Invest in intelligence and technology
We bolster trust in our network by utilizing talent and technology to help prevent, detect and eradicate threats.
Risk solutions for merchants
With every transaction, our Advanced Authorization technology analyzes up to 500 unique risk factors to detect fraud in real-time–making fraud detection faster, more efficient and far more accurate. So your customers can buy with confidence every time.
Optimize authorization process
Comprehensive risk management helps our partners optimize loss prevention and maximize profitability.
CyberSource Decision Manager
Provides merchants with a fraud management solution that helps optimize authorizations through scoring digital transactions based on insights from over 68 billion worldwide transactions that Visa and CyberSource process annually.
Learn more about CyberSource Decision ManagerVisa Transaction Advisor
Use Visa’s extensive transaction data and sophisticated risk scoring capabilities to provide a real-time transaction risk assessment to merchants.
Learn more about Visa Transaction AdvisorHelp 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.
eCommerce Threat Disruption (eTD)
A proprietary Visa solution that proactively scours the internet to identify malicious code on merchant payment pages and then automatically notifies the merchant of the threat so that they can act to remove the malware quickly.
See how eTD worksVisa 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.
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, optimize 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 utilize advanced analytics and data to help authorize secure transactions and make better business decisions during disputes.
Visa Merchant Risk Intelligence (VMRI)
Presents insights that allow merchants to access their position relative to their peers in the industry, identify differences in authorization and fraud performance, and put information to work immediately to help drive decisions with an enhanced level of certainty.
See how VMRI works
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.
Learn more about TokenisationSafeguard data
We continuously work with clients and stakeholders to help prevent, investigate and mitigate data compromises throughout the payment ecosystem.
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.
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.