Visa Commercial Fraud Solutions
Visa Commercial Fraud Solutions
Powering the Future of Secure Commercial Payments
Available for Use By
- Issuer Banks
- Issuer Banks for Small Business
Regional Availability
- N. America
- Asia-Pacific
- Europe
- CEMEA
- LAC
Fees & Terms
Free to use in Sandbox. Contact for Production fees. Product terms located at end of the page.
End‑to‑End Protection That Strengthens Decisions and Drives Better Outcomes
Visa Commercial Fraud Solutions addresses various client needs across the commercial payments ecosystem. These solutions connect authentication, authorization intelligence, supplier integrity, and spend governance into a cohesive experience. By aligning network-level intelligence, AI driven insights, configurable controls, and operational tools across the payment lifecycle, Visa helps issuers address evolving digital fraud risks while supporting secure, efficient commercial payment experiences.
Benefits Include:
- A more connected commercial payment risk management experience. Brings fraud and risk capabilities together across authentication, authorization, supplier integrity, and post‑transaction operations.
- Greater confidence in digital commercial payments. Helps issuers address evolving digital fraud risks across various use cases.
- Improved visibility and control across spend. Supports oversight of supplier activity and spend governance.
- More efficient fraud and risk operations. Connects fraud, dispute, and compliance processes.
- A modular approach that adapts as needs evolve. Allows issuers to deploy individual capabilities or layer solutions over time.
Visa Commercial Fraud Solutions consists of three API bundles that provide comprehensive fraud prevention solutions for commercial card accounts:
- Visa Commercial Payment Controls - Lets clients set controls on commercial card accounts to protect commercial payments.
- Visa Commercial Supplier Validation - Enables issuers to restrict virtual card usage to specific validated suppliers.
- Visa Commercial Virtual Authentication - A 3DS authentication solution enabling secure identity verification of commercial virtual card users.
Key Features
Provide 3DS Authentication to Reduce E-Commerce Fraud
Identify Trusted Buyer/Supplier Relationships
Provide Businesses with Opportunity to Set Precise Controls
Why Use It?
Emerging patterns are reshaping how businesses manage payments. The evolution in B2B payments affects a range of participants within the commercial landscape:
- Financial Institutions: Support organizations in managing their capital and delivering modern payment experiences.
- Software Vendors and ERPs: Driving digitization of accounts payable and receivable, reshaping how businesses reconcile payments.
- Buyers and Suppliers: The shift toward digital payments accelerates the need to modernize processes and adopt secure solutions.
Visa Commercial Virtual Authentication
- Smarter Authentication: Uses risk-based cardholder authentication for digital spending.
- Enhanced Fraud Protection: Strengthens authentication without changing how transactions are approved.
- Operational Efficiency: Real-time authentication minimizes manual review.
- Stay in Control: Authenticate transactions in real time without impacting payment approval.
Visa Commercial Supplier Validation
- Improved Trust: Higher authorization accuracy strengthens client confidence.
- Enhanced Fraud Protection: Restrict virtual card usage to validated suppliers.
- Operational Efficiency: Automation reduces manual supplier checks.
- Strategic Differentiation: Strengthens the Issuer’s B2B competitive position.
Visa Commercial Payment Controls
- Smarter Controls: Applied rules control spend by various parameters.
- Enhanced Fraud Protection: Prevents unauthorized payments.
- Operational Efficiency: Automates enforcement and reduces manual review.
- Stay in Control: Manage controls across virtual and physical cards.
APIs Included
Account Management Service
Used to create accounts, add payment controls, manage contacts, and more.
Rules Management Service
Enables establishment of dynamic controls on the Visa network in real-time.
Reporting Management Service
Allows users to retrieve transaction and notification details for a card.
Notification Service
Allows choice of how alerts are received when transactions are blocked or approved.
Intelligent Payment Controls Service (Gen AI)
Evaluates prompts to recommend suitable controls for payment transactions.
Supplier Validation
Helps identify and trust suppliers, ensuring payments are authorized for verified suppliers.
Commercial 3DS Authentication
Provides endpoints to manage the 3-D Secure authentication workflow for commercial virtual cards.