In 2025, the digital payments rails behind ecommerce were operating at extraordinary scale, Visa alone processed 257.5 billion transactions across its network.  With such rapid growth, it’s easier than ever to get what you need from anywhere. But this convenience also brings risks, as online payment fraud and scams continue to rise. According to the Federal Trade Commission (FTC), consumers reported losing over $12.5 billion to fraud in 2024, a stark 25% increase from the previous year. That’s why understanding online shopping safety and knowing what’s protecting your purchase every time you enter your card details online is so important.

All open public blockchains are based on the idea that they should be able to reach consensus across a distributed network, even when there are conflicts, without putting control in one place. Proof-of-Work (PoW) and Proof-of-Stake (PoS) are the two best-known algorithms to achieve consensus. In this article, we examine both PoW and PoS in terms of their technical architecture, coordination mechanisms, and economic incentives to understand their characteristics and trade-offs.
Visa Secure with EMV® 3-D Secure (3DS) is an online authentication service that helps confirm your identity when you make purchases with participating online merchants using your Visa card. Working with your bank, Visa Secure adds an extra layer of protection to help prevent unauthorized use of your card. In many cases, you won’t even notice it’s happening. For transactions that require extra verification, your bank may ask you to confirm your identity — for example, by entering a one-time code or using biometric authentication like facial recognition.

The risks of online payment fraud

Shopping online is easy and convenient, but it is also important to recognize that risks like online payment fraud exist. Cybercriminals are always looking for ways to trick shoppers and steal payment details. With so many online payment solutions and stores available, even careful shoppers can become targets. 

• Fraud can be stressful and costly, and resolving disputes can mean precious time spent on long phone calls, updating passwords and worrying about where your personal information ended up. That’s why we created Visa Secure.
• Visa Secure is one important part of an overall fraud prevention strategy.

It works alongside our other tools like transaction monitoring, encryption and fraud detection systems, to help keep your account safer while empowering you to enjoy safe and secure online shopping.

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