By leveraging the power of AI, Visa Consumer Authentication Service (VCAS) provides a real-time, network-agnostic risk score. VCAS empowers clients to reduce fraud and false declines, thereby enabling intelligent and secure authentication decisions and a better cardholder experience.

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While card-not-present (CNP) fraud keeps rising, issuers are challenged to prevent fraud, minimize false declines, and deliver seamless customer experiences. With Visa Consumer Authentication Service, issuers can benefit from network agnostic, real-time risk scoring and tailored rules management. VCAS can help ensure an optimized approach to authentication that helps stop fraud at the beginning of the process.

VCAS enables data-driven authentication decisions, helping to increase approvals, remove unnecessary friction from the consumer experience and reduce challenge rates, while increasing successful transactions. An Australian issuer saw the following results after adopting VCAS with risk-based authentication (RBA)¹:

  • 48% decreased challenge rate leading to reduced cardholder friction²

  • 113 basis points reduced abandonment rate, generating higher incremental payment volumes³

  • 6 basis points reduced fraud rate by using a data-driven approach⁴

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Using data captured globally to help companies make informed authentication decisions. Learn how VCAS can help your company.
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  1. Issuer data from Visa TC40 fraud reporting from Sept 2022-Aug 2023. An Australian Issuer's Journey from SMS OTP-Only to Risk-Based Authentication Using VCAS.*
  2. Issuer data from Visa TC40 fraud reporting from Sept 2022-Aug 2023. An Australian Issuer's Journey from SMS OTP-Only to Risk-Based Authentication Using VCAS. Performance improvements are based on 6-month averages before and after the rule changes.
  3. Issuer data from Visa TC40 fraud reporting from Sept 2022-Aug 2023. An Australian Issuer's Journey from SMS OTP-Only to Risk-Based Authentication Using VCAS. Abandonment rate is calculated as EMV 3DS transactions cancelled/timed-out divided by total EMV 3DS transactions for the 6 month period after the rule changes.
  4. Issuer data from Visa TC40 fraud reporting from Sept 2022-Aug 2023. An Australian Issuer's Journey from SMS OTP-Only to Risk-Based Authentication Using VCAS. 3DS Fraud is considered confirmed fraud as per TC40 reporting for ECI 05 and 06 transactions for the 6 month period after the rule changes.
  5. Visa, 2021. How a Peruvian issuer incorporated risk-based authentication to reduce friction in their cardholders’ ecommerce activities.*
    *Statistics presented are not representative of general statistics across VCAS. Statistics shown are case study examples based on single users and should not be interpreted as indicative of broader trends or patterns.