The Fraud and Payments Stack of 2026: How EMEA Merchants Are Wiring 3DS, Orchestration, and AI Decisioning Together

Organized on 09 Sep 2026 04:48 AM PDT / 07:48 AM EDT / 01:48 PM CET

Alexandra Rusu

09 Sep 2026 / 5 Min Read

The way EMEA merchants manage fraud and payments has fundamentally changed in the last three years. 3DS2, SCA exemptions, real-time payment networks, and AI-powered fraud decisioning have each arrived as separate innovations — but the merchants getting the best results are the ones treating them as a single, integrated system.

Most aren't. Most are running a patchwork of tools that don't talk to each other — and paying for it in false declines, unoptimized exemption rates, and manual review queues that should have been automated two years ago.

This session — hosted by The Paypers with IXOPAY and Riskified — is a technical and commercial deep-dive into how the best-performing EMEA merchants are wiring their fraud and payments stack in 2026. Not as a blueprint to copy, but as a framework to pressure-test your own setup against.

Agenda

A systems-level view of how 3DS authentication, payment orchestration, and AI fraud decisioning interact — and where the gaps between them cost merchants the most
Real-world EMEA examples: how merchants reduced their 3DS decline rate while simultaneously improving fraud detection accuracy
IXOPAY's perspective on how payment orchestration creates the routing and exemption intelligence that fraud tools need to make better decisions
Riskified's perspective on how AI identity decisioning changes what's possible when it's connected to an orchestrated payment flow
The benchmark data: what a well-integrated stack looks like vs. the EMEA average

Presenters

Adam Vissing

VP Sales and Business Development at IXOPAY

Joy Macknight

Financial Journalist (Moderator)

Shelly Assaf

Senior Product Manager at Riskified

Keywords:

fraud payments merchants AI 3DS2

Countries:

World

The Paypers is a global hub for market insights, real-time news, expert interviews, and in-depth analyses and resources across payments, fintech, and the digital economy. We deliver reports, webinars, and commentary on key topics, including regulation, real-time payments, cross-border payments and ecommerce, digital identity, payment innovation and infrastructure, Open Banking, Embedded Finance, crypto, fraud and financial crime prevention, and more – all developed in collaboration with industry experts and leaders.