Sofinscope – Online payments: security, simplicity and a wide range of options are becoming key drivers to boost e-commerce purchases
As online shopping has become standard practice for nearly all people in France, the payment stage is now a crucial step in the customer journey. According to the latest Sofinscope survey, 83% of people in France may abandon their cart if they do not feel confident when entering their payment details. Security, simplicity and the variety of payment options offered are therefore key levers to reassure consumers and drive conversions.
Online shopping is now fully embedded in the consumption habits of people in France. Nearly all of them report making purchases online (96%), including 71% at least once a month and 21% every week, up 4 points compared to 2025.
This practice is even more established among younger consumers: 31% of those under 35 shop online at least once a week.
If people in France turn to e-commerce, it is primarily for very practical reasons: to benefit from better promotions (51%, +3 pts), save time (48%, +2 pts), or access a wider range of products (43%, +5 pts).
In a context where online purchases are increasing, the payment stage remains a major point of attention. For consumers, it concentrates the most sensitive expectations: data security, clarity of the process, and a sense of control.
A lack of trust can have an immediate impact on the purchase decision: 83% of people in France may abandon a transaction if they do not feel sufficiently reassured when entering their payment details.
The smoothness of the journey is also a key factor. 69% may abandon their purchase if the process involves too many steps, an increase of 6 points compared to 2025. Similarly, 48% may give up if they are required to create an account to complete their order, up 4 points.
Beyond security and simplicity, the payment solutions offered by e-commerce sites have a direct impact on purchase decisions. 86% of people in France consider the availability of multiple payment methods to be important or decisive.
E-wallets, gift cards, debit or credit cards, instalment or deferred payment: this diversity meets a growing demand for flexibility. 19% even see access to more payment methods as an advantage of online shopping, rising to 29% among those under 35.
Payment facilities also appear as an additional lever to support purchasing decisions. 44% of consumers may abandon a purchase if such options are not available, 2 points higher than in 2025. Among those under 35, this expectation is even stronger, 12 points above the national average.
The variety of payment methods and financing solutions offered on e-commerce sites is not secondary. It directly contributes to the smoothness of the journey, to consumer reassurance and, ultimately, to conversion. At Sofinco, we support our e-commerce partners in optimizing this lever by developing solutions that match new usage patterns, are easy to integrate and simplify customer journeys.
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Press contact
Claire Garcia / presse@ca-pfm.com /+33 (0)6 80 41 17 77
About Sofinscope
Sofinscope is Sofinco’s barometer, the commercial brand of Crédit Agricole Personal Finance & Mobility in France. Designed to survey people in France about their consumption habits and better understand them, this barometer—rooted in everyday life—is conducted by OpinionWay for Sofinco on representative samples of the French population.
This study was carried out on a sample of 1,006 individuals, representative of the French population aged 18 and over. The sample was built using quota sampling based on gender, age, socio-professional category, urban area, and region of residence. Interviews were conducted from May 6 to 7, 2026, using an online self-administered questionnaire (CAWI).
All results are available online on the Sofinscope website.Sofinscope : the barometer that gives you a head start on consumer trends
In France, Sofinco is the consumer finance brand of Crédit Agricole Personal Finance & Mobility. For 75 years, it has been offering a wide range of payment and financing solutions along with related services across all distribution channels: direct sales, point-of-sale financing, and e-commerce platforms.
Sofinco provides flexible, responsible solutions tailored to the needs of its customers and partners (major retailers, specialized distribution networks, and institutions) to help them stay ahead in everyday life.
For more information: www.sofinco.fr