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GLOBALPAYMENTSREPORT2026
REGULATION,AUTHENTICATION,SECURITY
BUYNOW
RAVELIN
CONTENTS
|GLOBALPAYMENTSREPORT2026
INTRODUCTION2
3INTRODUCTION
5SECTIONA:AUTHENTICATIONREPORT
3DSecuresuccessratesglobally,per-cardscheme,andper-country,aswellasfrictionlessrates,allfromRavelin’sinternaldata.
AUSTRALIA
DENMARK
ITALY
SLOVAKIA
AUSTRIA
ESTONIA
LATVIA
SLOVENIA
BELGIUM
FINLAND
LITHUANIA
SOUTHAFRICA
BRAZIL
FRANCE
LUXEMBOURG
SPAIN
BULGARIA
GERMANY
MALTA
SWEDEN
CANADA
GREECE
NETHERLANDS
UNITEDKINGDOM
CHINA
HUNGARY
NORWAY
UNITEDSTATES
CROATIA
ICELAND
POLAND
CYPRUS
INDIA
PORTUGAL
CZECHREPUBLIC
IRELAND
ROMANIA
28SECTIONB:GLOBALLANDSCAPEANALYSIS
Thestateofpaymentsaroundtheworld,includingauthenticationandSCA,paymenttrends,andregulation–aswellasourglobalSCAmandatesmap.
36SECTIONC:PAYMENTS&AUTHENTICATIONTRENDS
Whatdomerchantsreallythinkaboutpaymentsandauthentication?Findings,comparisonsandtakeawaysfromourannual,globalsurveyof1466merchants.
45METHODOLOGY
3
RAVELIN
INTRODUCTION
INTRODUCTION
Onlinepaymentsunderpintheglobaleconomy,extendingthereachofcountlessmerchantsandgivingconsumersaccesstomoregoodsandservicesthanever.
Authentication,regulationandonlinepaymentfraudcompriseanever-shiftinglandscape–onethatanyonewhoacceptscardpaymentsonlineisadvisedtobeawareof.
Inthisyear’seditionofRavelin’sGlobalPaymentsReport,wehavegonefurther,tracingtheupwardsanddownwardstrendsof3DSecureratesovertime–comparedtolastyear(aswellasmerchantattitudestopayments).
Ravelin’sGlobalPaymentsReport2026featuresthreesections,namely:
SECTIONA
Authenticationreport:
Ravelin’s3DSecuredatafrom37countriesaroundtheworld–withcomparisonto
lastyear.
SECTIONB
Analysis,paymenttrends,andadvicetomerchants:
Getdetailedinformationandsolid
recommendationstointerpretour
findings,understandthelatesttrendsinCNPpayments,andnavigatepaymentfraudchallenges.
SECTIONC
Attitudestoregulation,paymentsandpaymentfraud:
Merchantattitudesaround3DS,PSD2,paymentmethodsandchannels,andsellingonline.
Byaddingthedimensionoftimetoourmetrics,welooktoprovideevenmorevaluableinsightsintotheshoppingexperiencesofmillionsofpeoplefromaroundtheworld.
Ouraimisforourreaderstogainabetterunderstandingofwhatworksandwhatdoesn’twhenitcomestoonlinepayments,includingpotentialnewrisksandopportunities.
Enjoyreading,andpleasereachouttouswithanyquestionsorcomments.
|GLOBALPAYMENTSREPORT2026
RAVELININTRODUCTION4
KEYTAKEAWAYS
1
2
3
4
5
Frictionlessrateshavedroppedglobally–
in76%ofcountries.
Issuers,schemesand
legislatorsaretighteningtheirassessmentsand
puttingmorepressureonmerchants.
3DSsuccessrates
arenotoptimal–withmodestimprovementsintheUSAdrivingup
theglobalaverage.Aremerchantssendingallrelevantdataalongwiththeirrequest?
TheUKtopsthe
authenticationratings
foronemoreyear.Itwillbeinterestingtoseetheimpactofannounced
changestoUKSCA
mandates–which51%wanttoseeremoved.
