---
title: "Global Payments Report 2025: Regulation, Authentication, Security | Ravelin"
description: Get Ravelin's Payments Report 2025, featuring exclusive 3D Secure data, to better understand authentication, regulation and security in online payments.
image: https://pages.ravelin.com/hubfs/PR25%20cover%20banner%20for%20Landing%20Page_2000x1045px_optimized.gif
---

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# Global Payments Report 2025

# Regulation, Authentication, Security

---

[There's a more recent version of this report. Please download the Global Payments Report 2026 here. ](https://pages.ravelin.com/global-payments-report-2026-authentication)

 

If you accept card payments online, then authentication, regulation, and fraud deserve your attention.

Online payments drive the global economy, from retail to subscriptions and digital goods.

And their security is key. Our new report reveals:

- The global 3DS Success Rate average is just 79%
- The UK tops the charts with 93% – but Frictionless Rate is not as good, at 61%
- 77% of merchants authenticate more often than last year
- Just 72% use PSD2 SCA exemptions
- 66% of merchants report a rise in payment fraud

...and much more.

Download Ravelin's Payments Report 2025 to get:

- 3D Secure performance data for 37 countries
- analysis of SCA regulations around the globe
- authentication motivators and expectations
- trends in payment fraud and 3DS use
- merchants' opinions and concerns 
- expert advice from Ravelin's CEO

Gain deeper understanding of the payments authorization, regulation and security landscape so you can accept more payments with confidence.

 

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