2026 Global eCommerce Payments and Fraud Report

2026 Global eCommerce Payments & Fraud Report

Uncovering Trends.
Navigating the Future.

The 2026 Global eCommerce Payments and Fraud Report is your go-to resource for understanding the latest trends shaping the eCommerce payments and fraud prevention landscape.

Based on our annual global survey of 1,200+ eCommerce merchants, this report provides insights from businesses of all sizes—SMBs, mid-market, and enterprise merchants—across 35+ countries in North America, Europe, Asia-Pacific (APAC), and Latin America (LATAM).

Using a data-driven approach, the report explores emerging payment technologies, evolving fraud threats, and actionable insights to help organizations optimize payment performance, reduce fraud losses, and strengthen fraud prevention strategies in an increasingly complex global market.

What's Inside? Key Insights for 2026

This year's report delivers in-depth analysis across five critical areas shaping the future of payments and fraud prevention:

Payment Acceptance — Trends in authorization rates, decline patterns, and the evolving checkout experience.
Payment Metrics & Tactics — How merchants optimize payment performance and control costs.
Fraud Management Strategies & Challenges — Approaches merchants use to structure fraud teams, deploy technology, and navigate emerging challenges.
Fraud Management Metrics & Tactics — Benchmarks on fraud attack patterns, detection methods, and prevention strategies.
Post-Purchase Fraud & Abuse — Merchant-reported trends on chargebacks, refund abuse, and policy manipulation.

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Stay Ahead in Payments and Fraud Prevention

The 2026 Global eCommerce Payments and Fraud Report provides exclusive insights into global and regional eCommerce trends—helping businesses stay competitive, enhance security, and streamline operations. Here are a few highlights from this year's report:

43%

of merchants now accept real-time payments, making it one of the fastest-growing payment methods globally.

63%

of merchants are actively exploring or plan to implement agentic AI payments in the near future.

45%

Percent report real time payment fraud as the next biggest fraud attack overall.

3.2%

Percentage of total annual eCommerce revenue lost to payment fraud globally.

62%

Percentage of merchants reporting an increase in first-party misuse disputes.

57%

Percentage of merchants citing an increase in refund / policy abuse over the past year.

Common Questions

The survey for this year's report was fielded from November to December 2025. In total, 1,278 merchant professionals involved in eCommerce payment and fraud management completed the survey. The respondent sample includes fraud and payment professionals based in 37 countries, spanning four major geographic regions, with broad representation across revenue tiers, sales channels, and eCommerce categories.

The survey for this year's report was fielded from November to December 2025. In total, 1,278 merchant professionals involved in eCommerce payment and fraud management completed the survey. The respondent sample includes fraud and payment professionals based in 37 countries, spanning four major geographic regions, with broad representation across revenue tiers, sales channels, and eCommerce categories.
The report provides the latest industry fraud data and fraud management methods used by global merchants, along with a robust set of performance benchmarks that organizations can use to help optimize their fraud management and prevention practices. In addition, the report delves into today’s rapidly changing payments landscape to examine the range of different payment acceptance, management, and partnership practices merchants are deploying globally and across key sub-segments, as well as the reasons why they are adopting these payment strategies and tactics in the current commercial environment.

The report provides the latest industry fraud data and fraud management methods used by global merchants, along with a robust set of performance benchmarks that organizations can use to help optimize their fraud management and prevention practices. In addition, the report delves into today’s rapidly changing payments landscape to examine the range of different payment acceptance, management, and partnership practices merchants are deploying globally and across key sub-segments, as well as the reasons why they are adopting these payment strategies and tactics in the current commercial environment.
The MRC has partnered with Visa Acceptance Solutions and Verifi to publish the Global Payments and Fraud Report annually. B2B International is an independent market research firm conducting our survey with merchants across the globe, including MRC merchant members.

The MRC has partnered with Visa Acceptance Solutions and Verifi to publish the Global Payments and Fraud Report annually. B2B International is an independent market research firm conducting our survey with merchants across the globe, including MRC merchant members.