Visa Consumer Authentication Service

VCAS is a 3DS solution which helps issuers authenticate cardholders during transaction checkout.

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available for use by

Issuer Banks

Regional Availability

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  • N. America
  • Asia-Pacific
  • Europe
  • CEMEA
  • LAC

FEES & TERMS

Free to use in Sandbox. Contact Visa for fees in Production. Product terms included.

VCAS helps issuers benefit from reduced cart abandonment, seamless checkout experiences and increased authorization rates.

Visa Consumer Authentication Service (VCAS) is a data-driven 3-D Secure (3DS)-compliant consumer authentication solution for issuers and processors that is designed to support issuer authentication strategies. Visa developed VCAS with the goal of balancing security and convenience. By employing advanced risk-based authentication technology, VCAS assists issuers in authenticating cardholders during the checkout process. This ensures legitimate transactions are approved swiftly and seamlessly, while accurately identifying and mitigating potentially fraudulent transactions.

Key Features

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VCAS Features

  • EMV 3DS compliance
  • Machine learning
  • Real-Time, Risk-Based assessments
  • Seamless integrations
  • Rules engine
  • Enhanced data sharing via Intelligent Data Exchange (IDX)
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Product Benefits

  • Reduced cart abandonment
  • Reduced fraud
  • Seamless shopping experience
  • Enhanced data sharing
  • Increased authorization rates
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Reliability

Enabled by VisaNet's secure, trusted infrastructure with synchronized data centers, backup redundancy, and advanced data protection tools

APIs Included

Card Status API

Enable issuers to manage card status information associated with a specific issuer and card number/PAN.

Confirmed Marking API

Enable issuers to notify VCAS when a transaction status has been verified as Good, Fraud, or Undetermined.