PSD2 and global payment regulation map
Track the implementation plans for PSD2, strong customer authentication and major online payment directives.
Country-level analysis of millions of Ravelin transactions sent to 3D Secure.
Europe
South America
North America
Asia & Australia
Africa
United Kingdom
NCA
National Bank of Belgium
Status
The National Bank has announced it will release a migration plan and support the delayed final delivery date of December 31, 2020.
3D Secure
acceptance rate is
72
%
of payments are lost through 3D Secure
28
%
Average time
to authenticate is
seconds
46
26
%
Belgium
NATIONAL AVERAGE
NATIONAL AVERAGE
Belgium
united kingdom
NCA
Financial Conduct Authority
Status
The FCA have confirmed they will delay full enforcement until 14 March 2021 to allow time for businesses to create migration plans. UK Finance has developed a rollout plan on behalf of the FCA, with staged compliance points from 14th September 2019 to 14th March 2021.
NATIONAL AVERAGE
3D Secure
acceptance rate is
76
%
of payments are lost through 3D Secure
24
%
NATIONAL AVERAGE
Average time
to authenticate is
seconds
29
3
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
France
Spain
Portugal
Ireland
Iceland
Norway
Sweden
Finland
Denmark
Netherlands
Germany
Poland
Estonia
Latvia
Lithuania
Czech Republic
Slovakia
Romania
Hungary
Austria
Luxembourg
Liechtenstein
Italy
Slovenia
Croatia
Bulgaria
Greece
Republic
of Cyprus
Malta
Sweden
NCA
Financial Supervisory Authority (Finansinspektionen)
Status
The FSA has confirmed that no general transition period will apply, as the Swedish market already has SCA-compliant solutions available. Individual issuers and acquirers can apply to the FSA for more time to comply and this will be granted on a case-by-case basis.
NATIONAL AVERAGE
3D Secure
acceptance rate is
86
%
of payments are lost through 3D Secure
14
%
NATIONAL AVERAGE
Average time
to authenticate is
seconds
38
17
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
Spain
NCA
Banco de España
Status
The regulator has confirmed there will be a delay and there have been rumours of a three-year timetable, similar to France.
NATIONAL AVERAGE
3D Secure
acceptance rate is
72
%
of payments are lost through 3D Secure
28
%
NATIONAL AVERAGE
Average time
to authenticate is
seconds
39
7
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
Slovenia
NCA
National Bank of Slovenia
Status
The regulator has announced it will delay enforcement of SCA and will release more details before the end of 2019.
NATIONAL AVERAGE
3D Secure
acceptance rate is
65
%
of payments are lost through 3D Secure
35
%
GLOBAL AVERAGE
Average time
to authenticate is
seconds
41
6
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
Slovakia
NCA
National Bank of Slovakia
Status
The regulator has not publicly commented on timescales or migration.
NATIONAL AVERAGE
3D Secure
acceptance rate is
82
%
of payments are lost through 3D Secure
18
%
NATIONAL AVERAGE
Average time
to authenticate is
seconds
52
12
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
Romania
NCA
National Bank of Romania
Status
The regulator has not publicly commented on timescales or migration. There was a delay implementing PSD2 into local law, which could mean that there will be delayed implementation of SCA.
NATIONAL AVERAGE
3D Secure
acceptance rate is
80
%
of payments are lost through 3D Secure
20
%
NATIONAL AVERAGE
Average time
to authenticate is
seconds
40
8
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
Republic of Cyprus
NCA
Bank of Cyprus
Status
The regulator has not publicly commented on timescales or migration. However, it has announced new authentication security measures for logging into 1bank, an online banking platform.
NATIONAL AVERAGE
3D Secure
acceptance rate is
72
%
of payments are lost through 3D Secure
28
%
GLOBAL AVERAGE
Average time
to authenticate is
seconds
41
6
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
Portugal
NCA
Banco de Portugal
Status
The regulator has announced it will delay SCA enforcement and is expected to comply
with the EBA final deadline of December 31, 2020.
