Authenticate your way with flexible, data‑driven layered defense
Visa Enhanced Authentication Solutions verify customers in real time, sharing rich transaction data between merchants and issuers to improve approvals and enhance checkout. Use them together or individually within your layered‑defense strategy to apply the right security to each transaction.
Reduce fraud and false declines
Increase approvals and satisfaction
Simplify compliance and liability
Effortless, secure transactions
Visa Enhanced Authentication Solutions evaluate transactions instantly, using comprehensive risk assessment to detect fraud. Most legitimate purchases are approved immediately, with only high-risk ones sent for additional verification.
Step 1: Transaction details sent for authentication
When a customer pays online, the merchant sends transaction details for risk assessment.
Step 2: Issuer reviews risk in real time
The issuer’s systems analyze transaction data to determine if further verification is needed.
Step 3: Frictionless or step‑up authentication
Low‑risk transactions are approved behind the scenes, while higher‑risk transactions may require additional verification or be declined.
Solutions that integrate with Visa Enhanced Authentication Solutions
Explore other solutions that easily integrate with EMV 3DS and Data Only to deliver smarter, more secure digital payments.
Decision Manager
Decision Manager is our AI-powered fraud management solution, supported by robust data to help detect fraud and automate decision making.
Token Management Service
Secure digital payments and simplify management of customer credentials with tokenization.
Unified Checkout
Easily integrate payment methods to reduce cart abandonment and capture more sales across channels.
EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.