To stay ahead of fast-moving fraud, you have to stay close to the data. The latest Q2 2025 update to Sift’s Fraud Industry Benchmarking Resource (FIBR) delivers fresh insights to help you do just that. Whether you’re reevaluating thresholds or fine-tuning workflows, these benchmarks offer a clear view of shifting fraud threats across payment types, verticals, and attack vectors.
Here’s what the latest data tells us about where fraud is heading and how different industries are impacted.
Key Takeaways
- Payment fraud held steady at a 3.5% attack rate overall, with points-based payments making up the highest fraud rate (4.8%) across all methods.
- Chargebacks improved significantly, with the general chargeback rate dropping 28% YoY, and fraudulent chargebacks plummeted 58%.
- Account takeovers rate ticked up slightly to 2.5%, while 2FA adoption remains steady at 13%.
- Internet & Software chargeback rates dropped dramatically, but ATOs rose 17% YoY.
- Travel & Ticketing fraud followed seasonal patterns, with QoQ increases in both payment fraud and chargebacks.
- Food & Delivery attempted payment fraud spiked 24% YoY, yet general chargebacks declined 47%.
The State of Fraud in Q2 2025
Payment Fraud
Payment fraud activity remained relatively stable in Q2, with an overall attack rate of 3.5%—a minimal 2.8% decrease year-over-year. Credit and debit cards continued to dominate as the most exploited payment method, accounting for 82.8% of fraudulent transactions. However, points-based payments have the highest fraud rate of any payment method this quarter at 4.8%.
Chargebacks
Chargebacks rates showed significant improvement across the board. General chargebacks declined 28% year-over-year, falling from 0.29% in Q2 2024 to 0.21% this quarter. At the same time, fraudulent chargebacks dropped by 58%, from 0.24% to 0.10%. These shifts point to better fraud detection upstream, as well as more successful dispute resolution.
Account Takeovers
The overall account takeover (ATO) rate rose 4% YoY from 2.4% in Q2 2024 to 2.5% in Q2 2025. Meanwhile, two-factor authentication (2FA) adoption remained steady at 13% across the Sift Global Data Network.
Breaking Down Industry Trends
Fraud looks different depending on where you’re sitting. Let’s examine Q2 2025 performance across a few key verticals.
Internet & Software
The payment fraud attack rate saw a 5% YoY decline in Q2, dropping from 4.0% to 3.8%, but jumped 15% QoQ (from 3.3%). That bounce back could reflect a seasonal spike or new fraud patterns as more services expand operations.
Chargeback rates saw major improvement:
- General chargebacks fell 67% YoY (from 0.52% to 0.17%).
- Fraudulent chargebacks dropped 74% (from 0.46% to 0.12%).
However, the ATO rate for internet and software companies climbed from 3.0% to 3.5%, a 17% YoY increase. At the same time, 2FA adoption dipped slightly to 10%, possibly due to wider adoption of frictionless login methods that still preserve security for lower-risk users.
Travel & Ticketing
Fraud patterns followed expected seasonal trends for the travel and ticketing sector. While the payment fraud attack rate dropped 20% YoY (from 6.9% to 5.5%), it rose 10% from Q1—likely a reflection of summer travel demand.
Chargebacks were mixed:
- General chargebacks decreased 21% YoY (from 0.19% to 0.15%), but rose 15% QoQ (from 0.13% in Q1).
- Fraudulent chargebacks dropped 31% YoY, yet jumped 62% QoQ.
This seasonal uptick is a reminder to stay vigilant during high-volume windows, especially when bookings, cancellations, and disputes all rise in tandem.
Food & Delivery
Food and delivery businesses saw a notable 24% rise in payment fraud YoY, from 3.3% to 4.1%, and a 32% jump QoQ. The sharp increase may be tied to a combination of major seasonal events and the continued shift toward digital ordering and delivery.
Interestingly, general chargebacks in this vertical fell nearly 47% YoY, from 0.094% to 0.050%. The improvement suggests that while fraud attempts have increased, better detection and faster resolution are keeping disputes down.
More Ways to Interact with FIBR
There are now more ways to interact with FIBR than ever before. FIBR is publicly available to anyone looking for fraud benchmarking data.
For Sift customers, you can access the public-facing FIBR as well as in-console and on Sifters. Sift users can access FIBR insights within the Sifters customer community, complete with more in-depth metrics, including median order amount and fraudulent order amount trends by industry, plus chargeback reasons by industry. All customers can access their FIBR report by logging into the Sift Console and going to Insights.