NATIONAL AVERAGE
3D Secure
acceptance rate is
71
%
of payments are lost through 3D Secure
29
%
GLOBAL AVERAGE
Average time
to authenticate is
seconds
41
6
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
Poland
NCA
Polish Financial Supervision Authority
Status
There was a delay implementing PSD2 into local law, and the regulator will have a limited enforcement extension. Banks will need to contact the regulator in order to secure this delay.
NATIONAL AVERAGE
3D Secure
acceptance rate is
75
%
of payments are lost through 3D Secure
25
%
NATIONAL AVERAGE
Average time
to authenticate is
seconds
53
4
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
Norway
NCA
Financial Supervisory Authority of Norway (Finanstilsynet)
Status
The regulator will have a limited enforcement extension. Banks will need to contact the regulator in order to secure this delay.
NATIONAL AVERAGE
3D Secure
acceptance rate is
83
%
of payments are lost through 3D Secure
17
%
NATIONAL AVERAGE
Average time
to authenticate is
seconds
44
10
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
Netherlands
NCA
De Nederlandsche Bank
Status
Most industry players are expected to be ready for the September deadline, as a form of SCA already exists in the Netherlands. The regulator has acknowledged the transition period and will be working on a roll-out plan.
NATIONAL AVERAGE
3D Secure
acceptance rate is
69
%
of payments are lost through 3D Secure
31
%
NATIONAL AVERAGE
Average time
to authenticate is
seconds
64
5
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
Malta
NCA
Central Bank of Malta and Malta Financial Services Authority
Status
The regulator has announced it will delay implementation and is working
on a migration plan.
NATIONAL AVERAGE
3D Secure
acceptance rate is
81
%
of payments are lost through 3D Secure
19
%
GLOBAL AVERAGE
Average time
to authenticate is
seconds
41
6
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
Luxembourg
NCA
Commission de Surveillance du Secteur Financier
Status
The regulator is expected to comply with the EBA final deadline
of December 31, 2020.
NATIONAL AVERAGE
3D Secure
acceptance rate is
77
%
of payments are lost through 3D Secure
23
%
GLOBAL AVERAGE
Average time
to authenticate is
seconds
41
6
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
Lithuania
NCA
Bank of Lithuania
Status
The regulator has not publicly commented on timescales or migration.
Liechtenstein
NCA
Financial Services Authority
Status
The regulator has not publicly commented on timescales or migration.
GLOBAL AVERAGE
3D Secure
acceptance rate is
77
%
of payments are lost through 3D Secure
23
%
GLOBAL AVERAGE
Average time
to authenticate is
seconds
41
6
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
Latvia
NCA
Financial and Capital Market Commission (FKTK)
Status
The regulator has not publicly commented on timescales or migration.
NATIONAL AVERAGE
3D Secure
acceptance rate is
88
%
of payments are lost through 3D Secure
12
%
GLOBAL AVERAGE
Average time
to authenticate is
seconds
41
6
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
Italy
NCA
Bank of Italy (Banca d'Italia)
Status
Implementation will be delayed as not all the market players are ready. The Bank of Italy will grant an extension for a limited period based on the EBA final deadline - now set as December 31, 2020.
NATIONAL AVERAGE
3D Secure
acceptance rate is
73
%
of payments are lost through 3D Secure
27
%
NATIONAL AVERAGE
Average time
to authenticate is
seconds
51
5
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
Ireland
NCA
Central Bank of Ireland
Status
The Central Bank supports a migration period and will continue to engage with the EBA
and other authorities to agree a harmonised approach.
NATIONAL AVERAGE
3D Secure
acceptance rate is
78
%
of payments are lost through 3D Secure
22
%
NATIONAL AVERAGE
Average time
to authenticate is
seconds
27
2
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
Iceland
NCA
Financial Supervisory Authority
Status
Iceland is a state in European Free Trade Association and accepts legislation through
a different process. The regulator is monitoring the situation and will aim to harmonise
other regulators.
NATIONAL AVERAGE
3D Secure
acceptance rate is
85
%
of payments are lost through 3D Secure
15
%
GLOBAL AVERAGE
Average time
to authenticate is
seconds
41
6
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
Hungary
NCA
Central Bank of Hungary
Status
The Central Bank has announced it will allow a 12-month transition period from the deadline before SCA is enforced.
