Secure online payments with Visa Enhanced Authentication Solutions

Strengthen your online checkout with Visa Enhanced Authentication Solutions (VEAS), a suite of flexible, real-time tools tailored to your risk strategy to help increase approvals, prevent fraud and keep checkout friction low.

Authenticate your way with flexible, data‑driven layered defense

Visa Enhanced Authentication Solutions verify customers in real time, sharing rich transaction data between merchants and issuers to improve approvals and enhance checkout. Use them together or individually within your layered‑defense strategy to apply the right security to each transaction.

Reduce fraud and false declines

Identify genuine customers to help stop fraud and approve more legitimate transactions.

Increase approvals and satisfaction

Use data‑driven insights to approve trusted customers faster for a smooth checkout experience.

Simplify compliance and liability

Meet global payments requirements like PSD2 SCA and gain liability protection for qualifying transactions without slowing payments.

Real-time data for secure, compliant payments

EMV 3DS uses rich, real‑time data — securely exchanged between merchants and issuers — to verify cardholder identity before payment approval. Depending on risk, regulation and issuer decisioning, authentication can be completed smoothly in the background or require additional customer validation. This helps prevent fraud, improve approval accuracy, reduce PSD2 SCA scope and support regional mandates — all while helping protect the checkout experience.

Enriched data for faster, frictionless approvals

Data Only shares detailed transaction information with issuers in real time, enabling faster, more accurate approvals without interrupting checkout. It’s best for low‑risk transactions or trusted customers where speed and customer experience are priority but effective fraud detection is still needed.

Effortless, secure transactions

Visa Enhanced Authentication Solutions evaluate transactions instantly, using comprehensive risk assessment to detect fraud. Most legitimate purchases are approved immediately, with only high-risk ones sent for additional verification.

Step 1: Transaction details sent for authentication

When a customer pays online, the merchant sends transaction details for risk assessment.

Step 2: Issuer reviews risk in real time

The issuer’s systems analyze transaction data to determine if further verification is needed.

Step 3: Frictionless or step‑up authentication

Low‑risk transactions are approved behind the scenes, while higher‑risk transactions may require additional verification or be declined.

Solutions that integrate with Visa Enhanced Authentication Solutions

Explore other solutions that easily integrate with EMV 3DS and Data Only to deliver smarter, more secure digital payments.

Decision Manager

Decision Manager is our AI-powered fraud management solution, supported by robust data to help detect fraud and automate decision making.

Token Management Service

Secure digital payments and simplify management of customer credentials with tokenization.

Unified Checkout

Easily integrate payment methods to reduce cart abandonment and capture more sales across channels.

Ready to transform your payment strategy and offering?

Let’s connect and discuss the right solutions for you.

EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.