A tailored approach to authentication strategies

While card-not-present (CNP) fraud keeps rising, issuers are challenged to prevent fraud, minimize false declines, and deliver seamless customer experiences. With Visa Consumer Authentication Service, issuers can benefit from network agnostic, real-time risk scoring and tailored rules management. VCAS can help ensure an optimized approach to authentication that helps stop fraud at the beginning of the process.

30+ years of AI expertise

VCAS offers AI-powered fraud scores as the cornerstone of their authentication strategy - drawing from information such as transaction details, geo-location, device and session information.

Data-driven decisioning

Using a data-driven approach to verify cardholders, issuers can deliver an improved cardholder experience by frictionlessly authenticating low-risk transactions and only challenging those that are risky.

Optimized approach

With VCAS, issuers can combine rule parameters and test rules before publishing them into production to better evaluate performance based on historical transactions.

Helps deliver quick and easy secure authentication to reduce fraud

VCAS enables data-driven authentication decisions, helping to increase approvals, remove unnecessary friction from the consumer experience and reduce challenge rates, while increasing successful transactions. An Australian issuer saw the following results after adopting VCAS with risk-based authentication (RBA)¹:

48 %

decreased challenge rate leading to reduced cardholder friction²

113

basis points reduced abandonment rate, generating higher incremental payment volumes³

6

basis points reduced fraud rate by using a data-driven approach⁴

Make informed authentication decisions by leveraging global data

Learn how VCAS has helped companies across the globe and see how VCAS can help you.

Case study

One customer saw a 30 percentage point decrease in challenge rate with VCAS⁵

Using data captured globally to help companies make informed authentication decisions. Learn how VCAS can help deliver similar results for you.

Deliver cardholder satisfaction with other Visa solutions

Visa Protect suite of solutions keeps digital payment experiences moving and customers returning. See which set of solutions will work best for your company.

Learn more about how Visa products work to fight fraud

Find out how Visa’s risk solutions slow fraud and keep business moving for banks.

Start enabling data-driven authentication decisions

See how the comprehensive risk solution of Visa Consumer Authentication Service can help improve your 
authorization operations.

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  1. Issuer data from Visa TC40 fraud reporting from Sept 2022-Aug 2023. An Australian Issuer's Journey from SMS OTP-Only to Risk-Based Authentication Using VCAS.*
  2. Issuer data from Visa TC40 fraud reporting from Sept 2022-Aug 2023. An Australian Issuer's Journey from SMS OTP-Only to Risk-Based Authentication Using VCAS. Performance improvements are based on 6-month averages before and after the rule changes.
  3. Issuer data from Visa TC40 fraud reporting from Sept 2022-Aug 2023. An Australian Issuer's Journey from SMS OTP-Only to Risk-Based Authentication Using VCAS. Abandonment rate is calculated as EMV 3DS transactions cancelled/timed-out divided by total EMV 3DS transactions for the 6 month period after the rule changes.
  4. Issuer data from Visa TC40 fraud reporting from Sept 2022-Aug 2023. An Australian Issuer's Journey from SMS OTP-Only to Risk-Based Authentication Using VCAS. 3DS Fraud is considered confirmed fraud as per TC40 reporting for ECI 05 and 06 transactions for the 6 month period after the rule changes.
  5. Visa, 2021. How a Peruvian issuer incorporated risk-based authentication to reduce friction in their cardholders’ ecommerce activities.*
    *Statistics presented are not representative of general statistics across VCAS. Statistics shown are case study examples based on single users and should not be interpreted as indicative of broader trends or patterns.