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MRC商业风险委员会:2026年全球电子商务支付与欺诈报告(第27版)(英文版)(58页).pdf

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1、2026 Global eCommercePayments&Fraud Report27th Edition2ContentsOverview.Executive SummarySurvey Firmographics.Section 1:Payment Acceptance.Section 2:Payment Metrics&Tactics.Section 3:Fraud Management Strategies&Challenges.Section 4:Fraud Management Metrics&Tactics.Section 5:Post-Purchase Fraud&Abuse

2、.About The Authors.Appendix 1 Payment Method Conversion&Acceptance Rates.Appendix 2-Survey Questions Used In Report Figures.346121926324350525354Conclusion.2026 Global eCommerce Payments&Fraud ReportWhere Payments and Fraud Experts Meet2026 Global eCommerce Payments&Fraud Report3Where Payments and F

3、raud Experts MeetOverviewThe Merchant Risk Council MRC,Visa Acceptance Solutions,and Verifi are pleased to share the results of our latest Global eCommerce Payments&Fraud Survey.The purpose of this report is to convey fact-based,transparent research on merchants perceptions of various key trends and

4、 challenges in the realm of eCommerce payments and fraud.This years report is based on our global survey of over 1,200 eCommerce merchants,which was fielded by the independent research firm B2B International in November and December of 2025.The survey sample includes a diverse mix of small-business

5、SMB,mid-market,and enterprise merchants representing organizations based in over 35 countries spanning North America and Europe,as well as the Asia-Pacific APAC and Latin America LATAM regions.In addition to the results from this years survey,we also leverage trended survey data from previous years

6、in this report to understand not just how merchants are thinking about various topics and trends today but also how their views have been changing as the eCommerce payments and fraud landscapes have evolved,over time.The next section of the report contains additional details on the survey methodolog

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1. **支付接受**:商家平均接受4-6种支付方式,实时支付(RTP)接受率升至43%(+6% YoY),位列前五;19%商家已准备接受AI代理支付,63%正在规划中。 2. **支付指标**:支付成功率(54%)和收入(52%)为最关键KPI;72%商家使用支付令牌(+12% YoY),其中客户令牌使用率显著提升。 3. **欺诈管理**:29%商家将“降低运营成本”列为首要任务(较2024年+19%);52%预计未来两年欺诈管理支出持平或下降。 4. **欺诈趋势**:平均欺诈攻击数降至3.8种(2025年为4.2),退款/政策滥用(41%)和实时支付欺诈(38%)最常见;MRC成员欺诈指标显著优于非成员企业。 5. **售后欺诈**:64%商家报告第一方滥用(FPM)增加,61%遭遇退款/政策滥用;83%商家使用有力证据应对FPM争议。
支付方式趋势? 欺诈管理挑战? AI支付前景?
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