The Visa Protect suite of AI-powered fraud prevention solutions helps global banks approve more good transactions while reducing fraud. Visa Risk Manager (VRM) with network-agnostic Visa Advanced Authorization (VAA) helps simplify fraud mitigation for all card payments, both Visa and non-Visa. Powered by deep learning AI, Visa Deep Authorization (VDA) helps issuers boost approvals for card-not-present (CNP) transactions.

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Fraud is rapidly increasing and becoming more sophisticated. Have the confidence to stop fraud and false declines while creating lifelong cardholder relationships and seamless payment experiences.
Leveraging Visa’s decades of AI experience and fraud expertise, the VAA risk score helps issuers better detect fraud at the time of authorization for all card payments.
  • Simple-to-use risk score: Real-time risk scoring helps issuers identify good and bad transactions.
  • Visa global insights: Harnesses global data and captures fraud patterns by location of issuance, card type and transaction type.
  • Sophisticated in-flight risk scoring: Evaluates up to 400 unique attributes per transaction.
  • Better-informed authorization decisions: Customized to fit the specific needs of different markets and segments.

VRM provides issuers with control and flexibility to manage their risk strategies and tolerance across all card payments. Using the VAA risk score along with 70+ transaction parameters, VRM helps issuers build targeted rules to decline only the highest-risk transactions.

  • Rules manager: Create, test and publish custom strategies using a web-based interface.
  • Account Management: Create discrete rules for specific card accounts, manage whitelists and blacklists.
  • Case Manager: Flag transactions for further review and analysis.
  • Report Generation: Track account activity, learn from previous transactions and manage the performance of rules.
Through richer data and AI, VDA delivers a robust, real-time risk score, helping issuers enhance the cardholder’s eCommerce experience while preventing fraud from happening.
  • Deep learning advantage: A dynamic model that identifies fast-changing fraud patterns, built on recurrent neural networks (RNNs) based on deep learning technology.
  • Gain account-level insights: Understand relative risks for a given transaction through a sequential, contextual view of accounts and merchant profile information.
  • Operational cost savings: Helps banks decline fraudulent transactions upfront to avoid lengthy operational processes and costs.
  • Improve ROI: Detect and decline potential fraudulent transactions to help reduce fraud losses, and approve transactions with low VDA risk scores for incremental revenue.
Today’s rapidly evolving fraud trends call for sophisticated approaches to risk management. Issuers need solutions that can be implemented swiftly and efficiently across their entire portfolio of cards, regardless of network.
As a part of the Visa Protect suite of risk solutions, Visa Risk Manager with network agnostic Visa Advanced Authorization work together to give global issuers comprehensive, targeted fraud risk management to optimize their authorization performance.

  • $30B in fraud prevented annually¹

  • 400 risk attributes are analyzed by network-agnostic VAA in less than a millisecond to identify high-risk transactions²

  • 8K+ banks rely on VAA and VRM to identify fraud³

Emirates NBD reduced fraud and operational complexity with Visa Risk Manager and network-agnostic Visa Advanced Authorization.

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Visa Protect risk solutions keep digital payment experiences moving and customers returning. Explore our other solutions that help stop fraud but keep your business growing.
See how the comprehensive risk solution of Visa Risk Manager with Visa Advanced Authorization and help increase your authorization performance.
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  1. VisaNet Data, transaction fraud prevented globally by VAA, July 2023 – June 2024
  2. VisaNet data unique attributes evaluated
  3. VisaNet data 2024
  4. Emirates NBD reported $45 million in fraud loss prevention across their non-Visa portfolio between September 2022 and May 2024, and $105 million in fraud loss prevention across their Visa and non-Visa portfolios in 2023.