VCAS helps reduce fraud at authentication | Visa

Visa Consumer Authentication Service reduces fraud at authentication

By leveraging the power of AI, Visa Consumer Authentication Service (VCAS) provides a real-time, network-agnostic risk score. VCAS empowers clients to reduce fraud and false declines, thereby enabling intelligent and secure authentication decisions and a better cardholder experience.

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.

Drive smarter authentication decisioning

VCAS delivers a network-agnostic risk score based on payment ecosystem data from merchants, issuers and Visa, as well as other networks. Built on EMV® 3DS rails, the solution’s risk engine + EMV 3-D Secure data allows merchants and issuers to share transaction data to help reduce cardholder fraud without increasing friction.

Greater flexibility through customized authentication rules

Issuers can help reduce friction and stay ahead of fraudsters by creating, testing and publishing data-driven authentication rules that align with issuers' in-house fraud strategies. Equipped with VCAS Rules Manager and VCAS Rule Tester, issuers can customize the rule parameters to capture transactions that trigger successful outcomes and step-up or decline transactions that are identified as high-risk.

Reduce friction and improve customer experiences

VCAS helps deliver issuer authentication strategies, helping to better meet customer needs by delivering simple and secure digital commerce experiences. With the opportunity to support issuers with a range of consumer-friendly dynamic authentication options, such as biometrics and one-time passcodes, to help limit friction.

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):

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 VCAS

Using data captured globally to help companies make informed authentication decisions. Learn how VCAS can help your company.

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Start enabling data-driven authentication decisions

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