Payment Security Market in U.S. accelerates with AI fraud risk scoring, tokenization and FedNow RTP demand as global market hits $100.4B by 2035

Payment Security Market in the U.S. | When Money Moves in Real Time, Cybercrime Does Too
The U.S. has already crossed the point of no return.

Seven out of every ten consumer transactions in America are now digital.

FedNow has made instant payments a national infrastructure.

Merchants, banks, healthcare providers - everyone is online.

And cybercriminals noticed.

The global payment security market reaches $25.7B in 2025,

and races to $100.4B by 2035 (14.6% CAGR)...

But North America captures the highest strategic value because it is:

The world's biggest real-time payments economy

and the world's most lucrative target for fraud.

Every contactless tap, every one-click checkout, every healthcare copay processed over the phone - each one is a potential breach if security lags by even milliseconds.

Get the Detailed Industry Analysis (including the Table of Contents, List of Figures, and List of Tables) - from the Payment Security Market Research Report: https://marketgenics.co/reports/payment-security-market-22479

This is the new truth in U.S. finance:

If fraud fights faster than your systems can think,
your revenue vanishes before you even detect the attack.

That is why 59% of the market is solutions, not services -

AI risk engines, tokenization, end-to-end encryption, biometrics, network intelligence.

Because rules do not stop crime - real-time defense does.

America's New Payment Battlefield | Instant Everything
Real-time payments change everything.

Funds leave accounts immediately.

Reversals are nearly impossible.

Recovery is a myth.

UPI did this to India. PIX to Brazil.

Now FedNow is doing it to the U.S.

Every instant payment rail needs instant threat detection - pre-transaction, not post-mortem.

AI and machine learning are already leading the fight.

• Visa Cybersource (July 2025):

300+ behavioral and contextual data points → dynamic fraud scoring

→ 18% better fraud detection and 92% approval retention

• Mastercard Decision Intelligence:

Assesses risk in under 50 milliseconds

→ 18% less fraud loss with stable approval rates

• ACI Worldwide RTP systems:

→ $2.3B in fraud blocked in year one

Speed becomes the currency of security.

If you cannot score a transaction faster than it processes,

you are already breached.

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Tokenization, Biometrics & Blockchain - The New Trust Stack
The old security stack was perimeter-based:

firewalls, passwords, antivirus.

The new one is identity-led + data-invisible.

• Tokenization-as-a-Service (TaaS) - Replaces sensitive card data with tokens, leaving nothing valuable to steal in a breach

• Biometric authentication - Identity becomes the credential, making passwords irrelevant and harder to compromise

• Blockchain-secured verification - Maintains transaction integrity across borders without relying on blind trust in intermediaries

• End-to-end encryption - Ensures payment data is unreadable at every stage, preventing interception even by insiders

• Behavioral analytics - Detects fraud attempts by spotting patterns humans cannot fake, even if credentials are stolen

Visa already topped 50B tokenized transactions, cutting fraud by 26%.

IBM + Guardtime blockchain pilot reduced unauthorized B2B fraud by 35%.

This shift is not theoretical anymore.

It is measurable revenue protection.

Why U.S. Companies Lead the War
Silicon Valley + Wall Street + Federal regulation

= a perfect storm of innovation and necessity.

Who is defining payment security in America

Stripe - Radar ML → instant fraud pattern intelligence

Visa Cybersource - real-time scoring engines → merchant revenue saved

IBM - deep-learning behavioral analysis → 92% accuracy in contactless fraud detection

Fortinet & Palo Alto Networks - network-level zero-trust payments

Microsoft + AWS - secure cloud payment orchestration

Thales & Gemalto - HSM, EMV security leadership

The best security breakthroughs...

are happening where the risk is highest.

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The U.S. Weak Spot | Compliance Moves Slower Than Fraud
For every regulation written,

cybercriminals have already invented five new exploits.

PCI DSS

PSD2 influence

CCPA, GLBA, FFIEC

Data localization conflicts

Ask any CISO:

Compliance checks the box.

Hackers look for the seams between the boxes.

Regulations do not protect businesses.

Regulations punish them after the breach.

So the U.S. market responds with:

• Cloud-native microservice security layers

• API protection embedded in every consumer edge

• Zero-trust identity for every transaction

• Continuous behavior monitoring

• Invisible multi-factor authentication

Security becomes invisible - because friction kills revenue.

But invisibility cannot kill security.

The Threat Economy | Fraud Has a Better Business Model
Fraudsters share tooling on Telegram.

AI models clone voice authorization.

Deepfake biometrics bypass KYC.

Card-testing bots swarm new merchants within minutes.

If defenders innovate slowly,

fraud wins by default.

That is why the future of payment security in the U.S.

unfolds across three battles:

Pre-auth AI
Stopped before the first penny moves

(behavioral biometrics + velocity analysis)

Integrity Beyond Borders
Cross-wallet, cross-card, cross-bank, cross-merchant identity

(Blockchain token identity + global reputation scoring)

Securing Invisible Commerce
Subscriptions, embedded finance, IoT payments

(Security must exist where the user forgets payments exist)

The Business Case | Security = Revenue Strategy
Merchants and banks learned the hard way:

✔ Too much friction → approved transactions fail → revenue dies

✔ Too little friction → fraud explodes → margin dies

✔ False declines → customers leave forever

Payment security is not a cost center anymore.

It is conversion optimization, brand trust,

and survival against class-action lawsuits.

The companies that scale fastest in U.S. fintech will:

• Treat every transaction as a risk-scored identity event

• Deploy federated AI shared across merchant networks

• Automate compliance as code

• Move tokenization to every payment surface

• Invest in prediction instead of reaction

The U.S. Market Conclusion
America's payment economy is the most advanced,

the most connected,

and the most attacked.

That means only the players who can:

Detect faster.

Decide smarter.

Secure invisibly.

...will inherit the future.

The U.S. payment security market does not reward fear.

It rewards real-time courage.

The money moves instantly now.

Security must too.

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This release was published on openPR.