NATIONAL AVERAGE
3D Secure
acceptance rate is
86
%
of payments are lost through 3D Secure
14
%
GLOBAL AVERAGE
Average time
to authenticate is
seconds
41
6
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
Greece
NCA
Bank of Greece
Status
The Bank of Greece has announced that it will will adopt the EU-wide time frame
(December 31, 2020). Firms will be provided to provide migration plans to the Bank of Greece.
NATIONAL AVERAGE
3D Secure
acceptance rate is
69
%
of payments are lost through 3D Secure
31
%
GLOBAL AVERAGE
Average time
to authenticate is
seconds
41
6
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
Germany
NCA
Federal Financial Supervisory Authority (BaFin) and Bundesbank
Status
BaFin has announced that payments will not be subject to SCA from the 14th September deadline as the market is not yet ready. It's expected to comply with the deadline set by
the EBA of December 31, 2020.
NATIONAL AVERAGE
3D Secure
acceptance rate is
71
%
of payments are lost through 3D Secure
29
%
NATIONAL AVERAGE
Average time
to authenticate is
seconds
38
22
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
France
NCA
French Prudential Supervision and Resolution Authority (Autorité de contrôle prudentiel et de Resolution)
Status
The regulator has announced a three-year migration plan, with the majority expected to be compliant by December 2020 - 15 months on from the September 2019 deadline. All firms, including more complex cases, must be compliant by June 2022.
NATIONAL AVERAGE
3D Secure
acceptance rate is
84
%
of payments are lost through 3D Secure
16
%
NATIONAL AVERAGE
Average time
to authenticate is
seconds
56
4
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
Finland
NCA
Finanssivalvonta (Fin-FSA)
Status
The regulator has set up a PSD2 Monitoring Group to discuss interpretation issues and give guidance. They will be delaying enforcement of SCA and is expected to provide more information before the end of the year.
NATIONAL AVERAGE
3D Secure
acceptance rate is
83
%
of payments are lost through 3D Secure
17
%
GLOBAL AVERAGE
Average time
to authenticate is
seconds
41
6
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
Estonia
NCA
Financial Supervision Authority (Finantsinspektsioon)
Status
The regulator is continuing preparations to ensure payment providers are ready for the SCA deadline. There has been no public indication of a delay.
NATIONAL AVERAGE
3D Secure
acceptance rate is
91
%
of payments are lost through 3D Secure
9
%
GLOBAL AVERAGE
Average time
to authenticate is
seconds
41
6
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
Denmark
NCA
Danish Financial Supervisory Authority (Finanstilsynet)
Status
The regulator has announced an 18 month delay of the enforcement of SCA as not all systems are ready.
NATIONAL AVERAGE
3D Secure
acceptance rate is
86
%
of payments are lost through 3D Secure
14
%
NATIONAL AVERAGE
Average time
to authenticate is
seconds
51
2
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
Czech Republic
NCA
Czech National Bank
Status
The regulator has not publicly commented on timescales or migration.
NATIONAL AVERAGE
3D Secure
acceptance rate is
81
%
of payments are lost through 3D Secure
19
%
NATIONAL AVERAGE
Average time
to authenticate is
seconds
39
12
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
Croatia
NCA
Croatian National Bank for Credit Institutions and Croatian Financial Services Supervisory Agency for Investment Firms
Status
The regulator has not publicly commented on timescales or migration.
NATIONAL AVERAGE
3D Secure
acceptance rate is
69
%
of payments are lost through 3D Secure
31
%
GLOBAL AVERAGE
Average time
to authenticate is
seconds
41
6
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
Bulgaria
NCA
Bulgarian National Bank
Status
The National Bank has acknowledged the EBA opinion. It missed the original deadline
to put PSD2 into law, which means the implementation of SCA is likely to be delayed.
The regulator has not publicly commented on timescales or migration.
