세계의 3D 시큐어 결제 인증 시장 예측(-2032년) : 컴포넌트별, 인증 유형별, 결제 인터페이스별, 용도별, 최종사용자별, 지역별 분석

According to Stratistics MRC, the Global 3D Secure Payment Authentication Market is accounted for $1.65 billion in 2025 and is expected to reach $4.33 billion by 2032 growing at a CAGR of 14.7% during the forecast period.3D Secure Payment Authentication is a security mechanism for online payments that protects against fraud in card-not-present transactions. It introduces an additional authentication step, where users verify their identity via OTPs, passwords, or biometrics before finalizing payments. This process ensures safer transactions for both buyers and merchants, minimizing unauthorized use of cards and promoting trust in digital commerce while adhering to financial security regulations.

Market Dynamics:

Driver:

Rising E-commerce and online transactions

As consumers increasingly rely on mobile apps and web platforms for purchases, the need for robust fraud prevention tools is intensifying. 3D Secure protocols are being widely adopted to enhance transaction safety and reduce chargeback risks. Innovations in biometric verification and AI-driven risk scoring are transforming how merchants validate customer identities. The expansion of digital wallets and embedded finance is further accelerating the integration of secure authentication layers. With growing cross-border transactions and instant payment expectations, the market is witnessing rapid evolution in real-time verification technologies.

Restraint:

Alternative authentication solutions

Solutions like tokenization, biometric authentication, and behavioral analytics offer frictionless user experiences, reducing reliance on traditional step-up verification. Regulatory frameworks such as PSD2 encourage diversified approaches to strong customer authentication, creating competitive pressure. Fintech startups are introducing lightweight, device-native security protocols that bypass conventional plug-ins. Merchants often prefer seamless checkout flows, leading to selective adoption of 3D Secure based on risk profiles. As authentication becomes more decentralized and adaptive, legacy systems face hurdles in maintaining relevance and integration speed.

Opportunity:

Integration with new payment platforms

Platforms like Buy Now Pay Later (BNPL), crypto wallets, and super apps are seeking secure authentication layers to comply with evolving regulatory norms. API-based integration models are enabling seamless deployment of 3D Secure across diverse payment gateways. Cloud-native architectures and microservices are facilitating scalable authentication frameworks for fintechs and neobanks. Emerging markets are rapidly digitizing payments, creating demand for interoperable and mobile-first security protocols. Strategic collaborations between authentication providers and payment platforms are unlocking new monetization channels and user trust mechanisms.

Threat:

Sophistication of fraudulent techniques

Techniques like phishing-as-a-service, synthetic identity fraud, and deepfake biometrics are undermining traditional verification methods. Fraud detection engines must evolve to incorporate machine learning and real-time behavioral analysis to stay ahead. The rise of account takeover and credential stuffing attacks is prompting a shift toward adaptive authentication. Regulatory bodies are mandating stronger compliance and audit trails, increasing operational complexity for merchants. Without continuous innovation and threat intelligence integration, authentication systems risk becoming obsolete against evolving fraud landscapes.

Covid-19 Impact

The pandemic accelerated digital payment adoption, intensifying the need for secure online transaction protocols. With physical retail disrupted, e-commerce platforms saw exponential growth, driving demand for frictionless yet secure authentication. Remote onboarding and digital identity verification became critical, prompting upgrades in 3D Secure infrastructure. Regulatory agencies relaxed certain compliance norms to support rapid digital transformation, enabling faster deployment of authentication tools. The crisis also highlighted the importance of multi-factor authentication and real-time fraud monitoring in safeguarding digital commerce.

The merchant plug-in (MPI) segment is expected to be the largest during the forecast period

The merchant plug-in (MPI) segment is expected to account for the largest market share during the forecast period, due to its central role in facilitating secure transaction flows. MPIs act as the gateway for initiating 3D secure authentication, making them indispensable for e-commerce platforms. Technological advancements in plug-in architecture are enabling faster response times and improved compatibility with diverse payment systems. Vendors are enhancing MPI modules with AI-based fraud detection and dynamic risk assessment features. The growing emphasis on user experience is driving the development of lightweight, mobile-optimized plug-ins. As merchants seek scalable and compliant solutions, MPI remains the backbone of secure digital payment ecosystems.

