Visa Consumer Authentication Service is a data-driven hosted solution designed to support an issuer’s authentication strategies with their 3-D Secure program - making authentication fast and secure while limiting friction for a better cardholder experience.
Visa Consumer Authentication Service at a glance
Visa Consumer Authentication Service delivers the intelligence you need to reduce fraud and false declines, while limiting friction for a better cardholder experience.
Create, test and publish authentication rules using a variety of parameters, customer accounts, and transaction data via web portal.
Provides issuers with strong risk-based authentication using Visa’s proprietary risk score - assessing the risk of a transaction in real-time using predictive risk analysis based on enhanced inputs, including device and transaction information and behaviors.
manages both 3-D
Secure 1.0 and 2.0
Seamlessly manages both 3-D Secure 1.0 and 2.0 protocols and all major card network programs including Visa, Mastercard, American Express, JCB and Discover.
In-compliance with regional mandates including BME, PSD2 and SCA.
How 3-D Secure Authentication works
The issuer collaborates with the merchant to authenticate the cardholder’s identity before authorization occurs. Working behind the scenes, it evaluates the relative risk of each transaction based on an exchange of robust data between the merchant, issuer, and Visa.
Support for all major card network programs
The Power of Visa and CardinalCommerce
Visa is a global leader in digital payments. CardinalCommerce deepens insights with comprehensive visibility into card-not-present and 3-D Secure processed transactions. Together, Visa and CardinalCommerce are uniquely capable of offering unparalleled intelligence—combining Visa, merchant and issuer data for smarter risk-based decisions and better consumer experiences.
Simply put, Visa Consumer Authentication Service delivers the intelligence you need to reduce fraud and false declines, while limiting friction for a better cardholder experience.