Authentication Data, 3DS, PSD2 SCA Global Map

3D Secure, SCA & Global Payment Regulation Map

How are merchants and consumers affected by 3DS? Select each country below to discover its 3DS success rates, frictionless rates and SCA status.

Get deeper data and analysis by downloading Ravelin's 46-page Global Payments Report 2026.

Payment authentication data

Global data

Average rates around the world

Jan–Jul 2025

	3DS success rate	3DS challenge success rate	Frictionless rate
Europe	83%	75%	62%
North America	85%	85%	54%
Global	82%	76%	58%

SCA mandates

SCA requirements

Upcoming mandates & gray areas

No SCA requirements

SCA requirements

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom

Australia, Brazil, India, Indonesia, Japan, Malaysia, Singapore, South Africa, Thailand

Upcoming mandates and gray areas

China, Mexico