Real-time can be a real problem for fraud and scams

Because instant payments settle in near real-time, recovering fraudulent transactions is nearly impossible—with the potential to negatively impact consumer confidence, adoption rates and revenue.

$ 1.03 T siphoned away by scammers globally in 2024¹

1/3 consumers surveyed have fallen victim to an authorized push payment (APP) scam²

15 % of APP scam victims leave their financial institution²

Fight A2A fraud and scams with AI and cross-network views from Visa

Account-to-account payments are proliferating with a growth forecast of 161% between 2024 and 2028.³ However, fraud risks are also multiplying, with fraud becoming faster and more difficult to intercept. Preventing fraud and authorized push payment (APP) scams demands a different approach, requiring both AI-powered real-time fraud detection and cross-network, multi-financial institution views.

Helps achieve a holistic view of fraud risk

Visa’s collaborative, network-level and multi-institutional approach helps provide a clearer view of risk for both originating and receiving parties and reveals connections to broader fraud schemes.

Take action with a simple-to-use score

Visa Protect Account-to-Account Payments is a real-time and simple-to-use score that draws from 30+ years of AI experience, leveraging insights from billions of transactions, thousands of FIs, and decades of network-level risk management expertise.

Helps deliver high-performance data and insights

Visa data helps enhance operational performance and detection levels, generate operational efficiencies and reduce losses and false positives.

CASE STUDY

Pay.UK is seeing tremendous success in detecting and preventing real-time fraud

Learn how Pay.UK detected 54% of total fraud and APP scam value beyond those identified by the bank’s systems, with a 40% false positive reduction by incorporating Visa data.⁴

See how Visa Protect for Account-to-Account Payments evaluates risks

Other Visa solutions to deliver cardholder satisfaction

The Visa Protect suite of solutions keeps digital payments moving and customers returning. See which set of solutions is best suited for your company.

Prevent scams and stop real-time fraud

See how with Visa Protect for Account-to-Account Payments.

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  1. Global Anti-Scam Alliance (GASA) 2024 Global State of Scams
  2. Visa, 2023. The Impact of APP Scams
  3. Juniper Research, April 2024. “Instant Payment Transactions to Surpass $58 Trillion Globally by 2028; Competing with Card Payments”
  4. Visa, 2024. Pay.UK fraud detection pilot achieves overwhelming success with help from Visa