--- title: "Authentication, 3DS and SCA regulations map" date: 2025-10-20T09:30:00+01:00 author: Nikoleta Dimitriou canonical_url: "https://www.ravelin.com/3ds-global-payment-authentication-map-sca" section: Pages --- ## 3D Secure, SCA & Global Payment Regulation Map How are merchants and consumers affected by 3DS? Select each country below to discover its 3DS success rates, frictionless rates and SCA status. Get deeper data and analysis by downloading Ravelin's 46-page Global Payments Report 2026. Download the report WorldAustraliaAustriaBelgiumBrazilBulgariaCanadaChinaCroatiaRepublic of CyprusCzech RepublicDenmarkEstoniaFinlandFranceGermanyGreeceHungaryIcelandIndiaIrelandItalyLatviaLithuaniaLuxembourgMaltaNetherlandsNorwayPolandPortugalRomaniaSlovakiaSloveniaSouth AfricaSpainSwedenUnited KingdomUnited States of America EuropeAustriaBelgiumBulgariaCroatiaRepublic of CyprusCzech RepublicDenmarkEstoniaFinlandFranceGermanyGreeceHungaryIcelandIrelandItalyLatviaLithuaniaLuxembourgMaltaNetherlandsNorwayPolandPortugalRomaniaSlovakiaSloveniaSpainSwedenUnited Kingdom SCA mandates #### Payment authentication data EuropeWorldReset view#### Global data Authentications Global data ### Average rates around the world Jan–Jul 2025 3DS success rate3DS challenge success rateFrictionless rateEurope83%75%62%North America85%85%54%Global82%76%58% Reset view #### SCA mandates EuropeSouth East AsiaWorldReset view × SCA requirements Upcoming mandates & gray areas No SCA requirements Reset view SCA requirementsAustria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom Australia, Brazil, India, Indonesia, Japan, Malaysia, Singapore, South Africa, Thailand Upcoming mandates and gray areasChina, Mexico Loading… ### Average rates around the world Jan–Jul 2025 3DS success rate3DS challenge success rateFrictionless rateEurope83%75%62%North America85%85%54%Global82%76%58% ### Average rates around the world Jan–Jul 2025 3DS success rate3DS challenge success rateFrictionless rateEurope83%75%62%North America85%85%54%Global82%76%58%