New trends in global card fraud: How 3D Secure and regional mandates are affecting risk
Stripe's analysis of billions of transactions from January 2022 to March 2026 reveals significant differences in card fraud patterns across regions and countries. The study highlights how the implementation of 3D Secure and various regional mandates are influencing the types and frequency of fraud attempts.
Businesses can utilize these insights to better tailor their fraud prevention strategies. Understanding the regional nuances allows companies to respond effectively, potentially reducing their risk and exposure to fraudulent transactions.
Key takeaways
- ▸Analysis conducted on billions of transactions from January 2022 to March 2026.
- ▸Significant regional differences exist in card fraud patterns.
- ▸3D Secure and regional mandates are influencing fraud trends.
- ▸Businesses are encouraged to adapt their fraud prevention tactics based on these insights.
Why this matters
This analysis provides valuable data for PSPs and merchants, enabling them to refine their risk management strategies. By leveraging insights into regional fraud patterns and the effectiveness of 3D Secure, businesses can enhance their defenses against fraud, reducing potential losses and improving customer trust. Failure to adapt could leave businesses vulnerable in high-risk regions.