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Key Features
The following table lists the regional availability for Visa Transaction Controls. To view availability of all products, refer to the Availability Matrix.
| North America | Asia-Pacific | Europe | CEMEA | LAC | Notes |
|---|---|---|---|---|---|
VTC offers issuers a variety of block and alert capabilities, the exact features and functionality of which they can then select, configure and present to their cardholders. VTC blocks and alerts are extremely flexible and designed to work together or be used independent of each other, as standalone features, with different thresholds triggering their use.
For example, an issuer may allow cardholders to block all internet transactions or only internet transactions over a certain purchase amount. An alert may accompany these transactions that is triggered at a lower dollar amount than is used for declines (e.g. trigger an alert for all internet purchases over $100 and decline all internet purchases over $1000). Similarly, the issuer may not want to offer transaction blocking seeking to avoid unintentional declines and only allow use of VTC alerts.
Each VTC alert contains important transaction details, such as the amount, time, date, alert type and the type of purchase. Alerts allow cardholders to take immediate action at the first sign of potential fraud. Alerts are sent to the issuer’s existing alert platform to notify the customer.
| TYPE OF BLOCKS AND ALERTS |
DESCRIPTION |
|---|---|
| Global | Card-level rules, imposed on all transactions (e.g. Card On/Off). |
| Cross Border | Used when the merchant and issuer’s country code do not match for a card-present transaction. |
| E-Commerce | Used for card-not-present transactions performed at e-commerce and mail order/telephone order (MOTO) merchants |
| ATM Withdrawal | Used for ATM cash withdrawals. |
| Brick and Mortar | Used for card present transactions. |
| Auto Pay | Used for recurring or installment payment transactions. |
| Contactless | Used for contactless purchases in a card present environment. |
| Merchant | VTC supports a number of merchant control catagories (see Customer Rules API MerchantControls child attributes. Enabling a merchant card control will trigger a VTC response whenever a purchase is made at a merchant with a corresponding MCC. |
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