The European Payments Council (EPC) today published the 2025 update of the Payment Threats and Fraud Trends Report, providing a detailed overview of the most significant threats and “fraud enablers” in the payments landscape, with a focus on recent attacks and the broader attack vector landscape.
Key points highlighted in the 2025 update include significant attacks and fraud modus operandi observed last year by the EPC community, the impact of AI on both attackers and defenders in the payments ecosystem, the ways in which threats affect payment processes—including Onboarding, Payment Request, Initiation, Authentication, and Execution—and the risks across various payment instruments such as cards, SEPA Credit Transfer (SCT), SEPA Direct Debit (SDD), SEPA Instant Credit Transfer (SCT Inst), and mobile wallets) and to supporting schemes (SEPA Request-to-Pay (SRTP), Verification of Payee(VOP)).
With this report the EPC intends to raise the awareness and provide insight amongst all stakeholders involved in payments space on the various threats that exist and the techniques used by fraudsters to enable them to take better decisions on possible prevention and mitigation measures.
Read more in ‘Related Documents’.
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