查看购物车
  • Traditional Chinese
  • English
  • Japanese
封面
市场调查报告书
商品编码
1946514

3D安全支付认证市场－全球产业规模、份额、趋势、机会及预测（按组件、应用、地区和竞争格局划分，2021-2031年）

3D Secure Payment Authentication Market - Global Industry Size, Share, Trends, Opportunity, and Forecast Segmented By Component, By Application, By Region & Competition, 2021-2031F
出版日期: | 出版商: TechSci Research | 英文 185 Pages | 商品交期: 2-3个工作天内

价格

We offer 8 hour analyst time for an additional research. Please contact us for the details.

简介目录

全球 3D 安全支付认证市场预计将从 2025 年的 13.1 亿美元成长到 2031 年的 25.9 亿美元，复合年增长率为 12.03%。

该市场由旨在验证数位交易中持卡人身份、防范诈欺的安全通讯协定组成。推动这一市场成长的主要因素是电子商务活动的激增以及面对面卡片诈骗的同步增长，这迫使金融机构和零售商实施更强大的身份验证系统。英国 Finance) 发布的一份 2024 年报告显示，远距购物诈骗造成的损失将增加 11%，达到 3.984 亿英镑，凸显了可靠的防诈骗工具的紧迫性。

市场概览
预测期 2027-2031
市场规模：2025年 13.1亿美元
市场规模：2031年 25.9亿美元
复合年增长率：2026-2031年 12.03%
成长最快的细分市场 商家插件
最大的市场 北美洲

然而，阻碍市场发展的一大障碍是结帐流程中的摩擦风险，这往往会导致较高的购物车放弃率。零售商面临着如何在不影响用户体验的前提下实施严格的安全通讯协定的难题，因为复杂的身份验证程序可能会阻止客户完成交易。因此，企业被迫在保持强大安全性和确保消费者便利性之间寻求艰难的平衡。

市场驱动因素

全球电子商务的持续成长和实体交易量的不断增加是推动3D Secure系统普及的关键因素。随着消费者转向线上平台，海量的支付交易量需要强大且可扩充性的身份验证解决方案，以便在不给支付基础设施造成过重负担的情况下验证身份。线上零售的稳定成长凸显了安全措施的必要性，这些措施既要支持高速处理，又要确保交易安全。例如，美国人口普查局于2024年11月发布的《2024年第三季零售电子商务销售额报告》指出，经已调整的美国零售电子商务销售额较2023年第三季成长了7.5%，这显示数位购物的持续成长正在推动对检验技术的需求。

同时，网路攻击和线上支付诈骗的日益频繁迫使相关人员采用更完善的检验标准。攻击者正使用日益复杂的技术来突破传统的非面对面支付防御机制，因此需要动态的、基于风险的身份验证来最大限度地减少经济损失并保护用户资讯。根据美国联邦贸易委员会 (FTC) 于 2024 年 2 月发布的《2023 年消费者监控网路资料辑》， 诈骗%，这进一步增加了对能够保护各种支付介面的身份验证系统的需求。

市场挑战

严格的身份验证标准对全球3D安全支付认证市场构成重大障碍，因为它会增加客户结帐流程的摩擦。虽然这些通讯协定对安全性至关重要，但所需的操作，例如输入动态密码、跳到重定向页面以及记住静态密码，会扰乱现代消费者所期望的流畅交易流程。这些中断往往会导致延迟和不便，使合法买家在完成购买前放弃。因此，商家通常不愿意全面实施严格的3D安全设置，担心这些安全措施导致的转换率下降幅度甚至超过诈欺本身。

这种摩擦带来的经济影响巨大，迫使企业将使用者体验置于严格的安全合规之上。过于繁琐的身份验证流程会导致购物车放弃率飙升，直接降低商家收入。 FIDO联盟2024年的数据显示，42%的买家在过去一个月内放弃了购买，因为他们忘记了密码或无法管理结帐时所需的凭证。这项数据凸显了复杂安全措施与销售绩效之间的直接衝突，由于经销商努力减少误拒和客户流失，反而减缓了市场对复杂安全措施的接受度。

