Secure online payments with Visa Enhanced Authentication Solutions

ENHANCED AUTHENTICATION 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.
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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.

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.

Learn about Decision Manager

Token Management Service

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

Learn about Token Management Service

Unified Checkout

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

Learn about Unified Checkout

Ready to transform your payment strategy and offering?

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