Fraud Solution Profile

Visa Protect: Comprehensive Fraud Prevention and Authentication Solutions

Visa Protect delivers a comprehensive suite of fraud prevention and authentication solutions designed to secure every stage of the payment journey. Our platform empowers merchants and issuers to combat evolving threats, reduce fraud losses, and maintain customer trust without sacrificing convenience. By leveraging Visa’s global network, advanced analytics, and AI-driven intelligence, Visa Protect helps to ensures unmatched security, scalability, and performance for businesses worldwide.

Why Visa Protect?

Visa Protect differentiates itself through:

• Global Scale and Intelligence: Access to VisaNet data and AI models for real-time fraud detection.
• End-to-End Coverage: Solutions for issuers, acquirers, and merchants across the entire transaction lifecycle.
• Frictionless Experience: Balancing security with seamless customer interactions.

Fraud Platform (Banking Focus)

Visa Protect empowers banks and issuers to manage fraud risk effectively:

• Visa Risk Manager (VRM) – Advanced enterprise risk management backed by the power of Visa. Visa Risk Manager helps financial institutions manage their risk and authorization strategies across Visa and non-Visa transactions, against a broad set of fraud threats throughout the entire transaction lifecycle. Using Visa’s extensive data, robust infrastructure, intelligent decisioning, and specialized risk models, VRM can help issuers maximize approvals and minimize fraud for their portfolio’s distinct fraud patterns. (Learn More)

Fraud Platform (Merchant Focus)

Visa Protect helps merchants reduce fraud and improve authorization rates:

• Decision Manager – Highly customizable, network-agnostic fraud management platform that combines advanced machine learning with VisaNet’s global transaction intelligence to detect and prevent fraud in real time. It delivers automated decisioning at scale, helping merchants of all sizes to reduce fraud losses, improve authorization rates, and protect revenue without adding unnecessary friction. (Learn more)

Identity and Authentication

Bank/Issuer Focus

• Visa Consumer Authentication Service (VCAS) – Comprehensive authentication solution that delivers a network-agnostic risk score based on payment ecosystem data from merchants, issuers and Visa, as well as other networks. A hosted 3-D Secure Access Control Server (ACS) that delivers multiple layers of protection against e-commerce fraud through robust risk-based and dynamic authentication methods. VCAS can also help issuers meet regional SCA requirements with its advanced authentication methods. (Learn more)
• Visa Protect Authentication Intelligence – AI-powered risk score using Visa’s consortium‑level data and advanced machine learning to assess a hosted 3-D Secure Access Control Server (ACS) that delivers multiple layers of protection against e-commerce fraud through robust risk-based and dynamic authentication methods. VCAS can also help issuers meet regional SCA requirements with its advanced authentication methods. (Learn more)

Chargebacks and Disputes

• Verifi –Streamlined dispute and chargeback resolution suite providing next-generation, post-purchase solutions.

Fraud and AML

• Featurespace  – AI powered, real-time fraud prevention that provides a 360° view of customers to combat financial crime by addressing payments fraud and scams, card fraud and 3DS authentication, merchant fraud, application fraud, and AML.

Managed Services 

• Visa Managed Services – Enhance clients’ fraud strategies with deep industry knowledge and experience. Visa Managed Services expands and enhances clients’ in-house fraud capabilities by adding experienced consultants who can help provide the extra knowledge to lower payment risks while increasing acceptance. (Learn More)