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What size is the 3D Secure 2.0 (3DS 2.0) payment authentication market projected to reach by 2030?

In recent years, the 3D Secure 2.0 (3DS 2.0) payment authentication market has experienced rapid growth.

The market size is projected to expand from US$1.65 billion in 2025 to US$1.91 billion in 2026 , representing a compound annual growth rate (CAGR) of 15.8%.

The main factors that have supported the market expansion so far are as follows:

• The surge in e-commerce transactions

• Increase in online payment fraud

• Expansion of Card Not Present (non-face-to-face card payments)

• Strengthened regulations on Strong Customer Authentication (SCA).

• The spread of digital wallets

The market is projected to maintain high growth for the next few years.

The market size is projected to reach US$3.39 billion by 2030 , with a compound annual growth rate (CAGR) of 15.4% from 2026 to 2030.

The main factors driving market growth include the following:

• Expanding investment in real-time fraud analysis

• Expansion of biometric authentication technology

• Increase in cross-border e-commerce payments

• Growing demand for seamless customer experiences

• Strengthening efforts toward compliance automation

Furthermore, the following movements are noteworthy as major market trends during the forecast period:

• The spread of risk-based authentication

• Expanding integration with payment gateways

• Increased use of behavioral analytics

• The spread of frictionless checkout

• Further focus on technologies to prevent fraudulent use

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What are the factors driving the growth of the 3D Secure 2.0 (3DS 2.0) payment authentication market?

The increase in fraudulent use of online payments is expected to be a major factor driving the future growth of the 3D Secure 2.0 (3DS 2.0) payment authentication market .

Online payment fraud refers to the act of a third party illegally using payment information to conduct fraudulent transactions on the internet.

With the spread of digital payments, more users are having opportunities to enter highly sensitive payment information on platforms whose security has not been adequately verified, and consequently, online payment fraud is also on the rise.

3D Secure 2.0 (3DS 2.0) payment authentication addresses this challenge by performing real-time, risk-based identity verification during transactions.

As a result,

• Improved payment security

• Improving the user experience

• Reduction of fraudulent transactions

• Improving consumer confidence in digital payments

We will make it happen.

For example, according to data published by UK Finance in May 2025 , losses due to fraudulent transactions in 2024 amounted to approximately US$915 million (£722 million) , a 2% increase from the previous year.

Furthermore, the number of confirmed fraudulent use cases has reached 3.13 million , a 14% increase compared to 2023 .

Thus, the increase in online payment fraud is a significant factor driving the expansion of the 3D Secure 2.0 (3DS 2.0) payment authentication market.

Which companies should we pay attention to in the 3D Secure 2.0 (3DS 2.0) payment authentication market?

This report provides a detailed analysis of the 3D Secure 2.0 (3DS 2.0) payment authentication market, categorized as follows:

By component

• software

• hardware

• service

Deployment by implementation method

• On-Premises

• Cloud-based

Enterprise Size

• Small and Medium Enterprises (SMEs)

• large company

By application

• E-commerce (EC)

• bank

• Payment Gateway

• Other uses

By End User

• Banking, Financial Services and Insurance (BFSI)

• Retail

• Healthcare

• Travel and Hospitality

• others

subsegments

software

• Payment gateway software

• Security and encryption software

• Terminal Management Software (TMS)

• POS (Point of Sale) Operating System

• Fraud detection and risk management software

• Tokenization solutions

• Digital wallet integration solution

hardware

• Payment terminal

• PIN entry terminal (PIN pad)

• Biometric authentication devices

• Mobile POS terminals

• Smart card reader

• Contactless (NFC) enabled devices

• Embedded chipset

• Peripherals

service

• Implementation and system integration services

• Maintenance and support services

• Consulting and training services

• Managed Services

• SaaS (Software as a Service)

• Hardware leasing service

• Remote troubleshooting

• Compliance and certification support services

What is the biggest trend influencing the 3D Secure 2.0 (3DS 2.0) payment authentication market?

In the 3D Secure 2.0 (3DS 2.0) payment authentication market, leading companies are focusing on developing innovative solutions, including **Authentication Services**.

The purpose is,

• Enhanced payment security

• Improving the user experience (UX)

• Reducing the risk of fraudulent use

The goal is to achieve this.

Authentication services refer to mechanisms that verify the identity of a user, device, or system before granting access to digital services or online transactions .

As a prime example, in February 2023, PayU Payments Private Limited , an Indian online payment solutions company , began offering its 3DS 2.0 SDK authentication service to merchants in India .

This service is an EMVCo-certified next-generation solution designed to make online card payments smoother and more secure.

Also,

• Biometric Authentication

• Frictionless Authentication

By adopting this approach,

• Reduced authentication time

• Improved payment speed

• Enhanced security

• Reducing cart abandonment rate

This enables us to provide a superior payment experience for both businesses and consumers.

Leading segment in the 3D Secure 2.0 (3DS 2.0) payment authentication market.

This report categorizes the market into the following five main segments:

By component

• software

• hardware

• service

By implementation type

• On-premises

• Cloud

By company size

• Small and Medium Enterprises (SMEs)

• large company

By use

• EC (Electronic Commerce)

• bank

• Payment Gateway

• others

By end user

• BFSI (Banking, Financial Services and Insurance)

• retail

• Medical and healthcare

• Travel and Hospitality

• others

Furthermore, each segment is covered down to detailed subcategories of software, hardware, and services, enabling companies to gain a deeper understanding of market trends and growth opportunities.

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Which region shows the highest demand in the 3D Secure 2.0 (3DS 2.0) payment authentication market?

As of 2025, North America will be the region with the largest market share in the 3D Secure 2.0 (3DS 2.0) payment authentication market.

This report provides a comprehensive market analysis for the following regions:

• Asia-Pacific

• Southeast Asia

• Western Europe

• Eastern Europe

• North America

• South America

• Middle East

• Africa

This section provides a detailed explanation of the market size, growth trends, key market opportunities, and future growth forecasts for each region.

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