The BFSI segment is expected to have the highest CAGR during the forecast period

Over the forecast period, the BFSI segment is predicted to witness the highest growth rate, driven by its critical need for secure digital transactions. Banks and financial institutions are rapidly digitizing services, increasing exposure to cyber threats and regulatory scrutiny. Adoption of 3D secure protocols is rising to meet compliance with global standards like PCI DSS and PSD2. Integration of AI-powered authentication and biometric verification is transforming customer onboarding and transaction validation. Fintech innovation and mobile banking expansion are creating demand for flexible, cloud-based security solutions. As financial services embrace digital-first models, the BFSI segment is becoming a key driver of authentication technology evolution.

Region with largest share:

During the forecast period, the Asia Pacific region is expected to hold the largest market share, supported by booming e-commerce and mobile payment adoption. Countries like China, India, and Indonesia are witnessing rapid growth in digital transactions, prompting widespread deployment of 3D secure systems. Government initiatives promoting cashless economies and digital identity frameworks are accelerating market penetration. Local tech firms are collaborating with global authentication providers to enhance security infrastructure. The region is also embracing biometric and AI-based verification to combat rising fraud. With a massive user base and expanding fintech ecosystem, Asia Pacific remains the epicenter of digital payment innovation.

Region with highest CAGR:

Over the forecast period, the North America region is anticipated to exhibit the highest CAGR, fuelled by technological leadership and stringent regulatory mandates. The U.S. and Canada are investing heavily in cybersecurity and digital identity management, driving adoption of advanced authentication protocols. Financial institutions are integrating AI, behavioral analytics, and device fingerprinting to enhance fraud prevention. Regulatory bodies like the FTC and CFPB are pushing for stronger consumer protection, encouraging 3D Secure upgrades. Cloud-native deployment and API-first strategies are enabling rapid integration across payment platforms. As digital commerce matures, North America continues to set the benchmark for secure transaction ecosystems.

Key players in the market

Some of the key players profiled in the 3D Secure Payment Authentication Market include Visa, Mastercard, American Express, Stripe, Adyen, Worldline, FIS, Fiserv, ACI Worldwide, Thales, Signifyd, Sift, BioCatch, Kount, and Entersekt.

Key Developments:

In July2025, Mastercard and BMO announced an expansion of BMO's Global Money Transfer service, powered by Mastercard Move's global money movement capabilities. With the addition of new destinations and currencies, BMO's Canadian personal banking clients will now be able to reach family and friends in nearly 70 destinations across Europe, the Middle East, Africa, Asia Pacific, Latin America and the Caribbean.

In July 2025, Stripe launches new products to accelerate growth for businesses in Germany. Stripe showcased new products to accelerate the growth of German businesses. The announcements were made at Stripe Tour Berlin, the company's annual gathering of business leaders in Germany.

Components Covered:

• Merchant Plug-in (MPI)
• Access Control Server (ACS)
• Authentication APIs
• Server Software & SDKs

Authentication Types Covered:

• 3D Secure 1.0
• 3D Secure 2.0

Payment Interfaces Covered:

• Browser-Based
• Device-Based
• Native App-Based

Applications Covered:

• Banks
• Merchants & Payment Gateways
• Financial Institutions
• E-commerce Platforms
• Other Applications

End Users Covered:

• Retail & E-commerce
• BFSI
• Travel & Hospitality
• Healthcare
• Telecommunications
• Other End Users

Regions Covered:

• North America
  • US
  • Canada
  • Mexico
• Europe
  • Germany
  • UK
  • Italy
  • France
  • Spain
  • Rest of Europe
• Asia Pacific
  • Japan
  • China
  • India
  • Australia
  • New Zealand
  • South Korea
  • Rest of Asia Pacific
• South America
  • Argentina
  • Brazil
  • Chile
  • Rest of South America
• Middle East & Africa
  • Saudi Arabia
  • UAE
  • Qatar
  • South Africa
  • Rest of Middle East & Africa

What our report offers:

• Market share assessments for the regional and country-level segments
• Strategic recommendations for the new entrants
• Covers Market data for the years 2024, 2025, 2026, 2028, and 2032
• Market Trends (Drivers, Constraints, Opportunities, Threats, Challenges, Investment Opportunities, and recommendations)
• Strategic recommendations in key business segments based on the market estimations
• Competitive landscaping mapping the key common trends
• Company profiling with detailed strategies, financials, and recent developments
• Supply chain trends mapping the latest technological advancements

Free Customization Offerings:

All the customers of this report will be entitled to receive one of the following free customization options:

