Fraud frontiers: How innovation is future-proofing payment security

Stay ahead of evolving fraud threats with data driven insights and practical strategies for merchants.

Fraud is on the rise, affecting millions of consumers and challenging merchants to protect both revenue and trust. To better understand this evolving threat, emerchantpay conducted a study of 2,000 UK adults, exploring how scams impact spending behaviour, perceptions of security and expectations around safe, seamless payments.

Download a copy of The Fraud Frontiers 2026

Key findings from the report

27 million

UK consumers report more fraud attempts

72%

say scams are becoming more convincing

75%

prioritise security when shopping online

£3.5 billion

lost to friendly fraud in the past year

Fraud is evolving. Are your defences keeping up?

In a world where consumers expect speed and convenience, even minor friction at checkout can lead to cart abandonment. Merchants across all sectors are under increasing pressure to deliver seamless, fast and secure payment experiences while maximising conversion rates.

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Download the report to discover

Key fraud trends shaping the UK market

How consumer attitudes towards security are changing

The growing impact of AI on fraud and payments

Practical steps to strengthen fraud prevention strategies

Gain practical insights and strengthen your payment strategy.

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For the UK: emerchantpay Ltd is a duly authorised electronic money institution subject to the prudential supervision of the UK Financial Conduct Authority (Financial Services Register No. 900778).
For the EU: emerchantpay collaborates with UAB Phoenix Payments, a duly authorised electronic money institution subject to the prudential supervision of the Bank of Lithuania, licence number LB000477.
For the US: emerchantpay Corp. is a Registered Partner/ISO of Elavon, Inc. Georgia [a wholly owned subsidiary of U.S. Bancorp, Minneapolis, MN], and of Westamerica Bank, Santa Rosa, CA.