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市場調查報告書
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1946514

3D安全支付認證市場－全球產業規模、佔有率、趨勢、機會及預測（按組件、應用、地區和競爭格局分類，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個工作天內

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簡介目錄

全球 3D 安全支付認證市場預計將從 2025 年的 13.1 億美元成長到 2031 年的 25.9 億美元，複合年成長率為 12.03%。

該市場由旨在驗證數位交易中持卡人身份、防範詐欺的安全通訊協定組成。推動這一市場成長的主要因素是電子商務活動的激增以及面對面卡片詐騙的同步成長，這迫使金融機構和零售商實施更強大的身份驗證系統。英國 Finance) 發布的一份 2024 年報告顯示，遠距購物詐騙造成的損失將增加 11%，達到 3.984 億英鎊，凸顯了可靠的防詐騙工具的緊迫性。

市場概覽
預測期 2027-2031
市場規模：2025年 13.1億美元
市場規模：2031年 25.9億美元
複合年成長率：2026-2031年 12.03%
成長最快的細分市場 商家插件
最大的市場 北美洲

然而，阻礙市場發展的一大障礙是結帳流程中的摩擦風險，這往往會導致較高的購物車放棄率。零售商面臨著如何在不影響用戶體驗的前提下實施嚴格的安全通訊協定的難題，因為複雜的身份驗證程序可能會阻止客戶完成交易。因此，企業被迫在保持強大安全性和確保消費者便利性之間尋求艱難的平衡。

市場促進因素

全球電子商務的持續成長和實體交易量的不斷增加是推動3D Secure系統普及的關鍵因素。隨著消費者轉向線上平台，海量的支付交易量需要強大且可擴充性的身份驗證解決方案，以便在不給支付基礎設施造成過重負擔的情況下驗證身份。線上零售的穩定成長凸顯了安全措施的必要性，這些措施既要支持高速處理，又要確保交易安全。例如，美國人口普查局於2024年11月發布的《2024年第三季零售電子商務銷售額報告》指出，經已調整的美國零售電子商務銷售額較2023年第三季成長了7.5%，這顯示數位購物的持續成長正在推動對檢驗技術的需求。

同時，網路攻擊和線上支付詐騙的日益頻繁迫使相關人員採用更完善的檢驗標準。攻擊者正使用日益複雜的技術來突破傳統的非面對面支付防禦機制，因此需要動態的、基於風險的身份驗證來最大限度地減少經濟損失並保護用戶資訊。根據美國聯邦貿易委員會 (FTC) 於 2024 年 2 月發布的《2023 年消費者監控網路資料輯》， 詐騙%，這進一步增加了對能夠保護各種支付介面的身份驗證系統的需求。

市場挑戰

嚴格的身份驗證標準對全球3D安全支付認證市場構成重大障礙，因為它會增加客戶結帳流程的摩擦。雖然這些通訊協定對安全性至關重要，但所需的操作，例如輸入動態密碼、跳到重定向頁面以及記住靜態密碼，會擾亂現代消費者所期望的流暢交易流程。這些中斷往往會導致延遲和不便，使合法買家在完成購買前放棄。因此，商家通常不願意全面實施嚴格的3D安全設置，擔心這些安全措施導致的轉換率下降幅度甚至超過詐欺本身。

這種摩擦帶來的經濟影響巨大，迫使企業將使用者體驗置於嚴格的安全合規之上。過於繁瑣的身份驗證流程會導致購物車放棄率飆升，直接降低商家收入。 FIDO聯盟2024年的數據顯示，42%的買家在過去一個月內放棄了購買，因為他們忘記了密碼或無法管理結帳時所需的憑證。這項數據凸顯了複雜安全措施與銷售績效之間的直接衝突，由於經銷商努力減少誤拒和客戶流失，反而減緩了市場對複雜安全措施的接受度。

市場趨勢

隨著相關人員能夠實現無縫資料共用和行動最佳化的標準取代傳統基礎設施，EMV 3-D Secure 2.x通訊協定的廣泛應用正在改變整個產業。與先前版本柔軟性、以瀏覽器為中心的設計不同，2.x通訊協定支援發卡機構和商家之間更全面的資料交換，並促進基於風險的分析，通常允許低風險交易無需用戶干預即可完成。這項遷移的驅動力源自於強客戶認證 (SCA) 框架在受監管市場的成功，全球企業都在尋求效仿。根據 Stripe 於 2024 年 8 月發布的報告《美國 3DS 交易分析中的驚人發現》，這些嚴格的標準每年可在歐洲防止約 9 億歐元的詐欺損失，從而推動了國際範圍內的採用。

此外，將生物識別融入支付流程是一項重大進步，它解決了傳統動態密碼(OTP) 固有的使用者摩擦和安全漏洞。透過利用符合 FIDO 標準的通訊協定和裝置原生功能，支付服務正擴大將指紋掃描和臉部認證直接整合到支付工作流程中，以高精度驗證身分。這項轉變改善了使用者體驗，無需記憶靜態密碼，並顯著增強了對中間人攻擊和網路釣魚的防禦能力。萬事達卡於 2024 年 10 月發布的題為《加強 SA 用戶身份驗證》的報告證實，採用生物識別而非基於短信的一次性密碼的發卡機構，欺詐率降低了 32%，這印證了生理認證的有效性。

目錄

第1章概述

第2章調查方法

第3章執行摘要

第4章：客戶評價

第5章 全球3D安全支付認證市場展望

  • 市場規模及預測
    • 按金額
  • 市佔率及預測
    • 按組件（商家插件、存取控制伺服器）
    • 透過應用程式（商家/付款閘道、銀行）
    • 按地區
    • 按公司（2025 年）
  • 市場地圖

第6章 北美3D安全支付認證市場展望

  • 市場規模及預測
  • 市佔率及預測
  • 北美洲：國家分析
    • 美國
    • 加拿大
    • 墨西哥

第7章：歐洲3D安全支付認證市場展望

  • 市場規模及預測
  • 市佔率及預測
  • 歐洲：國家分析
    • 德國
    • 法國
    • 英國
    • 義大利
    • 西班牙

8. 亞太地區3D安全支付認證市場展望

  • 市場規模及預測
  • 市佔率及預測
  • 亞太地區：國家分析
    • 中國
    • 印度
    • 日本
    • 韓國
    • 澳洲

9. 中東和非洲3D安全支付認證市場展望

  • 市場規模及預測
  • 市佔率及預測
  • 中東和非洲：國家分析
    • 沙烏地阿拉伯
    • 阿拉伯聯合大公國
    • 南非

第10章：南美3D安全支付認證市場展望

  • 市場規模及預測
  • 市佔率及預測
  • 南美洲：國家分析
    • 巴西
    • 哥倫比亞
    • 阿根廷

第11章 市場動態

  • 促進要素
  • 任務

第12章 市場趨勢與發展

  • 併購
  • 產品發布
  • 最新進展

第13章 全球3D安全支付認證市場：SWOT分析

第14章：波特五力分析

  • 產業競爭
  • 新進入者的可能性
  • 供應商電力
  • 顧客權力
  • 替代品的威脅

第15章 競爭格局

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

第16章 策略建議

第17章：關於研究公司及免責聲明

簡介目錄
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