--- title: "Payments authentication data, merchant opinions and trends in new report by Ravelin" date: 2024-10-18T10:19:00+01:00 author: Ravelin Technology canonical_url: "https://www.ravelin.com/blog/payments-authentication-data-press-release" section: Blog --- Blog /[Fraud analytics](/resources?search=&category%5B0%5D=134547#resourceContainer "Go to Fraud analytics"), [3DS & SCA](/resources?search=&category%5B0%5D=134550#resourceContainer "Go to 3DS & SCA"), [Press release](/resources?search=&category%5B0%5D=175650#resourceContainer "Go to Press release"), [Payments & payment fraud](/resources?search=&category%5B0%5D=189241#resourceContainer "Go to Payments & payment fraud"), [Fraud trends](/resources?search=&category%5B0%5D=201169#resourceContainer "Go to Fraud trends") # Payments authentication data, merchant opinions and trends in new report by Ravelin Ravelin's Global Payments Report 2025 reveals 3DS performance data from around the world – as well as what motivates merchants to authenticate, how often they do so, and more. 18 October 2024 ![Payments authentication data, merchant opinions and trends in new report by Ravelin](https://storage.googleapis.com/ravelin-website-assets-production/assets/images/_blogSmall/253594/experiment1.webp) LONDON, 22 October 2024: Fraud and payments solutions vendor Ravelin has released the **[Global Payments Report 2025: Regulation, Authentication, Security](https://bit.ly/4f64leO)** to help companies who accept payments online to make better decisions and power their secure growth. Spread over 40 pages, the findings include 3D Secure (3DS) performance rates, merchant attitudes to authentication, payment security, and related topics, as well as regulations analysis and a Secure Customer Authentication (SCA) mandates map. The report is [available to download for free on the Ravelin website](https://bit.ly/4f64leO). It combines internal data from Ravelin's servers, results from Ravelin’s online merchant opinion survey, and expert analysis. The metrics and findings can inform the decision-making of payments and fraud professionals working for businesses that are active in the online space, allowing them to accept more payments with confidence. This is especially true for those who sell products and services to consumers in more than one country. ### Key findings Among the payments authentication data released, 3DS success on a global rate was **79%** while the average global frictionless authentication rate was found to be disappointingly low (64%). This means that only 6 in 10 customers experienced a friction-free shopping journey. **[ The UK](https://www.ravelin.com/blog/uk-fraud-trends-2024) boasts the strongest 3DS rate** (93%) and 3DS challenge success (94%) rate out of the 37 countries featured while in the USA, 3DS success is a disappointing 41%. In the merchant survey, fraud protection was identified as the top reason **why merchants authenticate**. 75% of merchants say they expect to authenticate more often in the future. The report complements analysis of SCA mandates around the world, card scheme expectations and latest developments by Ravelin's Senior Product Manager for Authentication, Catherine Jones. Also included is advice to merchants and [PSPs](https://developer.ravelin.com/psp/) by Ravelin's CEO, Martin Sweeney. AI-native Ravelin is celebrating its tenth anniversary this month, and has reaffirmed its commitment to providing cutting-edge technology, as well as conducting and releasing original research and data to help not just its clients but the industry as a whole. CEO at Ravelin, Martin Sweeney, said: *“A proactive 3DS partner can work with you to ensure not just that you’re compliant but that you are making the most of the wealth of data exchanged over 3D Secure servers. Knowing your customers and their payments can enable you to optimize your systems – and ultimately sell more.”* ### About Ravelin AI-native Ravelin provides technology and support that helps 300+ online companies prevent evolving fraud threats and accept payments with confidence. Combining machine learning, graph networks, behavioral analysis, and expert rules, Ravelin has been empowering businesses to draw deeper insights from their customer data to detect fraud, account takeover, and promotion abuse, and increase payment acceptance for over 10 years. [www.ravelin.com](http://www.ravelin.com) ## Author ![Ravelin Technology](https://storage.googleapis.com/ravelin-website-assets-production/assets/images/_avatarSmall/187712/Ravelin-Symbol-Blue-1.webp) Ravelin Technology Press releases, announcements and official updates from Ravelin Technology. [More from this author](https://www.ravelin.com/author/ravelin-technology) ## Related content [Blog / Payments & payment fraud ### Card payment liability shift – everything you need to know to reduce chargeback burden The knowledge you need to make the most of liability shifts and reap the benefits for your company – including saving money on chargebacks. ![Freddie burgess](https://storage.googleapis.com/ravelin-website-assets-production/assets/images/_33x33_crop_center-center_none_ns/281707/freddie-burgess.webp)Freddie Burgess,Senior Product Support Analyst](https://www.ravelin.com/blog/card-payment-liability-shift-for-chargebacks) [Blog / Fraud analytics ### Refund abuse KPIs: How to measure and reduce refund fraud rates What you need to know to assess and quantify refund abuse – as well as to measure whether your refund abuse solution and strategy are delivering results. ![Can](https://storage.googleapis.com/ravelin-website-assets-production/assets/images/_33x33_crop_center-center_none_ns/280078/can.webp)Can Colak,Senior Product Manager](https://www.ravelin.com/blog/how-to-measure-refund-abuse-kpis) [Blog / Press release ### Driven by AI, customers now rival criminals for ecommerce fraud, say merchants Global ecommerce fraud enters a new phase as losses continue to climb. Merchants now view criminals and their own customers as presenting a comparable risk, and there's a gap in AI adoption. ![Ravelin Symbol Blue 1](https://storage.googleapis.com/ravelin-website-assets-production/assets/images/_33x33_crop_center-center_none_ns/187712/Ravelin-Symbol-Blue-1.webp)Ravelin Technology](https://www.ravelin.com/blog/ravelin-fraud-survey-2026-press-release)