A better way to protect your cardholders by preventing token provisioning fraud

Tokenization helps keep commerce safe and convenient. However, fraudulently provisioned tokens threaten the payments ecosystem, with an estimated $809M losses globally in 2025.¹ VPI uses AI to help issuers differentiate between genuine and fraudulent token requests and reduce false positives.

14 x more fraud detected with VPI vs. token requestor scores²

94 % fewer false positives with VPI vs. token requestor scores²

Visa brings deep fraud prevention expertise

Visa brings decades of experience to all aspects of fraud prevention, from token provisioning requests to authorization. VPI uses segment-level supervised machine learning to identify patterns in past token requests across device, e-commerce and card-on-file tokens to better predict the probability of token provisioning fraud.

Tokenization leaders

Since 2014, Visa has brought greater protection to digital commerce, issuing 10B tokens, and with over 2.5M eCommerce merchants transacting with Visa tokens.³

AI pioneers

30+ years ago, Visa was the first network to deploy AI-based technology for risk and fraud management. Today, AI models power 100+ products, helping to protect all players in the payments ecosystem.⁴

News and resources

Learn how Visa risk solutions slow fraud and keep business moving for banks.

Protect your cardholders by preventing token provisioning fraud

See how Visa Provisioning Intelligence with real-time fraud risk scoring can improve token request decisioning and your cardholders’ experience.

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  1. Annual token provisioning fraud as of 2025 would be $809M (up from $450M). Visa MIS; based on Visa Product Brands, VisaNet Clearing and Settlement and Fraud Reporting as of July 25th, 2025. Includes cash, excludes collections, Russia NSPK, and India Domestic volumes.
  2. VisaNet, issuer reported fraud rates for mobile devices using secure element or host cloud emulation in January 2025 occurring within 7 days of token provisioning. Results are based on comparing the VPI score to other device risk scores provided by token requestors in a random sample of token requests that is statistically meaningful while also maintaining Visa confidentiality obligations to other parties. The fraud prevention rate and false positive ratios comparison is determined by comparing the highest risk-rated token requestor scores versus the highest risk-rated VPI scores.
  3. VisaNet, Visa global token transactions starting in 2014 and as of June 2024.
  4. 30 years of AI and counting, September 14, 2023