市场趋势

随着相关人员能够实现无缝资料共用和行动优化的标准取代传统基础设施，EMV 3-D Secure 2.x通讯协定的广泛应用正在改变整个产业。与先前版本柔软性、以浏览器为中心的设计不同，2.x通讯协定支援发卡机构和商家之间更全面的资料交换，并促进基于风险的分析，通常允许低风险交易无需用户干预即可完成。这项迁移的驱动力源自于强客户认证 (SCA) 框架在受监管市场的成功，全球企业都在寻求效仿。根据 Stripe 于 2024 年 8 月发布的报告《美国 3DS 交易分析中的惊人发现》，这些严格的标准每年可在欧洲防止约 9 亿欧元的诈欺损失，从而推动了国际范围内的采用。

此外，将生物识别融入支付流程是一项重大进步，它解决了传统动态密码(OTP) 固有的使用者摩擦和安全漏洞。透过利用符合 FIDO 标准的通讯协定和装置原生功能，支付服务正越来越多地将指纹扫描和脸部认证直接整合到支付工作流程中，以高精度验证身分。这项转变改善了使用者体验，无需记忆静态密码，并显着增强了对中间人攻击和网路钓鱼的防御能力。万事达卡于 2024 年 10 月发布的题为《加强 SA 用户身份验证》的报告证实，采用生物识别而非基于短信的一次性密码的发卡机构，欺诈率降低了 32%，这印证了生理认证的有效性。

目录

第一章概述

第二章调查方法

第三章执行摘要

第四章：客户评价

第五章 全球3D安全支付认证市场展望

  • 市场规模及预测
    • 按金额
  • 市占率及预测
    • 按组件（商家插件、存取控制伺服器）
    • 透过应用程式（商家/付款闸道、银行）
    • 按地区
    • 按公司（2025 年）
  • 市场地图

第六章 北美3D安全支付认证市场展望

  • 市场规模及预测
  • 市占率及预测
  • 北美洲：国家分析
    • 我们
    • 加拿大
    • 墨西哥

第七章：欧洲3D安全支付认证市场展望

  • 市场规模及预测
  • 市占率及预测
  • 欧洲：国家分析
    • 德国
    • 法国
    • 英国
    • 义大利
    • 西班牙

8. 亚太地区3D安全支付认证市场展望

  • 市场规模及预测
  • 市占率及预测
  • 亚太地区：国家分析
    • 中国
    • 印度
    • 日本
    • 韩国
    • 澳洲

9. 中东和非洲3D安全支付认证市场展望

  • 市场规模及预测
  • 市占率及预测
  • 中东和非洲：国家分析
    • 沙乌地阿拉伯
    • 阿拉伯聯合大公国
    • 南非

第十章：南美3D安全支付认证市场展望

  • 市场规模及预测
  • 市占率及预测
  • 南美洲：国家分析
    • 巴西
    • 哥伦比亚
    • 阿根廷

第十一章 市场动态

  • 司机
  • 任务

第十二章 市场趋势与发展

  • 併购
  • 产品发布
  • 最新进展

第十三章 全球3D安全支付认证市场：SWOT分析

第十四章：波特五力分析

  • 产业竞争
  • 新进入者的可能性
  • 供应商电力
  • 顾客权力
  • 替代品的威胁

第十五章 竞争格局

  • Visa Inc.
  • Mastercard Incorporated
  • American Express Company
  • Broadcom Inc.
  • Modirum Oy
  • GPayments Pty Ltd.
  • CardinalCommerce Corporation
  • RSA Security LLC
  • Entersekt
  • Worldline

第十六章 策略建议

第十七章：关于研究公司及免责声明

简介目录
Product Code: 19560

The Global 3D Secure Payment Authentication Market is projected to expand from USD 1.31 Billion in 2025 to USD 2.59 Billion by 2031, registering a CAGR of 12.03%. This market consists of security protocols designed to verify cardholder identities during digital transactions, thereby establishing a defense against unauthorized usage. The primary motivation behind this growth is the rapid increase in e-commerce activities combined with a simultaneous escalation in card-not-present fraud, necessitating that financial institutions and retailers implement strong verification systems. UK Finance reported in 2024 that losses from remote purchase fraud climbed by 11% to reach £398.4 million, highlighting the urgent requirement for reliable fraud prevention tools.

