Not everything is trending downward for online merchants, according to electronic payments firm CyberSource. E-tailers say they expect to suffer a record $4 billion in fraud losses for 2008, up from $3.7 billion in 2007.

Those increases came despite improved vigilance and growing use of automated anti-fraud tools. The survey shows a reduced rejection rate of 2.9 percent of online orders halted due to suspected fraud, compared to 4 percent last year. E-commerce merchants say they will still lose 1.4 percent of their revenues to fraud, in a fairly steady rate for the past several years.

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