Account-to-account
(A2A)real-time
paymentsarepicking
up,asaredigitalwallets,withauthentication
becomingmoredynamic–bute-walletandBNPLfraudisup.
AgenticAI,VAMP,
theEUDIwalletand
stablecoinsareall
expectedtoreshape
thelandscape–but
fraudsterswilladapttochangesandadoptnewtechtosupportand
scaletheirschemes.
>The3DSdatainSectionAisinternalandcomesfromRavelin’spaymentfraudandoptimizationrecommendations,aswellasfrommanaging
authenticationitself.
>SectionBisbasedontheauthors’expertiseintheonlinepayment
landscape,includingcardschemebulletins,legislators’announcements,keyindustryreports,andthemedia.
>SectionCsharespreviously-unreleaseddatafromRavelin’sannual
Survey,thelatestversionofwhichhad1466participants–allenterprisemerchantswhosellproductsorservicesonline.
Fordetailedmethodologyandbreakdown,
pleasevisitpage45
.
|GLOBALPAYMENTSREPORT2026
5
RAVELIN
SECTIONA|AUTHENTICATIONREPORT
SECTIONA:AUTHENTICATIONREPORT
RAVELIN’SGLOBAL3DSECUREAUTHENTICATIONREPORT
FINDINGSWORTHYOFYOURATTENTION
>Acrosstheboard,3DSsuccessratesarelowerthanideal–withmodestimprovementsintheUSAdrivinguptheglobalaverage.Aremerchantssendingallrelevantdataalongwiththeirrequest?
>Foronemoreyear,theUKtopsthecomparisoncharts.Inadditiontoveryhighauthenticationandchallengesuccess
rates,thefrictionlessrateshavealsoimprovedby7%.ItwillbeinterestingtoseehowtheannouncedchangestoUKSCAwillaffectthesemetrics.
>Weobserveda+47%increaseintheUnitedStates’3DSsuccessrate.Itseemsthatthepressureisbuildingup
foracquirersandmerchantstomorecloselyfollowcardschemerecommendationsandauthenticatesecurely.
>Account-to-account(A2A)paymentshaveenteredthetop
3intwooftheEUcountrieswe’reexamining–isthisasignofthingstocome?
Inthissection,you’llfindauthenticationdatafor37keycountries,aswellasglobalaveragespercardschemeandregion.
Foreach,we’lllookat:
3DSSUCCESSRATE:
Therateofsuccessof3DSecureauthenticationasaproportionofallpaymentssenttoauthentication.Inthissense,the3DSsuccessratecanalsobecalledthe3DSauthenticationsuccessrate.
3DSCHALLENGESUCCESSRATE:
Wheretherehasbeena3DSecurechallenge,whatpercentageofcardholderssuccessfullyauthenticatedthemselves?Inotherwords,thisistherateofsuccessful3DSecurechallengesasaproportionofall3DSecurechallenges.
FRICTIONLESSRATE:
Howmanyofallauthenticationattemptswereauthenticated
withoutachallenge?
TOPCARDPAYMENTMETHODS:
Whatarethiscountry’spreferenceswhenpayingbycard?
