Survey: Consumers Feel Safer Shopping Online Than at Local Stores

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A survey of over 1,000 shoppers has surprising results

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Nearly one quarter of consumers feel more secure using their credit card online than they do handing it over to a local, independent store, according to a recent survey of shoppers by, a credit comparison website.

The survey, of over 1,000 shoppers, revealed that 23% of consumers felt safer using their credit card with an online retailer than at a mom and pop store. Just 10% said they felt the most safe using their card at the their local independent store while the majority – 67% of consumers – are most trustful of chain stores.

This figure represents a significant shift in consumer confidence in the security of online retailers’ credit card processing, according to Charles Tran, founder of, as well as a move away from independent stores.

“While there is much rhetoric about Main Street versus Wall Street, the fact is many Americans aren't shopping on Main Street at all,” noted Tran. “More than anything else, local shops need a solid customer base to stay in business, and if shoppers feel uncomfortable using their credit cards at those shops, they may decide to take their business elsewhere.” conducted the online survey between August 20, 2012 and September 2, 2012. In total, 1,097 consumers in the U.S. age 18 and older answered the question, “Where do you feel most safe using your credit card?

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Charles Tran
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