This report is based on a survey of U.S. and Canadian online merchants. Decision makers who participated in this survey represent a blend of small, medium and large-sized organizations based in North America. Merchant experience levels range from companies in their first year of online transactions to some of the largest e-retailers and digital distribution entities in the world. Merchants participating in the survey reported a total estimate of more than $60 billion for their 2009 online sales. Survey respondents include both non-CyberSource and CyberSource merchants.

The survey was conducted via online questionnaire by Mindwave Research. Participating organizations completed the survey between September 10th and October 7th 2009. All participants were either responsible for or influenced decisions regarding risk management in their companies.

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