Market Overview
Forecast Period2027-2031
Market Size 2025USD 1.31 Billion
Market Size 2031USD 2.59 Billion
CAGR 2026-203112.03%
Fastest Growing SegmentMerchant Plug-In
Largest MarketNorth America

Conversely, a major obstacle hindering market progress is the risk of introducing friction into the checkout process, which frequently leads to elevated cart abandonment. Retailers encounter the difficult task of applying strict security protocols without degrading the user experience, as complicated authentication procedures can discourage customers from finalizing transactions. Consequently, businesses are compelled to seek a difficult equilibrium between maintaining robust security and ensuring consumer convenience.

Market Driver

The continuous growth of global e-commerce and the volume of card-not-present transactions act as key drivers for the implementation of 3D Secure systems. As shoppers increasingly migrate to online platforms, the massive quantity of payments requires robust, scalable authentication solutions capable of verifying identities without overburdening payment infrastructure. This steady rise in online retail emphasizes the necessity for security measures that support high-speed processing while preserving transaction security. For instance, the U.S. Census Bureau's 'Quarterly Retail E-Commerce Sales, 3rd Quarter 2024' report from November 2024 noted a 7.5 percent rise in adjusted U.S. retail e-commerce sales compared to the third quarter of 2023, indicating persistent growth in digital buying that drives demand for verification technologies.

Concurrently, the rising frequency of cyberattacks and online payment fraud pushes stakeholders to adopt superior verification standards. Attackers employ increasingly sophisticated methods to breach traditional card-not-present defenses, requiring dynamic, risk-based authentication to minimize financial damage and safeguard user information. The Federal Trade Commission's 'Consumer Sentinel Network Data Book 2023', released in February 2024, revealed that consumers lost over $10 billion to fraud in 2023, a 14% rise from the prior year. Furthermore, the variety of payment options complicates the security landscape; according to Worldpay in 2024, digital wallets comprised 50% of global e-commerce transaction value, reinforcing the need for authentication systems that can protect a wide range of payment interfaces.

Market Challenge

Enforcing strict authentication standards poses a substantial hurdle to the Global 3D Secure Payment Authentication Market by adding friction to the customer's checkout journey. Although these protocols are vital for security, the necessary actions-such as inputting one-time passcodes, dealing with redirection screens, or remembering static passwords-interrupt the smooth transaction process that modern consumers demand. This interruption often results in delays and annoyance, leading legitimate buyers to abandon their purchases before they are finalized. As a result, merchants are often reluctant to fully implement rigorous 3D Secure settings, concerned that these security measures will damage conversion rates more severely than fraud itself.

The financial consequences of this friction are significant, forcing companies to favor user experience over strict security adherence. When the authentication process becomes overly arduous, cart abandonment rates increase rapidly, directly reducing merchant income. Data from the FIDO Alliance in 2024 indicates that 42% of shoppers had abandoned a purchase within the prior month specifically because they could not recall a password or manage the necessary authentication credentials at checkout. This figure highlights the direct conflict between complex security and sales results, slowing market adoption as merchants strive to reduce false declines and customer attrition.

Market Trends

The broad transition toward EMV 3-D Secure 2.x protocols is transforming the industry as stakeholders replace legacy infrastructure with standards that enable seamless data sharing and mobile optimization. Unlike the inflexible, browser-centric design of earlier versions, the 2.x protocol allows for more comprehensive data exchange between issuers and merchants, facilitating risk-based analysis that often permits low-risk transactions to pass without user involvement. This shift is strongly encouraged by the demonstrated success of Strong Customer Authentication (SCA) frameworks in regulated markets, which global players aim to emulate. A Stripe report from August 2024, titled 'Surprising findings from our analysis of 3DS transactions in the US', notes that these strict standards have blocked roughly €900 million in annual fraud across Europe, a statistic that is propelling international adoption efforts.

