Visa Commercial Fraud Solutions

End‑to‑End Protection That Strengthens Decisions and Drives Better Outcomes

Visa Commercial Fraud Solutions addresses various client needs across the commercial payments ecosystem. These solutions connect authentication, authorization intelligence, supplier integrity, and spend governance into a cohesive experience supporting large enterprise, middle-market companies, and small businesses. By aligning network-level intelligence, AI driven insights, configurable controls, and operational tools across the payment lifecycle, Visa helps issuers address evolving digital fraud risks while supporting secure, efficient commercial payment experiences.

Issuers and their clients benefit from:

A more connected commercial payment risk management experience. Brings fraud and risk capabilities together across authentication, authorization, supplier integrity, and post‑transaction operations, reducing fragmentation across tools and workflows
Greater confidence in digital commercial payments. Helps issuers address evolving digital and automated fraud risks across card‑not‑present, virtual card, and commercial payment use cases
Improved visibility and control across spend. Supports improved oversight of supplier activity, spend governance, and policy compliance, helping issuers and their clients better manage complex commercial payment programs.
More efficient fraud and risk operations. Connects fraud, dispute, and compliance processes to help reduce operational complexity and support faster, more consistent risk management across the payment lifecycle.
A modular approach that adapts as needs evolve. Allows issuers to deploy individual capabilities or layer solutions over time, supporting different client segments, payment types, and stages of commercial program maturity.

Visa Commercial Fraud Solutions consists of three API bundles that provide comprehensive fraud prevention solutions for commercial card accounts. virtual cards. They are:

Visa Commercial Payment Controls - Lets clients set controls on commercial card accounts B2B card portfolios to protect commercial payments and limit spending at the card level. Clients register existing card accounts and then apply dynamic, near real-time rules (for example: spending, merchant category, location, channel, and business hours), so authorization decisions align to business use cases.

Visa Commercial Supplier Validation - Enables issuers to restrict virtualCommercial card usage to specific, validated suppliers through a robust database that maps buyers' intended suppliers to Visa's network data.

Visa Commercial Virtual Authentication - a 3DS authentication solution enabling Third Parties to securely verify the identity of commercial virtual card users. Enables step-up 3DS authentication for commercial card transactions, acting as the orchestrator between ACS, Issuers and Third Parties (i.e. Fintechs) to validate the identity of the commercial cardholders.

Key Features

Provide 3DS authentication to reduce e-commerce fraud

Identify trusted buyer/supplier relationships

Provide businesses with opportunity to set precise controls

Why Use It?

Emerging patterns are reshaping how businesses must manage payments, identity, and security across cards, virtual cards, and accounts payable.The evolution in B2B payments affects a range of participants within the commercial landscape.

Financial institutions: Financial Institutions (FIs) support organizations of all sizes to pay and be paid and manage their capital. As expectations rise for faster, more secure B2B transactions, FIs must deliver modern, digital‑first payment experiences that mirror the convenience of consumer commerce while meeting the complexity of commercial operations.
Software Vendors and ERPs: Software vendors and ERP platforms are driving the digitization of accounts payable and receivable, reshaping how businesses initiate, authorize, and reconcile payments. By embedding payments and smarter risk controls directly into workflows, they play a crucial role in the evolving B2B ecosystem.
Buyers and suppliers: The shift toward digital B2B payments is accelerating the need for buyers and suppliers to modernize their processes and adopt secure, automated solutions. With enhanced visibility and control, both sides can reduce friction, improve operational efficiency, and strengthen the overall payment experience.

Visa Commercial Virtual Authentication

Smarter Authentication: Use risk-based cardholder authentication during digital spending to verify transactions while maintaining seamless payment flows.
Enhanced Fraud Protection: Help prevent unapproved use and reduce fraud and disputes by strengthening authentication, without changing how transactions are approved.
Operational Efficiency: Real‑time cardholder authentication at the point of transaction, minimizing manual review and operational friction
Stay in Control: Authenticate card‑not‑present commercial transactions in real time by verifying the cardholder at the point of transaction, without impacting payment approval or slowing checkout.

Visa Commercial Supplier Validation

Improved Trust: Higher authorization accuracy and reduced unintended approvals strengthen client confidence
Enhanced Fraud Protection: Restrict Virtual Card usage to validated suppliers, screening out unauthorized acceptance points
Operational Efficiency: Automation reduces manual supplier checks during authorization.
Strategic Differentiation: Strengthens the Issuer’s B2B competitive positioning, especially in automated and travel use cases.

Visa Commercial Payment Controls

Smarter Controls: Authorization‑level rules applied on the Visa network to control spend by amount, merchant, location, time, and more.
Enhanced Fraud Protection: Prevents unauthorized and unintended payments by enforcing controls at authorization.
Operational Efficiency: Automates policy enforcement and reduces manual review with clear visibility into approved and declined transactions.
Stay in Control: Manage controls across virtual and physical cards, supporting scale without added complexities

APIs Included

Account Management Service

The Account Management Service is used to create accounts within the ranges specified during the onboarding of an Issuer or a Commercial Client. This service also allows users to add payment controls, manage account contacts, update company information, delete accounts, and access account details from the system.

Rules Management Service

The Rules Management Service enables users to establish dynamic controls on the Visa network in near-real time for individual cards. This service also allows users to disable, enable, or remove controls that are no longer required, and access control details to view a user's current rule configuration at the card level.

Reporting Management Service

The Reporting Management Service allows users to retrieve both transaction and notification details for a card.

Notification Service

The Notification Service lets issuers, fintechs, or users choose how they receive optional alerts—by email or SMS—when VPC blocks or approves a transaction authorization request. These notifications are delivered to the contacts specified when the card account is created via the Account Management Service.

Intelligent Payment Controls Service (Gen AI)

The Intelligent Payment Controls System evaluates user prompts to recommend suitable controls for payment Transactions. Users have the option to review, adjust, and approve these suggested controls to implement them. This AI-powered system provides recommendations and establishes appropriate controls based on the business use case specified by the user. It offers a collection of APIs for submitting prompts, receiving recommendations, and implementing the suggested controls.

Supplier Validation

The Supplier Validation solution allows clients to efficiently identify and trust suppliers. Clients may search for and retrieve trusted supplier information, including Acquirer ID and CAID, which can then be used to establish or update payment controls through existing B2B Payment Controls APIs or B2B Payables APIs. This solution supports fraud mitigation in virtual commercial transactions by ensuring that payments are authorized exclusively for verified, trusted suppliers.

Commercial 3DS Authentication

The Commercial 3DS Authentication solution provides a comprehensive suite of endpoints to manage the 3-D Secure (3DS) step-up authentication workflow for commercial virtual cards.

Regional Availability

The following table lists the regional availability for Visa B2B Payment Controls. To view availability of all products, refer to the Regional Availability.

North America	Asia-Pacific	Europe	CEMEA	LAC	Notes

Available in entire region
Not available
See notes for available countries

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