• Company Profiling
  • Comprehensive profiling of additional market players (up to 3)
  • SWOT Analysis of key players (up to 3)
• Regional Segmentation
  • Market estimations, Forecasts and CAGR of any prominent country as per the client's interest (Note: Depends on feasibility check)
• Competitive Benchmarking
  • Benchmarking of key players based on product portfolio, geographical presence, and strategic alliances

Table of Contents

1 Executive Summary

2 Preface

• 2.1 Abstract
• 2.2 Stake Holders
• 2.3 Research Scope
• 2.4 Research Methodology
  • 2.4.1 Data Mining
  • 2.4.2 Data Analysis
  • 2.4.3 Data Validation
  • 2.4.4 Research Approach
• 2.5 Research Sources
  • 2.5.1 Primary Research Sources
  • 2.5.2 Secondary Research Sources
  • 2.5.3 Assumptions

3 Market Trend Analysis

• 3.1 Introduction
• 3.2 Drivers
• 3.3 Restraints
• 3.4 Opportunities
• 3.5 Threats
• 3.6 Application Analysis
• 3.7 End User Analysis
• 3.8 Emerging Markets
• 3.9 Impact of Covid-19

4 Porters Five Force Analysis

• 4.1 Bargaining power of suppliers
• 4.2 Bargaining power of buyers
• 4.3 Threat of substitutes
• 4.4 Threat of new entrants
• 4.5 Competitive rivalry

5 Global 3D Secure Payment Authentication Market, By Component

• 5.1 Introduction
• 5.2 Merchant Plug-in (MPI)
• 5.3 Access Control Server (ACS)
• 5.4 Authentication APIs
• 5.5 Server Software & SDKs

6 Global 3D Secure Payment Authentication Market, By Authentication Type

• 6.1 Introduction
• 6.2 3D Secure 1.0
• 6.3 3D Secure 2.0

7 Global 3D Secure Payment Authentication Market, By Payment Interface

• 7.1 Introduction
• 7.2 Browser-Based
• 7.3 Device-Based
• 7.4 Native App-Based

8 Global 3D Secure Payment Authentication Market, By Application

• 8.1 Introduction
• 8.2 Banks
• 8.3 Merchants & Payment Gateways
• 8.4 Financial Institutions
• 8.5 E-commerce Platforms
• 8.6 Other Applications

9 Global 3D Secure Payment Authentication Market, By End User

• 9.1 Introduction
• 9.2 Retail & E-commerce
• 9.3 BFSI
• 9.4 Travel & Hospitality
• 9.5 Healthcare
• 9.6 Telecommunications
• 9.7 Other End Users

10 Global 3D Secure Payment Authentication Market, By Geography

• 10.1 Introduction
• 10.2 North America
  • 10.2.1 US
  • 10.2.2 Canada
  • 10.2.3 Mexico
• 10.3 Europe
  • 10.3.1 Germany
  • 10.3.2 UK
  • 10.3.3 Italy
  • 10.3.4 France
  • 10.3.5 Spain
  • 10.3.6 Rest of Europe
• 10.4 Asia Pacific
  • 10.4.1 Japan
  • 10.4.2 China
  • 10.4.3 India
  • 10.4.4 Australia
  • 10.4.5 New Zealand
  • 10.4.6 South Korea
  • 10.4.7 Rest of Asia Pacific
• 10.5 South America
  • 10.5.1 Argentina
  • 10.5.2 Brazil
  • 10.5.3 Chile
  • 10.5.4 Rest of South America
• 10.6 Middle East & Africa
  • 10.6.1 Saudi Arabia
  • 10.6.2 UAE
  • 10.6.3 Qatar
  • 10.6.4 South Africa
  • 10.6.5 Rest of Middle East & Africa

11 Key Developments

• 11.1 Agreements, Partnerships, Collaborations and Joint Ventures
• 11.2 Acquisitions & Mergers
• 11.3 New Product Launch
• 11.4 Expansions
• 11.5 Other Key Strategies

12 Company Profiling

• 12.1 Visa
• 12.2 Mastercard
• 12.3 American Express
• 12.4 Stripe
• 12.5 Adyen
• 12.6 Worldline
• 12.7 FIS
• 12.8 Fiserv
• 12.9 ACI Worldwide
• 12.10 Thales
• 12.11 Signifyd
• 12.12 Sift
• 12.13 BioCatch
• 12.14 Kount
• 12.15 Entersekt