P
Bankaccount
(A2A)
CardDigitalwalletPayPal
|GLOBALPAYMENTSREPORT2026
RAVELIN
GLOBALSTATISTICS
AVERAGE3DSECURESUCCESS
RATESGLOBALLY
|GLOBALPAYMENTSREPORT2026
AVERAGES
SECTIONA|AUTHENTICATIONREPORT
3DSsuccess
rate
3DSchallengesuccessrate
Frictionless
rate
JAN-JUL
2024
JAN-JUL
2025
JAN-JUL
2024
JAN-JUL
2025
JAN-JUL
2024
JAN-JUL
2025
North
America
61%
85%
84%
85%
60%
54%
Europe
82%
83%
73%
75%
66%
62%
Global
79%
82%
74%
76%
64%
58%
6
RAVELIN
GLOBALSTATISTICS
AVERAGE3DSECURESUCCESS
RATESPERCARDSCHEME
|GLOBALPAYMENTSREPORT2026
SECTIONA|AUTHENTICATIONREPORT
AVERAGES
3DSsuccess
rate
3DSchallengesuccessrate
Frictionless
rate
JAN-JUL
2024
JAN-JUL
2025
JAN-JUL
2024
JAN-JUL
2025
JAN-JUL
2024
JAN-JUL
2025
Mastercard
mastercard
91%
93%
86%
86%
70%
69%
VISAVisa
91%
90%
88%
84%
60%
62%
AMERICAN
EXPRESS
AmericanExpress
89%
92%
94%
93%
47%
53%
DinersclubINTERNATIONAL
Diners&Discover
50%
87%
90%
57%
99%
80%
Privatelabelcards
40%
58%
61%
55%
50%
32%
CartesBancaires
87%
97%
96%
94%
85%
65%
UnionPay
99%
41%
99%
92%
70%
73%
7
|GLOBALPAYMENTSREPORT2026
8
RAVELIN
SECTIONA|AUTHENTICATIONREPORT
COUNTRYRANKINGS
UnitedKingdom
Italy
Netherlands
France
Brazil
SouthAfrica
Finland
India
3DSsuccessrateTop4
95%
93%
92%
91%
020406080100
Bottom4
36%
67%
72%
72%
020406080100
3DSchallengesuccessrate
Top4
UnitedKingdom
India
Poland
China
91%
91%
90%
89%
020406080100
Bottom4
Brazil
Greece
Denmark
Finland
27%
55%
55%
57%
020406080100
FrictionlessrateTop4
83%
Netherlands
75%
74%
74%
Cyprus
Lithuania
UnitedStates
020406080100
Bottom4
26%
Brazil
30%
SouthAfrica
35%
Canada
39%
India
020406080100
●Asia●Africa.oceania
●Europe●NorthAmerica.southAmerica
|GLOBALPAYMENTSREPORT2026
RAVELIN
P
AUSTRALIA
NationalCompetentAuthority
ReserveBankofAustraliaandtheAustralianPaymentsNetwork(AusPayNet)
SCAstatus
Since2019,theCNPFraudMitigationFrameworkrequiresSCAwhena
merchant’sfraudrateisabovetherecommendedratefortwoconsecutivequarters.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
60%
2025
Toponlinepaymentmethods
2
1
3DSsuccess
rate
C
3
Frictionless
83%
78%
87%
82%
57%
2025
2025
2024
2024
2024
SECTIONA|AUTHENTICATIONREPORT9
P
AUSTRIA
NationalCompetentAuthority
FinancialMarketAuthority
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
82%88%
20242025
Toponlinepaymentmethods
2
1
3DSsuccess
rate
C
3
Frictionless
50%
65%
76%
74%
2025
2025
2024
2024
|GLOBALPAYMENTSREPORT2026
RAVELIN
P
BELGIUM
NationalCompetentAuthority
NationalBankofBelgium
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
71%80%
20242025
Toponlinepaymentmethods
2
1
3DSsuccess
rate
C
3
Frictionless
49%
68%
58%
77%
2025
2025
2024
2024
SECTIONA|AUTHENTICATIONREPORT10
BRAZIL
NationalCompetentAuthority
BancoCentraldoBrasil
SCAstatus
Two-factorauthenticationisrequiredontransactionsmadeusingdomestic-issueddebitcardswithinBrazil.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
26%
2025
Toponlinepaymentmethods
2
1
3DSsuccess
rate
P
3
Frictionless
69%
68%
36%
87%
27%
2025
2025
2024
2024
2024
|GLOBALPAYMENTSREPORT2026
RAVELIN
P
BULGARIA
NationalCompetentAuthority
BulgarianNationalBank
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
80%67%
20242025
Toponlinepaymentmethods
2
1
3DSsuccess
rate
C
3
Frictionless
84%
84%
87%
71%
2025
2025
2024
2024
SECTIONA|AUTHENTICATIONREPORT11
I*lCANADA
NationalCompetentAuthority
DepartmentofFinance
SCAstatus
Noregulationasofyet.Cardschemeshavediscontinueduseof3DSv2.1.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
35%
2025
Toponlinepaymentmethods
2
1
3DSsuccess
rate
P
3
Frictionless
43%
83%
85%
82%
81%
2025
2025
2024
2024
2024
|GLOBALPAYMENTSREPORT2026
RAVELIN
CHINA
NationalCompetentAuthority
China’sCentralBank
SCAstatus
Since2017,QRcodetransactionsabove500yuanaresubjecttoadditionalsecuritychecks.UnionPayistheonlycardschemeinChina.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
55%
2024
Toponlinepaymentmethods
2
1
3DSsuccess
rate
P
3
Frictionless
*:
89%
83%
56%
73%
52%
2025
2025
2025
2024
2024
SECTIONA|AUTHENTICATIONREPORT12
NationalCompetentAuthority
DepartmentofFinance
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions.
