Across enterprise commerce, fraud no longer behaves like a series of isolated incidents. It operates as repeatable, automated playbooks — continuously tested, refined, and redeployed across environments. The result is not just more fraud, but fraud engineered to blend in with legitimate customer behavior. That shift is changing where fraud risk sits, how it needs to be managed, and what it costs when it isn’t.

Ecommpay’s new white paper explores how fraud is evolving, where merchants are most exposed, and what needs to happen next. Featuring expert insight from Uber Payments UK, Paynt, Allica Bank, Women in Identity and Ramp Network, this is a sharp, high-value read for merchants navigating a faster, more sophisticated fraud landscape.

Inside the report:

• Why modern fraud is becoming harder to detect and harder to stop

Our annual Global eCommerce Payments & Fraud Report, produced by the Merchant Risk Council along with Visa Acceptance Solutions, surveyed merchants of all sizes from around the world to offer valuable insight into current payment acceptance and fraud trends. The report includes how merchants accept payments and what’s coming next, how fraud is managed across the commerce lifecycle, where disputes, refunds, and abuse are showing up, how payments and fraud trends differ globally as well as how merchants are integrating AI into their fraud strategies.

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).

Ecommerce is one of the leading adopters of artificial intelligence (AI), with use cases from personalized product recommendations and enhanced customer service to streamlined workflows, smart logistics, and sales/demand forecasting. Organizations that adopt AI business strategies generate an average of 10-12% extra revenue.

With more and more consumers gravitating toward online shopping ( 21% of retail purchases in 2025 will be made online), it’s more important than ever for ecommerce brands to adopt AI if they hope to keep up with consumer expectations.

In an era where convenience is king, the swift, seamless transactions that consumers and businesses now expect have been hitting a major roadblock: fraud. The scale of this problem is staggering. By 2028, global losses to online payment fraud are projected to reach a jaw-dropping $362 billion. The United States is expected to see the impact of this primarily in card-not-present (CNP) transactions like e-commerce payments, new research suggests. These aren’t just line items on a profit and loss statement; they represent breached trust, lost customers and damaged reputations for businesses.

Consumers expect e-commerce experiences to be seamless and secure but, as fraud threats evolve, merchants are struggling to keep pace. This growing disconnect is eroding consumers’ trust in merchants’ ability to safeguard them. Drawing on this year’s U.S. identity and fraud insights, this report explores the key factors contributing to the e-commerce trust gap.

In this report, you’ll learn:

• What’s driving consumer concerns in e-commerce

Returns are growing in importance — with both retailers and consumers. To understand how these pressures are shaping the retail landscape, the National Retail Federation (NRF) and Happy Returns, a UPS company, explored both consumer and retailer perspectives and priorities for the returns experience. Key findings include:

Total returns for the retail industry are projected to reach $849.9 billion in 2025.