2025年,电子商务欺诈率下降至3.0%,原因是实时付款、AI使用和安全技术不断增加。 E-commerce fraud rates dipped to 3.0% in 2025, driven by rising real-time payments, AI use, and security tech.

全球电子商务欺诈率在2025年略微下降至3.0%,根据Visa的报告,这是几年来首次下降,因为实时付款(RTP)的采用率上升至37%,其中近90%预计到2025年会增长。 Global e-commerce fraud rates declined slightly to 3.0% in 2025, the first drop in years, according to Visa’s report, as real-time payments (RTP) adoption rose to 37% of merchants, with nearly 90% of those expecting growth in 2025. 尽管98%的商人举报欺诈行为,但增长速度放缓,特别是在滥用第一者方面。 Despite 98% of merchants reporting fraud, the pace of increase has slowed, especially for first-party misuse. 商人越来越多地使用基因化人工智能识别欺诈——现在占56%,而到年底预计近80%的商人会采用。 Merchants are increasingly using generative AI for fraud detection—56% now, up from 42%—with nearly 80% expected to adopt it by year-end. 超过一半的计划是增加对欺诈技术的投资,有利于自动化而不是工作人员。 Over half plan to boost investment in fraud tech, favoring automation over staff. 代币化被60%用于提高安全性和授权率,而支付成功和回收率降低等关键指标仍然是优先考虑的. Tokenization is used by 60% to improve security and authorization rates, while key metrics like payment success and chargeback reduction remain priorities.