3DSECUREPAYMENTDATA
3DSsuccess3DSchallenge
ratesuccessrate
73%
64%
2025
2024
Toponlinepaymentmethods
2
CROATIA
1
P
3
Frictionless
80%
56%
58%
72%
2025
2025
2024
2024
|GLOBALPAYMENTSREPORT2026
RAVELIN
CYPRUS
NationalCompetentAuthority
BankofCyprus
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
90%
2025
Toponlinepaymentmethods
2
1
3DSsuccess
rate
P
3
Frictionless
54%
82%
75%
81%
71%
2025
2025
2024
2024
2024
SECTIONA|AUTHENTICATIONREPORT13
CZECHREPUBLIC
NationalCompetentAuthority
CzechNationalBank
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
69%
2025
Toponlinepaymentmethods
2
1
3DSsuccess
rate
P
3
Frictionless
50%
83%
76%
67%
91%
2025
2025
2024
2024
2024
|GLOBALPAYMENTSREPORT2026
RAVELIN
DENMARK
NationalCompetentAuthority
DanishFinancialSupervisoryAuthority(Finanstilsynet)
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
51%
2025
Toponlinepaymentmethods
2
1
3DSsuccess
rate
P
3
63%55%
74%75%
Frictionless
20242025
20242025
40%
2024
SECTIONA|AUTHENTICATIONREPORT14
P
ESTONIA
NationalCompetentAuthority
FinancialSupervisionAuthority(Finantsinspektsioon)
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions.
3DSECUREPAYMENTDATA
3DSsuccess3DSchallenge
ratesuccessrate
83%
73%
2025
2024
Toponlinepaymentmethods
2
1
C
3
Frictionless
84%
68%
70%
74%
2025
2025
2024
2024
|GLOBALPAYMENTSREPORT2026
RAVELIN
P
FINLAND
NationalCompetentAuthority
Finanssivalvonta(Fin-FSA)
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
82%72%
20242025
Toponlinepaymentmethods
2
1
3DSsuccess
rate
C
3
74%62%
Frictionless
20242025
66%
57%
2025
2024
SECTIONA|AUTHENTICATIONREPORT15
P
FRANCE
NationalCompetentAuthority
FrenchPrudentialSupervisionandResolutionAuthority(Autoritédecontr?leprudentieletdeRésolution)
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
86%
2025
Toponlinepaymentmethods
2
1
3DSsuccess
rate
C
3
Frictionless
88%
85%
56%
42%
91%
2025
2025
2024
2024
2024
|GLOBALPAYMENTSREPORT2026
RAVELIN
mmGERMANY
NationalCompetentAuthority
FederalFinancialSupervisoryAuthority(BaFin)andBundesbank
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
63%
2025
Toponlinepaymentmethods
2
3
1
3DSsuccess
rate
Frictionless
P
87%
87%
82%
82%
61%
2025
2025
2024
2024
2024
SECTIONA|AUTHENTICATIONREPORT16
P
GREECE
NationalCompetentAuthority
BankofGreece
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
76%72%
20242025
Toponlinepaymentmethods
2
1
3DSsuccess
rate
C
3
Frictionless
86%
55%
75%
74%
2025
2025
2024
2024
|GLOBALPAYMENTSREPORT2026
RAVELIN
HUNGARY
NationalCompetentAuthority
CentralBankofHungary
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
60%63%
20242025
Toponlinepaymentmethods
2
1
3DSsuccess
rate
P
3
Frictionless
66%
82%
82%
71%
2025
2025
2024
2024
SECTIONA|AUTHENTICATIONREPORT17
+—ICELAND
NationalCompetentAuthority
FinancialSupervisoryAuthority
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
80%
2025
Toponlinepaymentmethods
2
1
3DSsuccess
rate
P
3
Frictionless
70%
55%
79%
87%
73%
2025
2025
2024
2024
2024
|GLOBALPAYMENTSREPORT2026
