Fraud Solution Profile

Cybersource helps empowers merchants to grow securely and efficiently by delivering AI-driven fraud prevention, intelligent authentication, and automated risk-management capabilities – all strengthened by Visa’s global network intelligence. With a focus on performance, security, and customer experience, Cybersource helps businesses protect revenue, reduce operational complexity, and stay ahead of emerging threats.

Core Solution Capabilities:

• Fraud Management:

• Decision Manager (DM) –  Highly customizable, network‑agnostic fraud‑management platform that combines advanced AI/ML with VisaNet’s global intelligence to help detect and prevent fraud in real time. DM delivers automated decisioning at scale, helping merchants reduce potential fraud losses, increase acceptance rates, and reduce friction across the customer journey. 

• • • Risk & Rule Strategy Tools – Built directly into Decision Manager, these resources allow merchants to fine tune, test, and improve fraud strategies tailored to their unique business models. These tools help merchants refine risk thresholds, enhance decision accuracy, and adapt quickly to emerging fraud patterns without requiring extensive operational overhead.

• KPI Dashboard – Provides real-time visibility into the performance of a merchant’s fraud strategy. Integrated within Decision Manager, the dashboard consolidates key fraud-management metrics—such as approval rates, review rates, fraud rates, chargeback trends, and rule effectiveness—into an intuitive, actionable view.

• Fraud Management Essentials (FME) – Simplified, pre‑configured fraud protection designed for small and mid‑sized merchants. With rapid implementation and automated monitoring, FME brings enterprise‑grade risk controls to growing businesses without requiring dedicated fraud teams.

• Visa Protect Risk Insights (VPRI) –  AI-driven risk intelligence tool that provides a 0–99 transaction risk score and behavioral or identity insights via a simple API. VPRI enhances fraud prevention by sharing unique network-rich data signals, allowing clients to spot risky transactions sooner, reduce false declines, approve more valid customers, and improve models without replacing existing systems. (Disclosure – VPRI is currently being provided through a CYBS API.)

• Identity & Authentication: 

• Enhanced Authentication Solutions – Multi-network, authentication and data‑sharing solution that enables merchants and acquirers to provide rich, contextual transaction information to issuers, helping reduce fraud, increase approvals, and reduce false declines. Built on EMV 3DS standards, it supports both authentication and data‑only flows to deliver a secure, scalable, and enhanced user experience, while also helping merchants support the SCA mandate under PSD2, where applicable.

• Tokenization – Replaces sensitive payment data with secure tokens to reduce payment fraud, decrease PCI scope, and support consistent cross-channel experiences.

• Support Services: 

• • Managed Services – Expert, hands‑on support to help optimize or manage fraud, authentication, and authorization performance. Combines tailored rule strategies, ongoing monitoring, deep data insights, and dedicated advisory guidance. Experts provide flexible options to meet clients where they are in their fraud fighting journey, helping clients boost approvals, reduce fraud, and enhance customer experience with scalable, globally supported risk management. (Learn More)