2026年全球支付报告_监管_身份验证_安全_46页_9mb

Global Payments Report 2026 Summary

Core Content

This report provides an in-depth analysis of online payment authentication, regulation, and security trends across 37 countries, highlighting the evolving landscape of card payments and the impact of regulatory frameworks like SCA (Strong Customer Authentication) and 3D Secure. It also includes insights from a survey of 1466 merchants and explores future trends such as Agentic AI, VAMP, EUDI wallet, and stablecoins.

Main Sections

Section A: Authentication Report

• 3D Secure Data: Ravelin provides internal data on 3D Secure authentication success rates, challenge success rates, and frictionless rates for 37 countries.
• Key Metrics:
  • 3DS Success Rate: The global average increased from 79% in 2024 to 82% in 2025.
  • 3DS Challenge Success Rate: The global average rose from 74% to 76%.
  • Frictionless Rate: Global frictionless rate decreased from 64% to 58%.

Section B: Global Landscape Analysis

• Regulation & SCA: SCA is enforced in all EU countries and many others, with some regions tightening their assessments.
• Payment Trends:
  • Account-to-account (A2A) payments and digital wallets are gaining traction.
  • However, e-wallet and BNPL (Buy Now Pay Later) fraud is on the rise.
• Recommendations: Merchants are advised to follow card scheme guidelines and improve authentication practices to reduce fraud and enhance user experience.

Section C: Payments & Authentication Trends

• Merchant Survey Insights:
  • 1466 merchants participated in the survey.
  • Merchants are concerned about the effectiveness of authentication and the impact of regulation.
  • Over 50% of UK merchants want to see changes to SCA mandates removed.
  • Merchants are increasingly adopting new payment methods, such as digital wallets and BNPL.

Key Findings

Global Trends

• Frictionless Rates: Have dropped in 76% of countries, indicating increased friction in the payment process.
• 3DS Success Rates: Globally lower than ideal, with modest improvements in the USA driving the global average up.
• UK Leadership: The UK continues to lead in authentication success rates, with a 7% improvement in frictionless rates. However, upcoming changes to SCA mandates could impact this performance.
• US Improvements: A 47% increase in 3DS success rate, suggesting better compliance with card scheme recommendations.
• New Payment Methods: A2A and digital wallets are rising in popularity, but fraud associated with these methods is also increasing.

Regional Insights

North America

• 3DS Success Rate: 61% (2024) to 85% (2025)
• 3DS Challenge Success Rate: 84% (2024) to 85% (2025)
• Frictionless Rate: 60% (2024) to 54% (2025)

Europe

• 3DS Success Rate: 82% (2024) to 83% (2025)
• 3DS Challenge Success Rate: 73% (2024) to 75% (2025)
• Frictionless Rate: 66% (2024) to 62% (2025)

Global

• 3DS Success Rate: 79% (2024) to 82% (2025)
• 3DS Challenge Success Rate: 74% (2024) to 76% (2025)
• Frictionless Rate: 64% (2024) to 58% (2025)

Card Scheme Performance

Country Rankings

Top 4 3DS Success Rate

1. Mastercard
2. Visa
3. American Express
4. UnionPay

Top 4 3DS Challenge Success Rate

1. Mastercard
2. Visa
3. American Express
4. Cartes Bancaires

Top 4 Frictionless Rate

1. UnionPay
2. Cartes Bancaires
3. Diners & Discover
4. Private Label Cards

Bottom 4 3DS Success Rate

1. Private Label Cards
2. Diners & Discover
3. Cartes Bancaires
4. UnionPay

Bottom 4 3DS Challenge Success Rate

1. Diners & Discover
2. Cartes Bancaires
3. Private Label Cards
4. UnionPay

Bottom 4 Frictionless Rate

1. Diners & Discover
2. UnionPay
3. Private Label Cards
4. Cartes Bancaires

Country-Specific Highlights

• Australia: SCA is enforced based on fraud rates. The CNP Fraud Mitigation Framework applies.
• Austria: SCA is enforced for all in-scope transactions. High 3DS success rate and challenge success rate.
• Belgium: SCA is enforced for all in-scope transactions. Strong 3DS performance.
• Brazil: Two-factor authentication is required for domestic debit card transactions.
• Bulgaria: SCA is enforced. Moderate improvements in 3DS success rate.
• Canada: No SCA regulation yet. Card schemes have discontinued 3DS v2.1.
• China: UnionPay is the only card scheme. QR code transactions over 500 yuan require additional security checks.
• Croatia: SCA is enforced. Moderate improvements in 3DS success rate.
• Cyprus: SCA is enforced. Moderate 3DS performance.
• Czech Republic: SCA is enforced. Moderate improvements in 3DS success rate.
• Denmark: SCA is enforced. Strong 3DS performance.
• Estonia: SCA is enforced. Strong 3DS performance.
• Finland: SCA is enforced. Strong 3DS performance.
• France: SCA is enforced. Strong 3DS performance.
• Germany: SCA is enforced. Strong 3DS performance.
• Greece: SCA is enforced. Moderate 3DS performance.
• Hungary: SCA is enforced. Moderate 3DS performance.
• Ireland: SCA is enforced. Moderate 3DS performance.
• India: Two-factor authentication required for transactions over Rs 2000.
• Italy: SCA is enforced. Moderate 3DS performance.
• Latvia: SCA is enforced. Moderate 3DS performance.
• Lithuania: SCA is enforced. Moderate 3DS performance.
• Luxembourg: SCA is enforced. Moderate 3DS performance.
• Malta: SCA is enforced. Moderate 3DS performance.
• Netherlands: SCA is enforced. Moderate 3DS performance.
• Norway: SCA is enforced. Moderate 3DS performance.
• Poland: SCA is enforced. Moderate 3DS performance.
• Portugal: SCA is enforced. Moderate 3DS performance.
• Romania: SCA is enforced. Moderate 3DS performance.
• Slovakia: SCA is enforced. Moderate 3DS performance.
• Slovenia: SCA is enforced. Moderate 3DS performance.
• Spain: SCA is enforced. Moderate 3DS performance.
• Sweden: SCA is enforced. Moderate 3DS performance.
• United Kingdom: SCA is enforced. High 3DS performance, but 51% of merchants want to see changes removed.
• United States: SCA is enforced. Strong improvements in 3DS success rate.
• South Africa: SCA is enforced. Moderate 3DS performance.

Future Trends

• Agentic AI: Expected to reshape the payment landscape.
• VAMP: A new approach to payment authentication.
• EUDI Wallet: Promising for secure digital payments.
• Stablecoins: Could change how payments are processed, but fraudsters may adapt quickly.

Conclusion

The report underscores the importance of secure authentication and compliance with SCA regulations. While some countries show strong performance, others face challenges in balancing security with user convenience. The rise of new payment methods brings both opportunities and risks, requiring continuous adaptation and innovation in fraud prevention strategies.