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American consumers reported $15.9 billion（約2.5兆円） in fraud losses in 2025, up from $12 billion（約1.9兆円） the year before. Fraudsters increasingly use AI to generate deepfakes and synthetic identities that mimic legitimate buyer behavior, making it harder for traditional rule-based detection tools to spot the difference.
Why it matters
Merchants face a painful trade-off. Lock down fraud detection too aggressively—extra verification steps, restrictive refund policies—and legitimate customers quietly abandon the checkout without complaining, killing sales and loyalty. Open up too wide, and losses compound: chargebacks lead to higher processing rates, which drains operational resources. Most merchants lack the ability to adapt their defenses quickly as fraud tactics shift, leaving them trapped between two bad options.
What to watch
According to the 2026 Global eCommerce Payment & Fraud Report by Visa, 40−50% of merchants globally now prioritize the accuracy of AI/ML fraud tools, fraud orchestration, and automation—suggesting a shift in how businesses are approaching the problem. Better detection tools may let merchants revisit doors they tightened before, but new fraud classes could require tightening them again.
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