2025年支付欺诈报告

Contents List ofchartsand tables Chart 1a: Absolute and relative levels of fraud by type of payment instrument (in values)................11Chart 2: Average value of a transaction and a fraudulent transaction by payment instrument..........16Chart 3: Value shares of non-remotely versus remotely initiated payment transactions and fraud...17Chart 4: Volume shares of non-remotely versus remotely initiated payment transactions and fraud18Chart 5: Composition of the value of fraud by main types of fraud.....................................................20Chart 6: Composition of the volume of fraud by main fraud types......................................................21Chart 7: Composition of the value (left) and volume (right) of card fraud by initiation channel andfraud type (2024)...................................................................................................................................22Chart 8: Share of SCA vs non-SCA transactions for credit transfers, card payments and e-moneypayments (in value)...............................................................................................................................24Chart 9: Share of SCA vs non-SCA transactions for credit transfers, card payments and e-moneypayments (in volumes)..........................................................................................................................25Chart 10: Fraud rates for SCA vs non-SCA-authenticated transactions by payment instrument andgeography (in value)..............................................................................................................................26Chart 11: Fraud rates for SCA vs non-SCA-authenticated transactions by payment instrument andgeography (in volumes).........................................................................................................................27Chart 12:Composition of the volume of electronic credit transfers without SCA by exemption type28Chart 13: Fraud rates of credit transfers without SCA by reason for not applying SCA (in value)........29Chart 14: Composition of the volume of electronic card payments without SCA by reason for notapplying SCA..........................................................................................................................................30Chart 15: Composition of the volume of e-money transactions without SCA by reason for not applyingSCA.........................................................................................................................................................31Chart 16: Fraud rates for card payments without SCA by initiation channel and reason for notapplying SCA (in value)..........................................................................................................................32Chart 17: Fraud rates for e-money transactions without SCA by reason for not applying SCA (in value)...............................................................................................................................................................33Chart 18: Total value of reported losses due to fraud by liability bearer.............................................34Chart 19: Composition of losses by liability bearer and payment instrument.....................................35Chart 25: Composition of payment transactions and fraud by instrument and geographicaldimensionI............................................................................................................................................42Chart 26: Composition of payment transactions and fraud by instrument and geographicaldimensionII...........................................................................................................................................42 Table 1: Absolute and relative levels of payment fraud in value terms (H1 2023, value inEUR).........45Table 2: Absolute and relative levels of payment fraud in volume terms (H1 2023)...........................45 Abbreviations Executive Summary This report, jointly prepared by the EBA and the ECB, assesses the latest payment data reported to theEBA and the ECB under Article 96(6) of Directive EU 2015/2366 (therevisedPayment Services Directive,PSD2). It covers semi-annual data reported for thesixreference periods H1 2022, H2 2022,H1 2023,H2 2023, H1 2024 and H2 2024andanalysescredit transfers, direct debits, card payments (from anEU/EEA issuing perspective), cash withdrawals and e-money transactions. The data covers all EU/EEA The reportprovides detailed analyses on specific topics such as the main fraud typesandtheapplication ofstrongcustomerauthentication (SCA), as well as some geographical and country-levelanalyses.In addition, it comprises a box on instantcredit transfersbased on data collected under the The report assesses payment fraud reported by industry across the European Economic Area (EEA),which amounted toEUR4.2billionin the year 2024.Mostpayment fraudbyvaluearose