RAVELIN
二INDIA
NationalCompetentAuthority
ReserveBankofIndia
SCAstatus
Two-factorauthenticationisrequiredforalldomesticdebitandcreditcardtransactionsoverRs2000.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
39%
2025
Toponlinepaymentmethods
2
1
3DSsuccess
rate
P
3
Frictionless
43%
88%
65%
72%
91%
2025
2025
2024
2024
2024
SECTIONA|AUTHENTICATIONREPORT18
P
IRELAND
NationalCompetentAuthority
CentralBankofIreland
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
66%
2025
Toponlinepaymentmethods
2
1
3DSsuccess
rate
C
3
Frictionless
89%
88%
70%
82%
91%
2025
2025
2024
2024
2024
|GLOBALPAYMENTSREPORT2026
RAVELIN
P
ITALY
NationalCompetentAuthority
BankofItaly(Bancad’Italia)
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
74%72%
20242025
Toponlinepaymentmethods
2
1
3DSsuccess
rate
C
3
Frictionless
86%
89%
89%
93%
2025
2025
2024
2024
SECTIONA|AUTHENTICATIONREPORT19
P
LATVIA
NationalCompetentAuthority
FinancialandCapitalMarketCommission(FKTK)
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
80%
2025
Toponlinepaymentmethods
2
1
3DSsuccess
rate
C
3
Frictionless
80%
66%
85%
58%
73%
2025
2025
2024
2024
2024
|GLOBALPAYMENTSREPORT2026
RAVELIN
P
LITHUANIA
NationalCompetentAuthority
BankofLithuania
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
84%
2025
Toponlinepaymentmethods
2
1
3DSsuccess
rate
C
3
Frictionless
69%
89%
83%
87%
74%
2025
2025
2024
2024
2024
SECTIONA|AUTHENTICATIONREPORT20
LUXEMBOURG
NationalCompetentAuthority
CommissiondeSurveillanceduSecteurFinancier
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
69%60%
20242025
Toponlinepaymentmethods
2
1
3DSsuccess
rate
P
3
Frictionless
86%
78%
87%
82%
2025
2025
2024
2024
|GLOBALPAYMENTSREPORT2026
RAVELIN
P
MALTA
NationalCompetentAuthority
CentralBankofMaltaandMaltaFinancialServicesAuthority
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
46%
2025
Toponlinepaymentmethods
2
1
3DSsuccess
rate
C
3
Frictionless
84%
79%
78%
62%
71%
2025
2025
2024
2024
2024
SECTIONA|AUTHENTICATIONREPORT21
—NETHERLANDS
NationalCompetentAuthority
DeNederlandscheBank
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
66%
2025
Toponlinepaymentmethods
2
1
3DSsuccess
rate
P
3
Frictionless
88%
83%
92%
82%
77%
2025
2025
2024
2024
2024
|GLOBALPAYMENTSREPORT2026
RAVELIN
P
NORWAY
NationalCompetentAuthority
FinancialSupervisoryAuthorityofNorway(Finanstilsynet)
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
48%
2025
Toponlinepaymentmethods
2
1
3DSsuccess
rate
C
3
Frictionless
64%
66%
66%
78%
72%
2025
2025
2024
2024
2024
SECTIONA|AUTHENTICATIONREPORT22
POLAND
NationalCompetentAuthority
PolishFinancialSupervisionAuthority
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
83%
2024
Toponlinepaymentmethods
2
1
3DSsuccess
rate
P
3
Frictionless
90%
87%
82%
57%
51%
2025
2025
2025
2024
2024
|GLOBALPAYMENTSREPORT2026
RAVELIN
PORTUGAL
NationalCompetentAuthority
BancodePortugal
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
76%
2025
Toponlinepaymentmethods
2
3
1
3DSsuccess
