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3D Secure 2.0 (3DS 2.0) Payer Authentication Market Size in 2029: A Look at Recent Changes and Trends
The worth of the 3D secure 2.0 (3DS 2.0) payer authentication market has escalated significantly over the past few years. Its value is set to increase from $1.43 billion in 2024 to $1.65 billion in 2025, with a compound annual growth rate (CAGR) of 15.9%.
This expansion during the historical period can be associated with increased occurrences of online payment scams, a surge in consumer acceptance of electronic payments, the emergence of cross-border payments, the pressure of regulatory compliance, and the growth of e-commerce platforms.
In the coming years, the market size of the 3D secure 2.0 (3DS 2.0) payer authentication is anticipated to experience rapid expansion. The projected growth is to achieve a value of $2.94 billion by 2029, demonstrating a compound annual growth rate (CAGR) of 15.5%.
The reason for this increase during the forecast period can be linked to the surge in the sophistication of payment fraud, increasing adoption of buy now pay later (BNPL) methodology, the proliferation of cryptocurrency and Web3 payments, as well as growing online fraud and cybersecurity threats. During this forecast period, the dominant trends are anticipated to be integration with digital identity verification, the use of cloud-based authentication services, the application of blockchain for transaction authentication, adaptive authentication technologies and the utilization of AI-driven behavioral biometrics.
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What Core Factors Are Driving the Expansion of the 3D Secure 2.0 (3DS 2.0) Payer Authentication Market?
The escalating incidences of online payment fraud are anticipated to spur on the expansion of the 3D Secure 2.0 (3DS 2.0) payer authentication market. Online payment fraud involves the illicit usage of billing information to facilitate unauthorized transactions over the web.
Increased fraudulent activities are linked to the rise in digital transactions, with more individuals revealing sensitive billing details over unverified platforms or those lacking adequate security.
3DS 2.0 payer authentication offers a solution to this by providing real-time identity verification based on risk, while processing transactions.
This elevates security measures and offers a user-friendly experience, causing a reduction in fraud and an enhancement of consumer confidence in digital payments. For example, data provided by UK Finance, a governmental department based in the UK, revealed that unauthorized fraud losses in May 2025 saw an increment of 2% to roughly $915 million (£722 million).
The same report confirmed an increase of 14% in fraud cases to 3.13 million in 2024, compared to 2023. This upsurge in online payment fraud is the major factor propelling the growth of the 3DS 2.0 payer authentication market.
How Is the 3D Secure 2.0 (3DS 2.0) Payer Authentication Market Structured Across Key Segments?
The 3d secure 2.0 (3DS 2.0) payer authentication market covered in this report is segmented
1) By Component: Software, Hardware, Services
2) By Deployment: On-Premises, Cloud-Based
3) By Enterprise Size: Small And Medium Enterprises, Large Enterprises
4) By Application: E-Commerce, Banking, Payment Gateways, Other Applications
5) By End-User: Banking, Financial Services And Insurance (BFSI), Retail, Healthcare, Travel And Hospitality, Other End Users
Subsegments:
1) By Software: Payment Gateway Software, Security And Encryption Software, Terminal Management Software (TMS), Point Of Sale (POS) Operating Systems, Fraud Detection And Risk Management Software, Tokenization Solutions, Digital Wallet Integration
2) By Hardware: Payment Terminals, Personal Identification Number (PIN) Pads, Biometric Devices, Mobile Point Of Sale (POS) Devices, Smart Card Readers, Contactless Or Near Field Communication (NFC) Devices, Embedded Chipsets, Peripheral Devices
3) By Services: Installation And Integration Services, Maintenance And Support Services, Consulting And Training Services, Managed Services, Software-As-A-Service (SaaS), Hardware Leasing Services, Remote Troubleshooting, Compliance And Certification Services
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What Innovation Trends Will Redefine the 3D Secure 2.0 (3DS 2.0) Payer Authentication Market Landscape?
Prominent enterprises in the market for 3D secure 2.0 (3DS 2.0) payer authentication are concentrating on creating advanced solutions, like authentication services, to increase transaction safety, enhance user interaction, and minimize fraud threats. These services involve systems or processes that authenticate a user's, device's, or system's identity before allowing access to a digital asset, transaction, or service.
For example, PayU Payments Private Limited, a company from India that provides online payment solutions, debuted in February 2023, a 3DS 2.0 SDK authentication service for Indian vendors. This service delivers a subsequent-generation, EMVCo-certified solution to simplify online card payments.
Businesses can utilize this service to provide their customers with a smooth, wholly native app or web checkout with accelerated, safer authentication via biometrics and effortless flows, hence decreasing payment durations and shopping cart desertion.
Where Is the 3D Secure 2.0 (3DS 2.0) Payer Authentication Market Experiencing the Fastest Regional Growth?
North America was the largest region in the 3D secure 2.0 (3DS 2.0) payer authentication market in 2024. The regions covered in 3D secure 2.0 (3DS 2.0) payer authentication report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East and Africa.
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Leading Players Shaping the Future of the 3D Secure 2.0 (3DS 2.0) Payer Authentication Industry
Major companies operating in the 3d secure 2.0 (3ds 2.0) payer authentication market are American Express Company, Visa Inc., Mastercard Incorporated, Fiserv Inc., Adyen N.V., Naspers Payments Private Limited, Worldline S.A., Elavon Inc., Nets A/S, ACI Worldwide Inc., Marqeta Inc., CardConnect LLC, GMO Payment Gateway Inc., UnionPay International Co. Ltd., BlueSnap Inc., Entersekt (Pty) Ltd., Modirum MDPay Ltd., Braintree Payment Solutions LLC, GPayments Pty Ltd., Cardstream Limited.
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