As e-commerce fraud rises, 3-D Secure (3DS) adoption grows, with 88% of U.S. and 92% of U.K. merchants using it to improve authorization rates and reduce false declines. U.K. merchants send fewer transactions through 3DS than U.S. peers, largely due to regulatory differences like Strong Customer Authentication. Despite overall satisfaction with current providers, about half of merchants plan to switch 3DS servers within two years. Many are unaware of which 3DS version they use, revealing a gap in industry knowledge and underscoring the need for better merchant education and support.

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