Additionally, the incorporation of Biometric Verification into payment processes marks a significant advancement, tackling the user friction and security flaws inherent in traditional one-time passcodes (OTPs). By utilizing FIDO-compliant protocols and the native capabilities of devices, payment services are increasingly integrating fingerprint scanning and facial recognition directly into checkout workflows to verify identities with high accuracy. This transition improves the user experience by removing the need to remember static passwords and substantially strengthens defenses against man-in-the-middle attacks and phishing. As reported by Mastercard in October 2024 regarding their 'Improved Identity Check for SA Users', issuers saw a 32% reduction in fraud when using biometric authentication rather than SMS one-time PINs, confirming the operational effectiveness of physiological verification.

Key Market Players

  • Visa Inc.
  • Mastercard Incorporated
  • American Express Company
  • Broadcom Inc.
  • Modirum Oy
  • GPayments Pty Ltd.
  • CardinalCommerce Corporation
  • RSA Security LLC
  • Entersekt
  • Worldline

Report Scope

In this report, the Global 3D Secure Payment Authentication Market has been segmented into the following categories, in addition to the industry trends which have also been detailed below:

3D Secure Payment Authentication Market, By Component

  • Merchant Plug-in
  • Access Control Server

3D Secure Payment Authentication Market, By Application

  • Merchants & Payment Gateway
  • Banks

3D Secure Payment Authentication Market, By Region

  • North America
    • United States
    • Canada
    • Mexico
  • Europe
    • France
    • United Kingdom
    • Italy
    • Germany
    • Spain
  • Asia Pacific
    • China
    • India
    • Japan
    • Australia
    • South Korea
  • South America
    • Brazil
    • Argentina
    • Colombia
  • Middle East & Africa
    • South Africa
    • Saudi Arabia
    • UAE

Competitive Landscape

Company Profiles: Detailed analysis of the major companies present in the Global 3D Secure Payment Authentication Market.

Available Customizations:

Global 3D Secure Payment Authentication Market report with the given market data, TechSci Research offers customizations according to a company's specific needs. The following customization options are available for the report:

Company Information

  • Detailed analysis and profiling of additional market players (up to five).

Table of Contents

1. Product Overview

  • 1.1. Market Definition
  • 1.2. Scope of the Market
    • 1.2.1. Markets Covered
    • 1.2.2. Years Considered for Study
    • 1.2.3. Key Market Segmentations

2. Research Methodology

  • 2.1. Objective of the Study
  • 2.2. Baseline Methodology
  • 2.3. Key Industry Partners
  • 2.4. Major Association and Secondary Sources
  • 2.5. Forecasting Methodology
  • 2.6. Data Triangulation & Validation
  • 2.7. Assumptions and Limitations

3. Executive Summary

  • 3.1. Overview of the Market
  • 3.2. Overview of Key Market Segmentations
  • 3.3. Overview of Key Market Players
  • 3.4. Overview of Key Regions/Countries
  • 3.5. Overview of Market Drivers, Challenges, Trends

4. Voice of Customer

5. Global 3D Secure Payment Authentication Market Outlook

  • 5.1. Market Size & Forecast
    • 5.1.1. By Value
  • 5.2. Market Share & Forecast
    • 5.2.1. By Component (Merchant Plug-in, Access Control Server)
    • 5.2.2. By Application (Merchants & Payment Gateway, Banks)
    • 5.2.3. By Region
    • 5.2.4. By Company (2025)
  • 5.3. Market Map

6. North America 3D Secure Payment Authentication Market Outlook

  • 6.1. Market Size & Forecast
    • 6.1.1. By Value
  • 6.2. Market Share & Forecast
    • 6.2.1. By Component
    • 6.2.2. By Application
    • 6.2.3. By Country
  • 6.3. North America: Country Analysis
    • 6.3.1. United States 3D Secure Payment Authentication Market Outlook
      • 6.3.1.1. Market Size & Forecast
        • 6.3.1.1.1. By Value
      • 6.3.1.2. Market Share & Forecast
        • 6.3.1.2.1. By Component
        • 6.3.1.2.2. By Application
    • 6.3.2. Canada 3D Secure Payment Authentication Market Outlook
      • 6.3.2.1. Market Size & Forecast
        • 6.3.2.1.1. By Value
      • 6.3.2.2. Market Share & Forecast
        • 6.3.2.2.1. By Component
        • 6.3.2.2.2. By Application
    • 6.3.3. Mexico 3D Secure Payment Authentication Market Outlook
      • 6.3.3.1. Market Size & Forecast
        • 6.3.3.1.1. By Value
      • 6.3.3.2. Market Share & Forecast
        • 6.3.3.2.1. By Component
        • 6.3.3.2.2. By Application

