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Truelayer | Change at the checkout 2025

Insights from 1,300+ shoppers and merchants

Are shoppers and ecommerce merchants ready for Pay by bank? And what are the biggest challenges they’re encountering at the checkout?

TrueLayer, the open banking payment network, surveyed 300 large ecommerce merchants and over 1,000 shoppers to find out.

From chargeback challenges and ideal refund times — to what makes consumers choose one payment method over another — discover all the insights in the full report.

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