Going
beyond
Why VAS?
Solutions
Stories
Partner with us
Empowering the future of commerce
Visa’s Value-Added Services help you navigate digital payments, growing your capabilities and opening new doors in finance.
$54B
Prevented in potential fraud worldwide
$907B
In global transactions processed in 2024
12B
Tokens Managed in 2024
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Beyond
Explore Solutions
In fraud prevented in 2023
Empowering the Future of Commerce
Visa’s Value-Added Services helps you navigate digital payments, growing your capabilities and opening new doors in finance.
$40B in fraud prevented in 2023
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Customer Stories
Visa Experts
Our services
VAS in practice
Overview
Who we serve
Customer success
Business outcomes
Business challenges
Helping you take small steps forward
At Visa, we're not just participants in the payment ecosystem – we're the architects of its future. Our Value-Added Services connect diverse players across the financial landscape, shaping the future of payments and open finance.
Data-enabled security you can trust
Innovation that keeps you ahead
Our expertise is your competitive edge
With our open, API-first architecture, you can quickly adapt to new opportunities and customer demands.
We power your progress in a rapidly changing market where speed and flexibility are paramount.
We transform global data into actionable insights, strengthening your customer relationships and driving growth.
Manage risks and reduce fraud
We power your progress in a rapidly changing market, where speed and flexibility are paramount.
Helping You Take Small Steps Forward
Partner with Us
Business Challenges
Innovation today demands faster cycle times
31%
of consumers leave their bank due to slow money movement
Bad actors develop new openings for fraud
$72.2B
estimated value of mobile ecommerce fraud by 2028
Competitors are diverse and innovating faster
53%
of people aged 18 to 34 prefer neo banks for new accounts
Creating a landscape of opportunity in digital
The business challenges
The digital revolution has transformed payments, making them more inclusive yet increasingly complex.
Navigating complexity and empowering growth
Visa’s Value-Added Services aren't just keeping pace with these changes – we’re driving them. We help you turn complexities into opportunities for growth and innovation, positioning your business at the forefront of the digital economy.
Source: Datos Retail Banking Payments Fintech
Source: Juniper research
Source: Go Banking Rates
Source: Datos Retail Banking_Payments Fintech
Datos Retail Banking_Payments Fintech
Source:
Juniper research
Your business outcomes
Our Value-Added Services are designed to deliver transformative results across your entire operation. By partnering with us, you'll unlock three powerful business outcomes:
Enhance your customer experience
Maximize business efficiency
Use our advanced AI and global insights to reduce fraud, protect your reputation, and secure your growth trajectory.
Create seamless, secure, and personalized experiences that keep your customers coming back for more.
Improve how your transactions work, increase revenue, and make your processes more efficient to support business growth.
Our services help your business thrive
Unlock your Potential in Digital Payments
X2
Increase in transaction volume in Europe between April and September 2021
9
Expansion of online shop to nine European countries
96%
Reduction in chargeback rates
98%
Increase in total order acceptance rates
43%
Increase in automatically accepted good orders
8%
Month-on-month growth
360,000
Riders per month used contactless payments within 11 months
Doubled transaction volume in Europe between April and September 2021
Expanded online shop to nine European countries
Reduced chargeback rates
Increased in total order acceptance rates
Riders per month using contactless payments within 11 months
We serve startups to industry leaders
Visa's Value-Added Services provide the tools, insights, and support you need to unlock your extraordinary potential in the digital economy. We architect global payments and banking technology solutions that help people, businesses, and economies thrive. Our expertise spans the entire spectrum of the financial world, serving:
We support traditional banks and emerging tech companies, helping them deliver seamless, secure financial services.
Financial institutions & fintechs
Large organizations trust us to optimize their payment systems, reduce risk and drive operational efficiency globally.
Corporates
We provide tools and insights that help smaller businesses compete and grow in the digital marketplace.
Small & medium businesses
We streamline transactions and offer technology needed for smooth, efficient payment processes.
