2025年全球电子商务支付与欺诈报告（英）

See survey results on: • Payment acceptance• Payment metrics and tactics• Fraud attacks and metrics• Post-purchase fraud and abuse• Fraud management Contents SectionOverview XXXXSurvey methodology and sample5 Executive summary XXXX6 Section 1: Payment acceptance Section 2: Payment metrics and tactics Section 3: Fraud attacks and metrics Section 4: Post-purchase fraud and abuse Conclusion About the authorsAppendix: Questions asked in the survey In partnership with the Merchant Risk Council [MRC], the Visa Acceptance Solutions and Verifi teams are proudto present the results of the 2025 Global eCommerce Payments & Fraud survey. The purpose of this report is to This year’s report is based on our annual global survey of over 1,000 total eCommerce merchants. The survey sampleincludes a diverse mix of small-business [SMB], mid-market, and enterprise merchants representing organizationsbased in over 35 countries throughout North America and Europe, as well as the Asia-Pacific [APAC] and Latin America Leveraging our robust survey dataset, this report delves into the eCommerce payments landscape to shed lighton the payment acceptance and payment management practices that merchants are deploying, as well as the key Survey methodology and sample The survey for this year’s report was fielded in October to November of 2024. In total, 1,082 merchant professionalsinvolved in eCommerce payment and fraud management (including 70 MRC members) completed the survey. Among the 70 MRC members participating in this year’s survey sample, around six in 10 (57%) are based in NorthAmerica, with the remainder based primarily in Europe (24%). The vast majority (at least 74%) of MRC respondents Figure 3 Executive summary The key insights from the 2025 Payments & Fraud report are organized into five sections in this report. The first two 1. Payment acceptance Merchants keep acceptance offerings consistent, while showing rapid uptake of •Merchants continue to accept a handful of different payment methods, with the majoritytaking cards, eWallets, and debit transfers. Over one-third also accept mCommerce, RTP, andbuy-now-pay-later (BNPL) payments.•Roughly one-quarter added no new payment methods this year, signaling increased •90% of merchants have preferred payment methods they encourage eCommerce customersto use, typically through promotions and incentives at checkout.• Marketplaces, gateways, acquirers remain key partners for supporting •Third-party marketplaces remain key sales and acceptance partners, especially for midsizemerchants.• 2. Payment metrics and tactics Key payment indicators abound, but seven stand out as most critical for •Out of 14 payment metrics tested in this year’s survey, over 50% of merchants rate every metric“very or extremely important” to their organization.•But six metrics stand out as “extremely important” to over 4 in 10, globally: revenue, successrate, loss rates, authentication rate, authorization rate, and cost of payments. Loss rate, inparticular, has grown significantly in importance, over the past year. And there is a seventhmetric — cost of service / cost per customer – that stands on the cusp of joining this set of “corepayment indicators,” as well (sitting just below the threshold, with 39% of merchants rating itextremely important).• SMBs and MRC members focus mainly on the most critical metrics, while larger merchants andnon-MRC enterprises consider a wider range of KPIs to be highly important to their business. Understand how your business can transform yourdisconnected systems into a modern, connectedecosystem that delights customers and boosts Authorization and tokenization tactics persist, especially among large merchants •Over 90% use various approaches to boost authorization rates, with Strong CustomerAuthentication (SCA) one of the most popular (used by 40%).•6 in 10 merchants use tokenization in payments to reinforce payment security, boostauthorization rates, and enable convenient payment experiences. See how Token Management Service can help youreinforce security, enable network tokens to boost 3. Fraud attacks and metrics Fraud rates are down, with significant declines in first-party misuse, card testing •Fraud rates are down across the board, reversing a multi-year trend of increasing incidence.•Significant declines reported in incidence of first-party misuse, card testing, and triangulationschemes.•The dip in first-party misuse is notable, as this form of fraud has risen rapidly over the past twoyears. Other fraud-related metrics also show improvement •Additional fraud metrics show marginal year-over-year improvements.•Order rejection rates declined significantly over the past year.• MRC members lead the way in fraud prevention, reporting better metrics despite Despite experiencing more attacks each year, MRC members report significantly better fraud •Lower fraud rates by order and by revenue•Lower rejection rates•Higher dispute win rates 4.