Visa Advanced Authorization
Intelligent Authorization Decisioning and Real-Time Risk Management

Welcome to Visa's www.AdvancedAuthorization.com

Optimize your profits with powerful risk solutions.

When it comes to protecting your customers from fraud, intelligence is your best defense. By relying on the world's largest, most advanced electronic payment network you have access to risk management tools that get smarter with every transaction processed.

That's the power of VisaNet processing and our combined Visa Advanced Authorization and Visa Risk Manager solution.

 

Together, Visa Advanced Authorization and Visa Risk Manager can help you:

  • Significantly lower fraud losses
  • Enable card usage in more places
  • Optimize profitability
  • Achieve operational efficiencies
  • Respond faster to emerging fraud trends
  • Efficiently manage compromised accounts

Visa Advanced Authorization

With millions of transactions processed on VisaNet every day, Visa Advanced Authorization offers an unprecedented confirmed fraud feedback loop. Any instance of fraud is reported back into the processing system to improve the accuracy of ongoing risk detection. When we combine this detail with real-time risk scoring informed by the breadth and scale of our transaction processing, you have a uniquely powerful fraud management solution that helps minimize risk for you and your customers.

In addition to transaction-level risk, Visa Advanced Authorization provides you with two types of account-level risk intelligence - the Compromised Account Risk Condition Code and the Compromised Event Reference ID. Visa constantly monitors the VisaNet payment system for any unusual, high-risk activity, such as data compromises or testing activity. When high-risk activity is detected, account-level risk information is sent to the issuers, enabling early identification of at-risk accounts and emerging fraud schemes.

Visa Risk Manager

Designed to help financial institutions optimize loss prevention and maximize profitability, Visa Risk Manager provides issuers with an integrated suite of tools that dynamically responds to fraud as it occurs. From establishing the criteria used to decline the highest fraud risk transactions, to developing targeted strategies to investigate suspicious purchase activity, Visa Risk Manager puts advanced decision-making into the hands of each client.

Visa Risk Manager is flexible and can be configured to meet the unique needs of your organization. When you use it as a stand-alone tool or integrate it with existing fraud management capabilites, Visa Risk Manager offers the control, insight and responsiveness to dynamically address fraud throughout the entire transaction lifecycle.

How Our Products Enhance VisaNet Authorizations

Transaction Intelligence Working Image

A cardholder uses their card. The merchant/acquirer submits an authorization request to Visa. Visa then calculates the Risk Score, identifies the Compromised Account Risk Condition Code and Compromised Event Reference ID, and inserts this risk information into the transaction and forwards the message to the issuer for a decision. The issuer uses this information to approve or decline the transaction using our real-time decisioning capabilities or as part of their existing authorization solution.

For More Information

To view a short automated web presentation providing a general overview of Advanced Authorization, click here.

For additional questions, please send your request to VAA_VRM@visa.com or contact your Visa Account Executive.

 

 

 

 


 
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