Payment providers & software vendors
Business Outcomes
Your Business Outcomes
Creating a Landscape of Opportunity in Digital
We power growth across the entire payments journey
Who We Serve
We Serve Startups to Industry Leaders
Beyond Visa
Beyond Cards
Beyond Payments
Unlock your business potential with Visa
We know that today’s digital landscape demands more than just payment processing. Our Value-Added Services drive growth, innovation, and security. Here’s how our solutions can dramatically impact your business:
Optimize
Increase profitability
In a world where efficiency is key, we help you optimize every aspect of your payment ecosystem. Our solutions enable you to streamline processes, maximize revenue, and boost overall efficiency.
Evolve
Adapt faster
The only constant in today's market is change. Our global insights and local expertise empower you to embrace new opportunities swiftly and confidently.
Expand
Grow securely
Growth shouldn't come at the cost of security. With Visa, you can expand your business while protecting every transaction.
By partnering with Visa's Value-Added Services, you're not just keeping pace with the digital revolution – you're leading it.
Source for categories: VAS Narrative - Executive Intro North Star 7.19.24 (1) 2
Account Updater
Half of subscription cancellations are caused by failed card payments. Keep your service running smoothly and boost revenue by automatically updating expired or changed card details, reducing declines, and ensuring uninterrupted service for your customers.
Optimize transactions, maximize revenue, boost efficiency, and streamline processes – all while reducing risk and minimising costs.
Back to VAS in practice
Benefits
Enhance security
Enhance security to build trust and reduce risk.
Boost retention
Implement loyalty programmes to boost customer retention.
Integrated solutions
Streamline processes with integrated solutions to cut operational costs.
Key solutions
Gateway
Scale globally and tap into the $8-trillion ecommerce market projected by 2027. Meet rising demand with our modular payment products, offering secure and efficient processing through 250+ acquirers and processors across 160+ countries.
Flexible Credential
Consumers expect to choose their preferred payment method at checkout. With Flexible Credential, set rules for funding transactions – debit, credit, points, or pay-in-4 – using a single credential, delivering eligible cardholders a seamless digital payment experience.
Token Management Service
59% of consumers won’t return after a payment decline. Reduce checkout friction to deliver a secure, seamless shopping experience that boosts profitability, retains customers, and drives growth.
Advisory
Overcome the challenge of navigating and keeping up with shifting market trends. Optimize your payment strategy, enhance the customer experience, and drive growth with tailored advice to stay competitive in the evolving payments landscape.
Core banking (Pismo)
Plug-and-play solutions empower SMBs to quickly launch payment services, while a cloud-native payments and banking platform provides the agility to scale and evolve seamlessly. Build a top-tier digital bank in as little as 8 months.
Loyalty (Issuing)
Create and deliver targeted, personalized benefits that resonate with cardholders, meeting the expectations of consumers who want to be rewarded for their loyalty.
Capabilities
Seamless flexible payments
Offer seamless, flexible payment options to reduce friction and capture every sale opportunity.
Gain customer loyalty
Implement loyalty programmes that incentivize customers and encourage long-term engagement.
Gain actionable data
Leverage advanced analytics and reporting tools to gain actionable data for delivering personalized experiences.
Transform
Deliver a seamless, secure, and personalized experience to enhance customer satisfaction and loyalty. Leverage data to unlock valuable insights, enabling tailored programmes and flexible payment options.
Consumers expect to choose their preferred payment method at checkout. With Flexible Credential, set rules for funding transactions—debit, credit, points, or pay-in-4—using a single credential, delivering eligible cardholders a seamless digital payment experience.
Plug-and-play solutions empower SMBs to quickly launch payment services, while a cloud-native payments and banking platform provides the agility to scale and evolve seamlessly. Build a top-tier digital bank in as little as eight months.
Optimize transactions, maximize revenue, boost efficiency, and streamline processes—all while reducing risk and minimising costs.
Scale globally and tap into the $8 trillion e-commerce market projected by 2027. Meet rising demand with our modular payment products, offering secure and efficient processing through 250+ acquirers and processors across 160+ countries.
