# Visa Protect for Account-to-Account Payments Enterprise-wide risk solutions to keep real-time payments (RTP) moving. ## Real-time can be a real problem for fraud and scams Because immediate payments settle in near real-time, recovering fraudulent transactions is nearly impossible—hampering consumer confidence, slowing adoption and impacting revenue. $ 55 B in online RTP scams worldwide¹ $55B in online RTP scams worldwide¹ 68 % of consumers received unsolicited communication they thought was part of a RTP scam² 68% of consumers received unsolicited communication they thought was part of a RTP scam² 15 % of authorized push payment (APP) scam victims leave their financial institution³ 15% of authorized push payment (APP) scam victims leave their financial institution³ 1. 2021; [https://thepaypers.com/expert-opinion/online-scams-have-become-a-global-epidemic--1260282](https://thepaypers.com/expert-opinion/online-scams-have-become-a-global-epidemic--1260282) 2. [https://www.fico.com/blogs/real-time-payments-survey-reveals-growth-usage-and-scams](https://www.fico.com/blogs/real-time-payments-survey-reveals-growth-usage-and-scams) 3. [https://corporate.visa.com/content/dam/vcom/corporate/products/documents/app-scam-whitepaper.pdf](https://caribbean.visa.com/content/dam/VCOM/corporate/products/documents/app-scam-whitepaper.pdf) --- ## For instant payments, Visa is the answer As a global payments leader, Visa provides a multi-financial institution and multi-network approach to monitor and prevent real-time payment fraud and scams. ### Advanced AI Applied across billions of originating and receiving endpoints, and multiple instant payment networks. ### Sophisticated AI models Help inform real-time payment decisions. ### Decades of experience In proactive transaction scoring and network risk management. ## See how Visa Protect for Account-to-Account Payments evaluates risks effectively - ### WHITEPAPER Stay ahead of APP scams APP scams are a growing threat on RTP networks— impacting both consumers and banks. See how Visa’s multi-network view can deliver actionable advice. [Get the whitepaper (English)](https://caribbean.visa.com/content/dam/VCOM/corporate/products/documents/app-scam-whitepaper.pdf) --- ### Pay.UK case study Pay.UK partners with Visa in pilot to fight real-time payments fraud and scams [See the results (English)](https://navigate.visa.com/europe/security/visas-new-ai-tool) ## News and resources Learn how Visa’s risk solutions slow fraud and keep business moving for real-time payment operators. ### Insights to counter APP scams Swift, simple reimbursement is often the deciding factor between staying with or switching banks. - [View the infographic (English)](https://caribbean.visa.com/content/dam/VCOM/corporate/products/documents/app-scam-infographic.pdf) ### Instant payments fraud mitigation As North America starts to adopt instant payments, fraud management needs to be top of mind. - [Learn to address instant payments fraud (English)](https://caribbean.visa.com/content/dam/VCOM/corporate/products/documents/visa-b2b-rtp-whitepaper.pdf) ## Prevent scams and stop real-time payments fraud See how with Visa Protect for Account-to-Account Payments.