3D 보안 결제 인증 시장 - 세계 산업 규모, 점유율, 동향, 기회, 예측 : 컴포넌트별, 용도별, 지역별＆경쟁(2021-2031년)

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.

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