NATIONAL AVERAGE
3D Secure
acceptance rate is
64
%
of payments are lost through 3D Secure
36
%
GLOBAL AVERAGE
Average time
to authenticate is
seconds
41
6
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
Austria
NCA
Financial Market Authority
Status
The FMA announced it will postpone the implementation of SCA in Austria for Austrian-issued cards until a joint European deadline is agreed - now set to December 31, 2020. Payment providers are expected to provide the FMA with migration plans.
NATIONAL AVERAGE
3D Secure
acceptance rate is
70
%
of payments are lost through 3D Secure
30
%
NATIONAL AVERAGE
Average time
to authenticate is
seconds
52
3
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
USA
CANADA
uSA
NCA
Federal Reserve Board
Status
No regulation has been announced yet. The card schemes have announced the introduction of 3D Secure 2.0 to replace 1.0 from 2019-2020.
NATIONAL AVERAGE
3D Secure
acceptance rate is
71
%
of payments are lost through 3D Secure
29
%
NATIONAL AVERAGE
Average time
to authenticate is
seconds
16
11
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
CANADA
NCA
Department of Finance
Status
No regulation has been announced yet. The card schemes have announced the introduction of 3D Secure 2.0 to replace 1.0 from 2019-2020.
NATIONAL AVERAGE
3D Secure
acceptance rate is
68
%
of payments are lost through 3D Secure
32
%
NATIONAL AVERAGE
Average time
to authenticate is
seconds
17
10
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
BRAZIL
BRAZIL
NCA
Brazilian Central Bank
Status
Two-factor authentication is required on transactions made using domestic-issued debit cards within Brazil.
NATIONAL AVERAGE
3D Secure
acceptance rate is
42
%
of payments are lost through 3D Secure
58
%
NATIONAL AVERAGE
Average time
to authenticate is
seconds
54
20
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
South
Africa
South Africa
NCA
Payment Association of South Africa
Status
Since 2014, all ecommerce merchants are required to implement two-factor authentication on all credit card transactions.
NATIONAL AVERAGE
3D Secure
acceptance rate is
55
%
of payments are lost through 3D Secure
45
%
GLOBAL AVERAGE
Average time
to authenticate is
seconds
41
6
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
Australia
australia
NCA
Reserve Bank of Australia and the Australian Payments Network (AusPayNet)
Status
AusPayNet released the CNP Fraud Mitigation Framework on 1st July 2019, which is very similar to Europe's PSD2. This requires SCA when a merchant's fraud rate is above the recommended rate for two consecutive quarters.
NATIONAL AVERAGE
3D Secure
acceptance rate is
70
%
of payments are lost through 3D Secure
30
%
NATIONAL AVERAGE
Average time
to authenticate is
seconds
33
2
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
China
china
NCA
China's Central Bank
Status
The majority of transactions are mobile payments made by QR code. Since 2017, QR code transactions above 500 yuan are subjected to additional security checks.
NATIONAL AVERAGE
3D Secure
acceptance rate is
52
%
of payments are lost through 3D Secure
48
%
NATIONAL AVERAGE
Average time
to authenticate is
seconds
27
are frictionless payments
<5 seconds to authenticate
12
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
India
iNDIA
NCA
Reserve Bank of India
Status
Two-factor authentication is required for all domestic debit and credit card transactions over Rs 2000.
NATIONAL AVERAGE
3D Secure
acceptance rate is
68
%
of payments are lost through 3D Secure
32
%
GLOBAL AVERAGE
Average time
to authenticate is
seconds
41
are frictionless payments
<5 seconds to authenticate
6
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
Download the extended report for even more country-level data
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
are frictionless payments
<5 seconds to authenticate
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Download the extended global report
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Download the extended global report
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NATIONAL AVERAGE
3D Secure
acceptance rate is
83
%
of payments are lost through 3D Secure
17
%
GLOBAL AVERAGE
Average time
to authenticate is
seconds
41
are frictionless payments
<5 seconds to authenticate
6
%
GLOBAL AVERAGE
Top cards by volume - 3D Secure acceptance
76%
78%
86%
66%
GLOBAL AVERAGE
3D Secure acceptance by device channel
Phone
Tablet
Computer
79%
92%
96%
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