# 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. - [API Docs](https://developer.visa.com/capabilities/visa-commercial-fraud-solutions/docs-getting-started) - [API Reference](https://developer.visa.com/capabilities/visa-commercial-fraud-solutions/reference#tag/Account-Management/operation/post-createAccount_v1%20-%20Latest) ### Rules Management Service Enables establishment of dynamic controls on the Visa network in real-time. - [API Docs](https://developer.visa.com/capabilities/visa-commercial-fraud-solutions/docs-getting-started) - [API Reference](https://developer.visa.com/capabilities/visa-commercial-fraud-solutions/reference#tag/Rules-Management/operation/post-getRules_v1%20-%20Latest) ### Reporting Management Service Allows users to retrieve transaction and notification details for a card. - [API Docs](https://developer.visa.com/capabilities/visa-commercial-fraud-solutions/docs-getting-started) - [API Reference](https://developer.visa.com/capabilities/visa-commercial-fraud-solutions/reference#tag/Report-Management/operation/post-getTransactionHistory_v1%20-%20Latest) ### 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. - [API Docs](https://developer.visa.com/capabilities/visa-commercial-fraud-solutions/docs-getting-started) - [API Reference](https://developer.visa.com/capabilities/visa-commercial-fraud-solutions/reference#tag/Intelligent-Payment-Controls/operation/post-getRuleSuggestions_v1%20-%20Latest) ### Supplier Validation Helps identify and trust suppliers, ensuring payments are authorized for verified suppliers. - [API Docs](https://developer.visa.com/capabilities/visa-commercial-fraud-solutions/docs-getting-started) - [API Reference](https://developer.visa.com/capabilities/visa-commercial-fraud-solutions/reference#tag/Supplier-Validation/operation/registerSupplier_v1%20-%20Latest) ### Commercial 3DS Authentication Provides endpoints to manage the 3-D Secure authentication workflow for commercial virtual cards. - [API Docs](https://developer.visa.com/capabilities/visa-commercial-fraud-solutions/docs-getting-started) - [API Reference](https://developer.visa.com/capabilities/visa-commercial-fraud-solutions/reference#tag/Commercial-3DS-Authentication/operation/authLookup_v1%20-%20Latest)