Use real‑time insights to help detect scams and fight account-to-account fraud with Visa A2A Protect

Visa A2A Protect is a real-time risk‑scoring solution for account‑to‑account (A2A) payments. It helps financial institutions detect scams and account takeovers as they happen, reducing losses, protecting customers and strengthening trust in real‑time payments. You can deploy A2A Protect on your transactions from Day 1, with the option to enhance protection through network‑level intelligence.

Join risk leaders for the Visa Spotlight innovation event: Redefining A2A Scam Protection with Advanced AI

Real-time can be a real problem for A2A fraud

Because instant payments settle in near real-time, recovering fraudulent transactions is nearly impossible — with the potential to negatively impact consumer confidence, adoption rates and revenue.

$ 1.03 T siphoned away by scammers globally in 2024¹

1/3 consumers surveyed have fallen victim to an authorized push payment (APP) scam²

15 % of APP scam victims leave their financial institution²

Fight A2A fraud and scams with award-winning analytics and network-level intelligence

A2A Protect gives you a fast, effective way to defend against the surge in A2A fraud — delivering Day-1 impact and continuous improvement through a single, simple integration.

Deliver quick protection for your customers

A2A Protect delivers Day‑1 value through models designed to perform without requiring large volumes of historical data. A single, simple API enables rapid integration and time‑to‑value.

Protection that strengthens over time

Detection performance improves through continuous model learning within your own environment, adapting as scam and fraud patterns evolve and helping reduce false positives across inbound and outbound payment flows, with the use of award-winning analytics.

Broader visibility, when you choose it

When you are ready to opt-in, our network level score uses fraud signals from across the network or ecosystem to enhance visibility and produce more informed risk scores, helping you see the whole picture and detect a range of fraud and scams more confidently.

Get to know Visa A2A Protect

See how Visa A2A Protect can help financial institutions identify account-to-account payment risk from day one.

Strengthen A2A decisions, and protect your customers, with real‑time risk insight

Give your Financial Institution stronger customer protection across real‑time payment journeys, including push payments, request‑to‑pay, QR‑based transfers and wallets, while helping reduce losses and limit exposure to APP scam reimbursement.

• Early intervention: Identify scams and account takeovers before authorization
• Simple integration: One plug‑and‑play API with just 13 data fields, fully managed in the cloud
• Real‑time performance: Millisecond decisioning for instant and real‑time payments
• Scalable by nature: Built to support growing A2A volumes as payment networks evolve

Enhance detection with optional ecosystem intelligence

• Expanded insight: Augment your existing view with aggregated fraud signals from the wider payments ecosystem
• Explainable decisions: AI‑driven reason codes help teams understand why a score was generated and take informed action
• Hotspot identification: Improve awareness of emerging scam patterns and coordinated activity across institutions

Built to work with your existing fraud controls

• Complementary by design: Layer A2A Protect alongside your current fraud and risk systems without disruption
• Enhance outcomes: Real‑time risk scores help improve detection accuracy and support more confident decision‑making

Boost your fraud strategies with insights from Juniper Research and Visa experts

• Webinar: In this on-demand webinar, get an in-depth look at how data and AI are being used to combat ever-evolving global fraud and scams.
• White paper: Sharpen your knowledge of today’s emerging and evolving A2A payments fraud and scams and learn how data and AI are being used to prevent fraud.

CASE STUDY Pay.UK is seeing tremendous success in detecting and preventing real-time fraud

Learn how Pay.UK detected 54% of total fraud and APP scam value beyond those identified by the bank’s systems, with a 40% false positive reduction by incorporating Visa data.⁴

WHITE PAPER Stay ahead of authorized push payment scams

APP scams are a growing threat on RTP networks—impacting both consumers and banks. See how the multi-network view of Visa can deliver actionable insights.

INFOGRAPHIC Outsmart authorized push payment scams

See a snapshot of strategies to help counter authorized push payment scams.

Other Visa solutions to deliver cardholder satisfaction

The Visa Protect suite of solutions keeps digital payments moving and customers returning. See which set of solutions is best suited for your company.

Visa Risk Manager with Visa Advanced Authorization

Enhance authorization performance and simplify operations through a comprehensive risk solution for FIs.

Visa Provisioning Intelligence

Bring greater insight to token provisioning by detecting token provisioning fraud, reducing false positives and improving the digital commerce experience.

Reduce transaction friction

Visa Consumer Authentication Service can help reduce fraud and friction through Visa Protect data-driven, risk-based authentication solutions.

Visa Account Attack Intelligence Score

Advance your capabilities in fighting enumeration fraud schemes with an ​​AI-powered risk score with deep-learning technologies.

Visa Managed Services

Expand and enhance your in-house fraud capabilities by engaging Visa risk experts who specialize in helping clients optimize their fraud strategies.

Prevent scams and stop real-time fraud

See how with Visa A2A Protect.