specific "offensive" payment strategies to prevent the loss of opportunities for "sales that should have been determined" and maximize sales.
For details on the date and time and how to apply, please refer to the "Seminar Overview" below.

■Seminar Overview