Invest in intelligence and technology
We bolster trust in our network by utilising talent and technology to help prevent, detect and eradicate threats.
Risk solutions for acquirers
At Visa, payment security is part of everything we do. Our advances in predictive analytics, tokenisation and biometrics allow us to keep fraud rates at .01%-a near historic low. It's a rare combination of protection and enablement that makes our payment network secure, yet seamless. Which is good for everyone.
Optimise authorisation process
Comprehensive risk management helps our partners optimise loss prevention and maximise profitability.
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.
Enable seamless authentication
We deploy new technology, enabling our partners to deliver frictionless experiences that help identify and authenticate consumers.
Visa ID Intelligence
Provides an ecosystem of curated authentication solutions to issuers, acquirers and merchants to enable seamless and secure customer experiences. Visa ID Intelligence includes a biometrics service allowing you to use face, fingerprint and voice to create simpler authentication experiences to satisfy customer needs for ease-of-use simplicity and speed. Applications could include app login, payments, step-up authentication and more.
Help prevent, detect and eradicate threats
By identifying ecosystem attacks and fraud warnings early, we can work to address any vulnerability before it becomes a breach.
Card Attack Tool (CAT)
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.
Develop strategies to deliver value
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.
Using analytics for enhanced performance
We utilise advanced analytics and data to help authorise secure transactions and make better business decisions during disputes.
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.
VisaVue Online- Fraud Performance Benchmarking
Fraud Performance Benchmarking report that provides a powerful combination of timely, comprehensive and targeted information and benchmarking data to enable issuers and acquirers to more effectively meet today's fraud control and risk management demands.
Set governance process
We share intelligence and insights to help businesses and regulators stay nimble in the changing security landscape.
Innovate at scale
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 eCommerce 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.
Safeguard data
We continuously work with clients and stakeholders to help prevent, investigate and mitigate data compromises throughout the payment ecosystem.
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.
Best practices and security alerts
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.