7. Europe 3D Secure Payment Authentication Market Outlook

  • 7.1. Market Size & Forecast
    • 7.1.1. By Value
  • 7.2. Market Share & Forecast
    • 7.2.1. By Component
    • 7.2.2. By Application
    • 7.2.3. By Country
  • 7.3. Europe: Country Analysis
    • 7.3.1. Germany 3D Secure Payment Authentication Market Outlook
      • 7.3.1.1. Market Size & Forecast
        • 7.3.1.1.1. By Value
      • 7.3.1.2. Market Share & Forecast
        • 7.3.1.2.1. By Component
        • 7.3.1.2.2. By Application
    • 7.3.2. France 3D Secure Payment Authentication Market Outlook
      • 7.3.2.1. Market Size & Forecast
        • 7.3.2.1.1. By Value
      • 7.3.2.2. Market Share & Forecast
        • 7.3.2.2.1. By Component
        • 7.3.2.2.2. By Application
    • 7.3.3. United Kingdom 3D Secure Payment Authentication Market Outlook
      • 7.3.3.1. Market Size & Forecast
        • 7.3.3.1.1. By Value
      • 7.3.3.2. Market Share & Forecast
        • 7.3.3.2.1. By Component
        • 7.3.3.2.2. By Application
    • 7.3.4. Italy 3D Secure Payment Authentication Market Outlook
      • 7.3.4.1. Market Size & Forecast
        • 7.3.4.1.1. By Value
      • 7.3.4.2. Market Share & Forecast
        • 7.3.4.2.1. By Component
        • 7.3.4.2.2. By Application
    • 7.3.5. Spain 3D Secure Payment Authentication Market Outlook
      • 7.3.5.1. Market Size & Forecast
        • 7.3.5.1.1. By Value
      • 7.3.5.2. Market Share & Forecast
        • 7.3.5.2.1. By Component
        • 7.3.5.2.2. By Application

8. Asia Pacific 3D Secure Payment Authentication Market Outlook

  • 8.1. Market Size & Forecast
    • 8.1.1. By Value
  • 8.2. Market Share & Forecast
    • 8.2.1. By Component
    • 8.2.2. By Application
    • 8.2.3. By Country
  • 8.3. Asia Pacific: Country Analysis
    • 8.3.1. China 3D Secure Payment Authentication Market Outlook
      • 8.3.1.1. Market Size & Forecast
        • 8.3.1.1.1. By Value
      • 8.3.1.2. Market Share & Forecast
        • 8.3.1.2.1. By Component
        • 8.3.1.2.2. By Application
    • 8.3.2. India 3D Secure Payment Authentication Market Outlook
      • 8.3.2.1. Market Size & Forecast
        • 8.3.2.1.1. By Value
      • 8.3.2.2. Market Share & Forecast
        • 8.3.2.2.1. By Component
        • 8.3.2.2.2. By Application
    • 8.3.3. Japan 3D Secure Payment Authentication Market Outlook
      • 8.3.3.1. Market Size & Forecast
        • 8.3.3.1.1. By Value
      • 8.3.3.2. Market Share & Forecast
        • 8.3.3.2.1. By Component
        • 8.3.3.2.2. By Application
    • 8.3.4. South Korea 3D Secure Payment Authentication Market Outlook
      • 8.3.4.1. Market Size & Forecast
        • 8.3.4.1.1. By Value
      • 8.3.4.2. Market Share & Forecast
        • 8.3.4.2.1. By Component
        • 8.3.4.2.2. By Application
    • 8.3.5. Australia 3D Secure Payment Authentication Market Outlook
      • 8.3.5.1. Market Size & Forecast
        • 8.3.5.1.1. By Value
      • 8.3.5.2. Market Share & Forecast
        • 8.3.5.2.1. By Component
        • 8.3.5.2.2. By Application

