New trends in global card fraud: How 3D Secure and regional mandates are affecting risk

Stripe’s analysis of billions of transactions from January 2022 through March 2026 finds that international expansion exposes businesses to sharply different fraud conditions, authentication practices, and regulations across markets. Asia Pacific recorded the most consistent decline in card fraud from 2022 to 2025 and had the lowest regional rate by early 2026, with stricter 3D Secure requirements in markets such as Malaysia and Japan associated with substantial improvements. Europe’s fraud rate declined 21% overall, led by decreases in France and Great Britain, where established strong-authentication systems and consumer familiarity with verification contribute to lower risk, while Spain and Portugal experienced rising fraud linked partly to reliance on SMS codes and smishing attacks. Latin America maintained the highest fraud rates, reaching 160% above Europe, the Middle East, and Africa in 2025, despite improvements in some countries, because of factors including cash-heavy economies, uneven rules, cardholder-favorable disputes, and varying electronic-invoicing requirements. Stripe highlights its expanded Radar fraud-prevention tools and AI-optimized 3D Secure authentication as ways businesses can manage fraud and compliance while entering additional markets.

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