Half of subscription cancellations are caused by failed card payments. Keep your service running smoothly and boost revenue by automatically updating expired or changed card details, reducing declines and ensuring uninterrupted service for your customers.
Deep Authorization (VDA)
Enhance security without compromising the customer experience by applying deeper analysis to high-risk transactions while streamlining the authorisation process for low-risk ones.
FeatureSpace
Utilize real-time monitoring and AI-driven alerts to instantly detect and prevent fraudulent activities. With adaptive technology that evolves alongside emerging fraud patterns, you can stay ahead of threats and minimize losses effectively.
Visa Protect (DM & VRPI)
Optimize operations, account management, and issuing with scalable, secure solutions that cut costs and enhance customer experiences.
Streamline processes
Leverage resilient processing power, unique payment configurations, data-driven insights, and expert support to streamline complex payment processes.
Go global
Manage multi-currency payments and international transactions effortlessly.
Stay regulated
Navigate and adhere to complex global regulatory standards with ease.
Maximize legitimate transactions while minimising fraud. Enter new markets, verticals, and revenue streams with confidence, backed by global insights and local expertize. Rest easy knowing billions of transactions are securely protected.
Use data to automate and optimize decision-making processes within your organisation, reducing fraud, chargebacks, and fraud-related operational costs, while enhancing the customer experience.
Banking and Processing Infrastructure
Visa Deep Authorization (VDA)
A2A Protect
Identify and mitigate fraudulent activities in direct bank transfers with advanced machine learning and real-time behavioural analytics, ensuring both security and transaction integrity.
Solutions for every need
Banking and processing infrastructure
Streamline and scale operations, account management and issuing to reduce costs and enhance customer experience.
Loyalty
Personalize customer engagement, retention, and satisfaction through rewards and incentives initiatives - driving long-term relationships and increased card usage.
Digital enablement
Enhance the digital payment experience for consumers, merchants, and financial institutions with secure and convenient solutions.
Risk & identity solutions
Leverage advanced technologies, data analytics, and industry best practices to enhance the security of financial transactions and protect the customer.
Acceptance
Streamline technology stacks by powering a connected ecosystem through a single integration point, ensuring flexible and secure commerce solutions.
Post-purchase solutions
Facilitate transaction management, improve customer support, reduce fraud and handle dispute resolution for a smooth experience.
Advisory & intelligence solutions
Tap into a global network of payments experts, data scientists, and economists to help make better business decisions.
Deliver innovative, secure, and seamless digital payment experiences for consumers, merchants, and financial institutions.
Boost engagement and retention with personalized rewards, driving long-term loyalty and increased card usage through valuable benefits.
Marketing Services
Accelerate business outcomes through an end-to-end marketing partner dedicated to advancing your brand promise and delivering solutions across the customer lifecycle.
with Hector Rodriguez, SVP, Global transaction security solutions
with James Mirfin, SVP, Head of risk and identity solutions
Can good AI beat bad AI?
Learn from our experts directly
Visa experts
with Michele Herron, COO of Value-Added Services
Does composability matter?
with Mischa Lumiere VP, Head of NA product experience design and digital
How do we make instant payments more human?
with Rob Cameron, Global Head of Acceptance Solutions
Can we ever achieve seamless?
with Kathleen Pierce Gilmore SVP, global head of issuing solutions
Is there a conflict between legacy and innovation?
Does faster mean more risk?
Customer stories
Unlocking our clients' extraordinary potential
Bangkok metro
The Bangkok metro leveraged Visa's Value-Added Services to revolutionize urban mobility payments.
All
Financial institutions
Fintechs & digital partners
Public sector
Sonos partnered with Cybersource to enhance fraud prevention and deliver seamless payment experiences.
Sonos
Harley-Davidson expanded its online merchandise store across Europe with Cybersource's payment solutions.
Harley-Davidson
Deutsche bank offers world-class, seamless fraud protection for its online retail clients through the use of Cybersource’s Decision Manager.
Deutsche bank
Using Visa’s Pismo platform, BTG Pactual was able to build its digital bank in just eight months.
