3D Secure Payment Market Report 2026

The 3d secure payment market size has grown rapidly in recent years. It will grow from $1.6 billion in 2025 to $1.83 billion in 2026 at a compound annual growth rate (CAGR) of 14.1%. The growth in the historic period can be attributed to growth in online card transactions, rising card-not-present fraud, early regulatory mandates for transaction security, increasing use of debit and credit cards, initial adoption of secure payment gateways.

The 3d secure payment market size is expected to see rapid growth in the next few years. It will grow to $3.11 billion in 2030 at a compound annual growth rate (CAGR) of 14.2%. The growth in the forecast period can be attributed to expansion of global e-commerce, stricter payment security regulations, rising mobile and digital wallet usage, increasing cyberattack sophistication, broader merchant integration of secure authentication. Major trends in the forecast period include frictionless customer authentication, rising merchant adoption of two-factor payment security, increasing issuer-mandated verification, growth in cross-border e-commerce security needs, enhanced liability shift compliance.

The growing concern over cyber security is anticipated to drive the expansion of the 3D secure payment market in the future. Cyber security involves protecting computers, servers, mobile devices, electronic systems, networks, and data from malicious attacks. The increasing threat of cyber-attacks and cyber-crime in online payments is fueling the demand for enhanced technological advancements and the development of innovative security solutions, such as 3D secure payment. For instance, in April 2024, the UK-based Department for Science, Innovation, and Technology reported that 22% of businesses and 14% of charities experienced cyber crime in the past year. This percentage rises to 45% for medium-sized businesses, 58% for large businesses, and 37% for high-income charities. Furthermore, among the 50% of businesses and 32% of charities that reported any cyber security breaches or attacks, over two-fifths (44% of businesses and 42% of charities) ultimately fell victim to cyber crime. As a result, the growing concern over cyber security is driving the growth of the 3D secure payment market.

Major companies operating in the 3D secure payment market are concentrating on developing advanced solutions, such as frictionless authentication, to strengthen security while maintaining smooth card-not-present transactions. Frictionless authentication is a payment verification method that validates a cardholder’s identity without requiring extra user actions, enabling a quicker and more seamless checkout process. For example, in July 2024, Outseer, a US-based payment security company, enhanced its 3D Secure solution to support EMVCo 3DS v2.3.1.1, AmEx SafeKey 2.2, and VISA 3RI flows. This upgraded solution facilitates secure and compliant online transactions, assisting merchants in reducing fraud and enhancing customer confidence. The update also incorporates advanced risk-based authentication, allowing genuine transactions to proceed smoothly while identifying potentially fraudulent activity. Consequently, merchants can deliver a more streamlined checkout experience, lowering cart abandonment rates and improving overall customer satisfaction.

In December 2023, Entersekt Proprietary Limited, a South Africa-based digital authentication company, acquired the 3 D Secure software business of Modirum for an undisclosed amount. Through this acquisition, Entersekt aims to enhance its 3D Secure payment capabilities by integrating Modirum’s cloud-based 3DS solutions and expanding its global footprint in secure online transaction authentication. Modirum Group OÜ. is a UK-based company that provides 3 D Secure solutions for card-not-present online payments, including cloud-hosted authentication, merchant support, and issuer services.

Major companies operating in the 3d secure payment market are Visa Inc., Mastercard Inc., American Express Company, Broadcom Inc., ACI Worldwide Inc., Fiserv Inc., Global Payments Inc., Adyen, Stripe Inc., PayPal Holdings Inc., Modirum Oy, Entersekt, Marqeta, Forter Inc., Signifyd Inc., Checkout.com, Worldline SA, Bluefin Payment Systems LLC, AsiaPay, Rapyd Financial Network Ltd.

North America was the largest region in the 3D secure payment market in 2025. Asia-Pacific is expected to be the fastest-growing region in the 3D secure payment market report during the forecast period. The regions covered in the 3d secure payment market report are Asia-Pacific, South East Asia, Western Europe, Eastern Europe, North America, South America, Middle East, Africa. The countries covered in the 3d secure payment market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Taiwan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

The 3D secure payment market includes revenues earned by entities by providing services such as authentication, risk management, and liability shift. The market value includes the value of related goods sold by the service provider or included within the service offering. Only goods and services traded between entities or sold to end consumers are included.

The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD unless otherwise specified).

The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.

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