9. Middle East & Africa 3D Secure Payment Authentication Market Outlook

  • 9.1. Market Size & Forecast
    • 9.1.1. By Value
  • 9.2. Market Share & Forecast
    • 9.2.1. By Component
    • 9.2.2. By Application
    • 9.2.3. By Country
  • 9.3. Middle East & Africa: Country Analysis
    • 9.3.1. Saudi Arabia 3D Secure Payment Authentication Market Outlook
      • 9.3.1.1. Market Size & Forecast
        • 9.3.1.1.1. By Value
      • 9.3.1.2. Market Share & Forecast
        • 9.3.1.2.1. By Component
        • 9.3.1.2.2. By Application
    • 9.3.2. UAE 3D Secure Payment Authentication Market Outlook
      • 9.3.2.1. Market Size & Forecast
        • 9.3.2.1.1. By Value
      • 9.3.2.2. Market Share & Forecast
        • 9.3.2.2.1. By Component
        • 9.3.2.2.2. By Application
    • 9.3.3. South Africa 3D Secure Payment Authentication Market Outlook
      • 9.3.3.1. Market Size & Forecast
        • 9.3.3.1.1. By Value
      • 9.3.3.2. Market Share & Forecast
        • 9.3.3.2.1. By Component
        • 9.3.3.2.2. By Application

10. South America 3D Secure Payment Authentication Market Outlook

  • 10.1. Market Size & Forecast
    • 10.1.1. By Value
  • 10.2. Market Share & Forecast
    • 10.2.1. By Component
    • 10.2.2. By Application
    • 10.2.3. By Country
  • 10.3. South America: Country Analysis
    • 10.3.1. Brazil 3D Secure Payment Authentication Market Outlook
      • 10.3.1.1. Market Size & Forecast
        • 10.3.1.1.1. By Value
      • 10.3.1.2. Market Share & Forecast
        • 10.3.1.2.1. By Component
        • 10.3.1.2.2. By Application
    • 10.3.2. Colombia 3D Secure Payment Authentication Market Outlook
      • 10.3.2.1. Market Size & Forecast
        • 10.3.2.1.1. By Value
      • 10.3.2.2. Market Share & Forecast
        • 10.3.2.2.1. By Component
        • 10.3.2.2.2. By Application
    • 10.3.3. Argentina 3D Secure Payment Authentication Market Outlook
      • 10.3.3.1. Market Size & Forecast
        • 10.3.3.1.1. By Value
      • 10.3.3.2. Market Share & Forecast
        • 10.3.3.2.1. By Component
        • 10.3.3.2.2. By Application

11. Market Dynamics

  • 11.1. Drivers
  • 11.2. Challenges

12. Market Trends & Developments

  • 12.1. Merger & Acquisition (If Any)
  • 12.2. Product Launches (If Any)
  • 12.3. Recent Developments

13. Global 3D Secure Payment Authentication Market: SWOT Analysis

14. Porter's Five Forces Analysis

  • 14.1. Competition in the Industry
  • 14.2. Potential of New Entrants
  • 14.3. Power of Suppliers
  • 14.4. Power of Customers
  • 14.5. Threat of Substitute Products

15. Competitive Landscape

  • 15.1. Visa Inc.
    • 15.1.1. Business Overview
    • 15.1.2. Products & Services
    • 15.1.3. Recent Developments
    • 15.1.4. Key Personnel
    • 15.1.5. SWOT Analysis
  • 15.2. Mastercard Incorporated
  • 15.3. American Express Company
  • 15.4. Broadcom Inc.
  • 15.5. Modirum Oy
  • 15.6. GPayments Pty Ltd.
  • 15.7. CardinalCommerce Corporation
  • 15.8. RSA Security LLC
  • 15.9. Entersekt
  • 15.10. Worldline

16. Strategic Recommendations

17. About Us & Disclaimer