Mobile payments are booming, and so are the fraudsters. From AI-generated deepfakes to real-time scams, mobile fraud is evolving faster than most businesses can blink. Juniper Research predicts that global online payment fraud losses will surpass $362 billion between 2023 and 2028 (Juniper, 2023). Mobile apps are the preferred method of banking for 59.4% of people, while 27.4% prefer to use a web browser, and 10.5% still choose to visit their bank in person. Securing mobile transactions is no longer optional, it is mission critical. (Self, 2025)

At TCB Pay, we know this firsthand. Our merchants operate in high-risk, high-volume industries where one weak link can cost millions. That’s why we’ve designed mobile-first tools, including the TCB Pay App, to fight fraud head-on while keeping businesses agile.

Here’s what you need to know about the trends shaping mobile fraud in 2025.

Biometric Authentication in Mobile Payments

Passwords? Too easy to hack. PINs? Too easy to guess. Biometric authentication is now the gold standard for mobile payments. Whether it’s fingerprints, facial recognition, or voice patterns, biometrics offer frictionless security that beats traditional credentials.

By 2025, biometric technologies such as fingerprint, facial, and voice recognition will secure over $3 trillion in mobile transactions worldwide (Juniper Research). At the same time, biometric contactless payments, like facial recognition at checkout, are projected to account for about 68% of biometric transactions (CoinLaw). That means fraudsters relying on stolen logins will face an uphill battle.

At TCB Pay, our corporate card and issuing solutions already integrate advanced biometric verification, keeping pace with this shift toward invisible payments and eliminating the weak points fraudsters love to exploit.

Explore more on our blog: They’re Targeting Your Phone, Not Just Your Store

Mobile-First Reporting and Real-Time Alerts

Fraud doesn’t wait, so why should detection? Mobile-first reporting is designed for speed, delivering real-time alerts directly to a business owner’s phone. This isn’t just convenient, it’s lifesaving in fraud defense.

By 2025, real?time payment fraud (such as on RTP networks) is expected to impact around 45?% of e?commerce merchants globally (CTMfile). Meanwhile, false positives, where legitimate transactions are mistakenly flagged as fraud, are also a major burden. In some larger institutions, false positive rates can reach as high as 95?%, driving up operational costs, customer friction, and wasted effort (tookitaki).

Our mobile-optimized platform arms merchants with tailored alerts, empowering them to prevent fraud before it spirals into losses. With TCB Pay, monitoring fraud on-the-go is as easy as checking your notifications.

Mobile Apps and Chargeback Management

Chargebacks may be as old as credit cards, but in 2025 they’re nastier and more frequent, especially in mobile-first transactions. Disputes over unclear charges or accidental subscriptions are fueling a surge in costly reversals.

That’s why automation is non-negotiable. AI-driven chargeback management helps businesses:

1. Spot suspicious activities instantly

2. Automate representment cases to increase win rates

3. Educate customers with in-app clarity to reduce disputes

With first party fraud, also known as friendly fraud, now representing 36% of reported incidents (LexisNexis Risk Solutions, 2024), merchants need smarter tools and stronger automation rather than relying on manual workflows.

The TCB Pay App offers dispute tracking and resolution features that reduce errors, cut processing times, and protect margins. In short: fewer headaches, more revenue.

Mobile fraud isn’t slowing down in 2025, it’s getting smarter. From AI scams to instant-payment exploits, businesses need defenses that move faster than the threats.

With biometrics, real-time fraud alerts, and automated chargeback tools, TCB Pay is helping merchants in complex industries stay two steps ahead.

Want to See It in Action?

Ready to secure your payments and simplify fraud management?
The TCB Pay app is now available for download on the App Store and Google Play Store.