Ravelin – Global Payments Report, 2025

Ravelin's "Global Payments Report, 2025" provides an in-depth analysis of the evolving landscape of online payments, focusing on regulation, authentication, and security. The report reveals that the global 3D Secure (3DS) success rate averages 79%, with the UK leading at 93%. It highlights that 77% of merchants are authenticating more frequently than the previous year, yet only 72% utilize PSD2 SCA exemptions. Additionally, 66% of merchants report an increase in payment fraud. The study offers 3DS performance data across 37 countries, examines Secure Customer Authentication (SCA) regulations worldwide, and presents merchant perspectives on authentication and payment security. Expert insights from Ravelin's CEO provide strategic guidance for businesses navigating the complexities of online payment systems.