Bringing confidence and control to consumers, around the world, around the clock
We provide tools, resources and controls that enable others to make better decisions about managing risk.
Risk solutions for the payments ecosystem
Payment security is our top priority. Through an evolving and multi-layered approach, we strive to expect the unexpected, constantly monitoring our global network and sharing intelligence with our partners. We believe modern commerce is built on a seamless and secure payments experience for everyone.
Empower consumer and clients
-
Travel Notification Services (TNS)
Avoid mistaken purchase declines while your cardholders are travelling by incorporating cardholder self-reported travel plans into approval decisions.
Visa Transaction Controls (VTC)
Empower cardholders by giving them the ability to place their own rules on a payment card's use and to set up notifications for different financial events.
Invest in intelligence and technology
At Visa, securing the world's payments is priority one
We bolster trust in our network by utilising talent and technology to help prevent, detect and eradicate threats.
-
Comprehensive risk management helps our partners optimise loss prevention and maximise profitability.
CyberSource Decision Manager
Provides merchants with a fraud management solution that helps optimise authorisations through scoring digital transactions based on insights from over 68 billion worldwide transactions that Visa and CyberSource process annually.
Visa Advanced Authorisation (VAA)
A comprehensive risk management tool that monitors and evaluates VisaNet authorisations in real time, helping issuers to promptly identify and respond to emerging fraud patterns and trends.
Visa Transaction Advisor (VTA)
Use Visa’s extensive transaction data and sophisticated risk scoring capabilities to provide a real-time transaction risk assessment to merchants.
Visa Risk Manager (VRM)
Provides issuers with a powerful online platform that manages rules in real-time to decline high risk purchases/wallet provisioning requests and flag suspicious purchases that require further investigation.
-
We deploy new technology, enabling our partners to deliver frictionless experiences that help identify and authenticate consumers.
Visa Trusted Listing*
Enables consumers to designate "trusted" digital merchants and skip subsequent consumer authentication requirements as defined in Europe's Second Payment Services Directive (PSD2).
*Visa product is currently only available in the European market.
Visa Consumer Authentication Service (VCAS)
Supports an issuer's authentication strategy within their 3-D Secure programme by providing real-time risk assessment against eCommerce fraud. Works behind the scenes evaluating each transaction based on data from Visa, the merchant and the issuer.
-
By identifying ecosystem attacks and fraud warnings early, we can work to address any vulnerability before it becomes a breach.
eCommerce Threat Disruption (eTD)
A proprietary Visa solution that proactively scours the internet to identify malicious code on merchant payment pages and provides notice of the threat so affected merchants can act to remove the malware quickly.
Vital Signs
Actively monitors for and helps counter fraudulent ATM cash-out attempts by employing sophisticated technical and analytical capabilities, including concise alerting and automated notifications for issuers.
Visa Account Attack Intelligence
Applies machine learning to Visa's vast number of processed transactions to identify BINs and merchants that are being used by hackers for guessing PANs, expiration dates and CVV2 codes through automated testing.
-
Visa Consulting & Analytics has industry knowledge and expertise to generate actionable business insights and propose data driven services and solutions to grow your business, optimise your investments and improve performance.
Country/ client security roadmaps
In partnership with local regulators, merchants, acquirers, issuers and strategic partners, Visa creates country-specific security roadmaps that outline the technology and investments necessary to secure payments. These roadmaps include details on new technologies, including best practices and country-wide mandates.
Risk managers
Every client has a risk partner at Visa. By engaging directly with clients and partnering with stakeholders, this team helps drive security initiatives and builds trust in the payments ecosystem.
-
We utilise advanced analytics and data to help authorise secure transactions and make better business decisions during disputes.
Actionable Fraud Intelligence (AFI)
Provides issuers with specific, actionable insights to improve fraud performance through proprietary benchmarking data that can help to reduce fraud without material impact to authorisation approval rates.
Visa Acquiring Risk Intelligence (VARI)
Delivers actionable performance insights and peer benchmarks to acquirers covering growth and risk metrics such as approval rates, sales volume, fraud rates and chargeback rates.
Visa Advanced Authorisation Fraud Detection (VAAFD)
A powerful interactive dashboard for issuers providing specific, actionable insights on fraud performance improvement opportunities through unique, competitive benchmarking data.
Visa Merchant Risk Intelligence (VMRI)
Presents insights that allow merchants to access their position relative to their peers in the industry, identify differences in authorisation and fraud performance, and put information to work immediately to help drive decisions with an enhanced level of certainty.
Visa Analytics Platform
A powerful application suite that delivers data-driven insights and industry benchmarks – all backed by Visa’s global payment network and state-of-the-art data science.
Set governance process
Working with clients and partners to maintain trust in our network
We share intelligence and insights to help businesses and regulators stay nimble in the changing security landscape.
-
We help enable secure digital commerce and establish high standards for transactions around the world.
EMV 3-D Secure
Facilitates greater data exchange between merchants and Issuers during the authentication of cardholders for e-commerce transactions. This enhanced risk-based authentication aims to provide a better user experience for consumers while maintaining security.
Tokenisation
A new payment architecture that is designed to reduce fraud securing the payment environment for "card not present" merchants and at the physical point of sale. Tokenisation replaces sensitive account information with a unique digital identifier called a token allowing in-store, online and in-app payments to be processed without exposing actual account details that could potentially be compromised.
-
We continuously work with clients and stakeholders to help prevent, investigate and mitigate data compromises throughout the payment ecosystem.
Breach Investigations
Visa's Payment Fraud Disruption team incorporates intelligence analysis, tools and capabilities to help prevent, investigate and minimise the impact of data compromises to Issuers using a multi-layered approach.
Credit Settlement Risk (CSR)
Visa's Credit Settlement Risk Team helps protect against losses by conducting credit evaluations of new issuer applicants, existing Issuer clients and countries where clients are domiciled.
Data Security Programmes
Visa's Data Security team provides powerful resources to help keep businesses safe and secure. The established programmes ensure relevant entities protect cardholder data in accordance with the PCI DSS and other applicable data security requirements.
Franchise Management Programmes
Visa helps minimise the impact of illegal and brand-damaging activity on the Visa payment system through a variety of acquirer programmes that check the legality of transactions and monitors for excessive chargebacks and fraud activity.
-
We help ecosystem players proactively manage risk through education on security trends and training on threat response and prevention.
Client Education
Visa provides ongoing education that helps clients stay informed on changing trends in security and how to respond effectively to protect themselves.
Payment System Intelligence Security Alerts
Delivers intelligence analysis and recommendations to issuers, acquirers and merchants of potential cybercrime threats, account compromises and fraud.