What changed: Stripe published a blog analysis of billions of transactions from January 2022 to March 2026, detailing how 3D Secure mandates and regional differences are affecting card fraud rates across Asia Pacific, Europe, and Latin America.
Who is affected
Businesses that sell in multiple countries and process payments through Stripe; the source does not specify a particular business size or sector.
What it means for your business
For businesses using Stripe, this means fraud rates and required authentication approaches can vary significantly by region, so risk strategies may need to be tailored market by market.
What to do
If you sell across multiple countries, review region-specific fraud data, enable 3D Secure authentication in SCA-covered markets, and evaluate fraud-prevention tools such as Stripe Radar.
When it takes effect
The source gives no specific effective date; the data covers January 2022 through March 2026.
