Visa Consumer Authentication Service

Getting Started with Visa Consumer Authentication Service (VCAS)

About Visa Consumer Authentication Service (VCAS)

Visa Consumer Authentication Service (VCAS) is a data-driven 3-D Secure (3DS)-compliant consumer authentication solution for issuers and processors that is designed to support issuer authentication strategies. Visa developed VCAS with the goal of balancing security and convenience. By employing advanced risk-based authentication technology, VCAS assists merchants and issuers in authenticating cardholders during the checkout process. This ensures legitimate transactions are approved swiftly and seamlessly, while accurately identifying and mitigating potentially fraudulent transactions.

How Does it Work?

VCAS assesses the risk of a transaction in real time using predictive risk analysis based on enhanced inputs, including device and transaction information and behaviors. This machine-learning approach allows for a dynamic and adaptive authentication experience, facilitating a frictionless checkout process for low-risk transactions. For higher-risk transactions, VCAS can trigger additional authentication steps, such as one-time passcodes or biometric authentication to confirm the cardholder’s identity and prevent fraud. By integrating VCAS, merchants and issuers can benefit from reduced card abandonment, seamless checkout experiences and increased authorization rates.

Key Features

• EMV 3DS compliance
• Machine learning
• Real-Time, Risk-Based assessments
• Seamless integrations
• Rules engine
• Enhanced data sharing via Intelligent Data Exchange (IDX)

Benefits

• Reduced cart abandonment
• Reduced fraud
• Seamless shopping experience
• Enhanced data sharing
• Increased authorization rates

VCAS Risk Model

APIs Included

Card Status API

• Enable issuers to manage card status information associated with a specific issuer and card number/PAN
• Issuers can set card status to Active, Blocked, Bypass, or Disabled during transaction processing
• Functionality includes ability to Create, Retrieve, and Update card status

Confirmed Marking API

• Allows clients to notify VCAS when the status of a transaction has been verified
• Issuers have the option to mark transactions as Good, Fraud, or Undetermined
• This API is not used for back-office or administrative functions.