Three of the biggest fraud trends from MRC Vegas 2026

This article summarizes three major fraud trends discussed at MRC Vegas 2026, where over 2,000 payments leaders gathered to address increasingly automated fraud.

• •Leading fraud teams are shifting from universal authentication to dynamic, intent-based authentication, reserving friction only for the riskiest ~1% of traffic using behavioral profiling ("high-trust velocity").
• •Stripe Radar's adaptive 3DS applies AI-driven risk assessment dynamically, achieving over 30% fraud reduction on eligible transactions.
• •Rules-based fraud detection is insufficient for agentic commerce; fraud detection must be embedded directly into payment infrastructure to evaluate transactions in real time.
• •Stripe's Shared Payment Tokens allow AI agents to initiate payments without exposing credentials, while relaying live risk signals via Stripe Radar.