Samantha lives in San Francisco, and will be traveling to New Zealand and Australia soon for vacation. Samantha wants to notify her issuer of her travel plans to help ensure she is not falsely declined when making purchase transactions abroad. She logs into her issuer’s mobile banking app and navigates to the travel notice section. Samantha selects the cards she plans to use on her trip, inputs the dates and destinations of her travel, and submits the itinerary details to her issuer. Samantha’s issuer shares the travel details with Visa so the travel itinerary can be stored for reference while she is in New Zealand and Australia.
Samantha lands in New Zealand on the first day of her trip and uses one of her Visa cards to make a purchase. Visa receives the authorization request from the merchant, matches the location of the merchant to one of the destinations on her stored itinerary, and sends the issuer a confirmation match in the authorization message in real-time. Her issuer sees that this purchase is outside of Samantha’s typical location, but uses this travel information in real-time to have more confidence authorizing the purchase.