rate
Frictionless
79%
78%
57%
77%
77%
2025
2025
2024
2024
2024
SECTIONA|AUTHENTICATIONREPORT23
ROMANIA
NationalCompetentAuthority
NationalBankofRomania
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
60%
2025
Toponlinepaymentmethods
1
2
3
3DSsuccess
rate
Frictionless
80%
69%
83%
42%
78%
2025
2025
2024
2024
2024
|GLOBALPAYMENTSREPORT2026
RAVELIN
SLOVAKIA
NationalCompetentAuthority
NationalBankofSlovakia
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
61%61%
20242025
Toponlinepaymentmethods
2
1
3DSsuccess
rate
P
3
Frictionless
74%
81%
81%
81%
2025
2025
2024
2024
SECTIONA|AUTHENTICATIONREPORT24
P
SLOVENIA
NationalCompetentAuthority
NationalBankofSlovenia
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
60%
2025
Toponlinepaymentmethods
2
1
3DSsuccess
rate
C
3
Frictionless
67%
87%
73%
82%
81%
2025
2025
2024
2024
2024
|GLOBALPAYMENTSREPORT2026
RAVELIN
SOUTHAFRICA
NationalCompetentAuthority
PaymentAssociationofSouthAfrica
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
47%30%
20242025
Toponlinepaymentmethods
2
1
3DSsuccess
rate
P
3
Frictionless
80%
76%
67%
73%
2025
2025
2024
2024
SECTIONA|AUTHENTICATIONREPORT25
P
SPAIN
NationalCompetentAuthority
BancodeEspa?a
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
60%
2024
Toponlinepaymentmethods
2
1
3DSsuccess
rate
C
3
Frictionless
44%
80%
86%
79%
81%
2025
2025
2025
2024
2024
|GLOBALPAYMENTSREPORT2026
RAVELIN
SWEDEN
NationalCompetentAuthority
FinancialSupervisoryAuthority(Finansinspektionen)
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
81%59%
20242025
Toponlinepaymentmethods
2
1
3DSsuccess
rate
P
3
64%59%
Frictionless
20242025
85%
76%
2025
2024
SECTIONA|AUTHENTICATIONREPORT26
P
UNITEDKINGDOM
NationalCompetentAuthority
FinancialConductAuthority
SCAstatus
PSD2SCAisenforcedforallin-scopetransactions,as,regardlessofthe
UK’sexitfromtheEU,PSD2isfullywrittenintoUKlaw.However,theUK
governmentsignaleditsinterestinrevisitingthislegislationinNovember2024intheNationalPaymentsVision–
readmoreinformationhere
.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
61%68%
20242025
Toponlinepaymentmethods
2
1
3DSsuccess
rate
C
3
Frictionless
94%
93%
95%
91%
2025
2025
2024
2024
|GLOBALPAYMENTSREPORT2026
RAVELINSECTIONA|AUTHENTICATIONREPORT27
P
UNITEDSTATES
NationalCompetentAuthority
FederalReserveBoard
SCAstatus
Noregulationasofyet.Cardschemeshavediscontinueduseof3DSv2.1.
3DSECUREPAYMENTDATA
3DSchallengesuccessrate
84%84%
20242025
Toponlinepaymentmethods
2
1
3DSsuccess
rate
C
3
Frictionless
88%
78%
74%
41%
2025
2025
2024
2024
4+billion
transactionsperyear
$62billion
intransactionsprocessed
340+
Ravelin
merchantsprotected
RAVELINSECTIONB|GLOBALLANDSCAPEANALYSIS28
SECTION
B:GLOBALLANDSCAPEANALYSIS
DELVINGINTO3DSSUCCESSRESULTS,GLOBALPAYMENTSTRENDS,REGULATIONUPDATES&ADVICETOMERCHANTS
InthissectionoftheGlobalPaymentsReport2026,weturnto
Ravelin’ssubjectmatterexpertstocompare,evaluateandinterpretthisyear’sauthenticationsuccessmetrics,identifypatterns,and
considerthebestwayforward.
