Report

Current State of 3-D Secure in the U.S.: A Merchant Perspective

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In the arsenal of tools e-commerce merchants use to mitigate fraud, 3DS is most widely implemented.
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January 19, 2023 – As EMV chip cards continue to protect consumers and their in-store transactions against fraud, organized crime rings have turned their sights on e-commerce transactions where EMV chip cards do not provide protection. E-commerce merchants walk a tightrope trying to maximize revenue and deliver easy customer experiences while preventing fraud and minimizing losses. 3DS is one of the popular tools in their arsenal.

This report examines how U.S. e-commerce merchants leverage 3DS to fight online fraud. It is based on a quantitative phone survey of fraud and payments executives at 207 midsize and large U.S. e-commerce firms conducted in May 2022.

Clients of Aite-Novarica Group’s Fraud & AML service can download this report and the corresponding charts.

This report mentions American Express, Discover, EMVCo, JCB, Mastercard, UnionPay, and Visa.

About the Author

David Mattei

David Mattei

David Mattei is a Strategic Advisor at Datos Insights in the Fraud & AML practice.  David has over 15 years of experience in the payments industry designing, building, and launching fraud and dispute systems. Fraud constantly poses financial and reputational risks to parties on both sides of a transaction, and David's customers have included merchants and financial institutions, giving him...

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