Howisthepaymentslandscapeevolving?
Whatarethekeytrendsinfluencingpaymentstrategiesintheshortandmediumterm?
You’llalsogetanalysisandadvicefromRavelin’sseniorleadership–andourannualSCAlegislationmap.
|GLOBALPAYMENTSREPORT2026
KEYPOINTSWORTHYOFYOURATTENTION
>Issuers,cardschemesandlegislatorsaretighteningtheirassessmentsandputtingmorepressureonmerchants.
Globalfrictionlessrateshavedropped.
>Authenticationisbecomingmoredynamic,withnetworktokens.
>A2A,real-timepaymentsanddigitalwalletadoption
increases–whileagenticAIandstablecoinsaretoutedasthewayforward.Butfraudstersaretakingnotice.
|GLOBALPAYMENTSREPORT2026
29
RAVELIN
SECTIONB|GLOBALLANDSCAPEANALYSIS
ANALYSIS:WHATTHELATEST3DSMETRICSMEAN
TheGlobalPaymentsReport2026goesbeyond
simplyreportingauthenticationrates;thisyear,wearebenchmarkingperformanceagainstthepreviousyeartomeasurethereal-worldimpactofrecent
3DS
technologicalandregulatorydevelopments.
THEGLOBALPERSPECTIVE&
THEFRICTIONLESSCHALLENGE
Ravelin’slatestdatarevealsamixedglobalperformanceintransactionauthentication.
3DSsuccessrateshaveslightlyincreasedacrosstheboard,withthistrendprimarilydrivenbyasignificantriseintheUSA,whichwe’llexamineinmoredetail
below.3DSchallengesuccessratesareataboutthesamelevelsaslastyear.
JamesHogan
SeniorProductManageratRavelin
Forthepast12years,Jameshasledproduct
teamsaticoniccompaniessuchasEbay,
Mastercard,WorldpayandOcado,specializinginpaymentsoptimization,riskpolicy
management,fraudoperations,andplatformscalingandadoption.
AtRavelin,hecurrentlyleadsthedevelopmentofour3DSecure,3DSSDKsandTransactionOptimizationproducts.
Metric
Globaltrend
Implication
3DSsuccessrate
Slightlyincreased
Overalleffectivenessisup,driven
primarilybysignificantgainsintheUSA.
3DSchallengesuccessrate
Remainedstable
Whencustomersarechallengedforauthentication,theyaresucceedingatsimilarratesaslastyear.
Frictionlessauthentication
Declinedacrosstheboard
(globally,US,andEurope)
Fewercustomersareenjoyingseamlesscheckouts,whichincreasestheriskofcartabandonment.
Merchantsaretryingtoreduce
frictionbyrequestingexemptions,issuersaretighteningtheirfraud
assessmentsanddenyingthoserequestsmorefrequently
Frictionlessauthentication,however,hasdeclinedinallthreeaggregateregionswearetracking:globally,intheUSandinEurope.Fewerconsumersareenjoyingsmoothshoppingexperiences–whichcanresult
incartabandonmentandincreasethecustomerinsultrate.
Thedeclineinfrictionlessauthenticationis
concerning,particularlygiventhestrongmerchant
demandforit:78%ofmerchantsnowreportusing
exemptions,anincreasefromlastyear.Thissuggests
thatwhilemerchantsaretryingtoreducefriction
byrequestingexemptions,issuersaretightening
theirfraudassessmentsanddenyingthoserequestsmorefrequently.
TURNINGTHEVICIOUSCIRCLEINTOAVIRTUOUSCIRCLE
Thisobserveddeclineinfrictionlessrates
createsaviciouscircle,butmerchantscanreversethistrend.Thekeytoimprovingperformanceis
two-fold:
1.Moredata:Merchantsmustprovidericher
datatotheissuertosupportthelegitimacyof
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