BTG Pactual
Using Visa’s advanced AI technologies, a Pay.UK pilot scheme was able to identify fraudulent transactions that had already passed through banks’ detection systems.
Pay.UK
Filter by
Deutsche Bank offers world-class, seamless fraud protection for its online retail clients through the use of Cybersource’s Decision Manager.
Deutsche Bank
Bangkok Metro
Unlock your potential in digital payments
Partnering with Visa's Value-Added Services gives you the power to navigate the complex world of digital payments and finance with confidence and creativity.
Shape the future of your business
Data-driven growth
Simple, scalable solutions
Partnering with Visa enables you to stay ahead of industry trends, capitalize on new opportunities, and position your business for long-term success.
Harness Visa’s unparalleled data insights and analytics to make smarter, faster decisions. Stay ahead of the curve by using actionable insights that help you respond to changing market conditions.
Our platform offers a simple way to enhance your capabilities without the need to build your own infrastructure. With one connection, you gain access to flexible, composable services that adapt to your business needs.
Somprasong Suttayamully
Director of Fare Media Department, Mass Rapid Transit Authority of Thailand
"Working with Visa Acceptance solutions enabled us to roll out the next generation of urban mobility payments in a way that's flexible, scalable, and secure.”
Improved passenger experience with modern infrastructure
Experienced 8% month-on-month growth
Achieved 360,000 riders per month using contactless payments within 11 months
Implemented tap-to-ride technology, an industry first
The Bangkok metro partnered with Visa's Value-Added Services to transform urban mobility payments, setting a new standard for public transportation. This collaboration showcases how Visa's innovative solutions can modernize infrastructure, enhance user experience, and drive significant growth in usage. By implementing industry-first tap-to-ride technology, the Bangkok metro not only improved passenger convenience but also strengthened its financial performance and operational efficiency.
Customer story
"Working with Visa Acceptance solutions enabled us to roll out the next generation of urban mobility payments in a way that's flexible, scalable, and secure. The solution meets riders' expectations while helping protect our reputation and revenues”
PhD, Director of Fare Media Department, Mass Rapid Transit Authority of Thailand
Implemented tap-to-ride technology – an industry first
Customer Story
Source: Value-Added Services Your growth partner in digital payments, Antony Cahill, July 2024
Source: visa.co.th
Achieved a 43% increase in automatically accepted good orders
Increased total order acceptance rates by 98%
Reduced chargeback rates by 96%
Implemented advanced machine learning for accurate customer identification
Sonos, a leading sound experience company, collaborated with Visa’s Cybersource to refine its fraud strategy and maintain a frictionless payment process for customers purchasing from its website. By leveraging new technology, data, and insights, Cybersource built a stronger fraud foundation for Sonos. This partnership resulted in more targeted rules based on past transaction data and the implementation of advanced machine learning, significantly improving order acceptance rates while reducing chargebacks and manual reviews.
Sonos, a leading sound experience company, collaborated with Cybersource to refine its fraud strategy and maintain a frictionless payment process for customers purchasing from their website. By leveraging new technology, data, and insights, Cybersource built a stronger fraud foundation for Sonos. This partnership resulted in more targeted rules based on past transaction data and the implementation of advanced machine learning, significantly improving order acceptance rates while reducing chargebacks and manual reviews.
Source: cybersource.com
Implemented multiple payment methods in new markets
Enhanced security with Token Management Service
Iconic motorcycle brand Harley-Davidson partnered with Visa’s Cybersource to expand its online merchandise store beyond North America into the European market. Cybersource enabled multiple payment methods via a payment gateway, ensured secure customer payment data through its Token Management Service, and provided a suite of fraud management solutions. This collaboration allowed Harley-Davidson to successfully launch its online shop in key European countries, including the UK, France, Germany, and Italy, significantly increasing transaction volume and bringing European customers closer to the brand they love.
Source: https://www.cybersource.com/en-us/solutions/product-catalog/manage-risk/case-study-1/index.html
German banking group Deutsche Bank collaborated with Visa to better help its online retail clients prevent fraud. With Cybersource’s automated fraud detection system, Decision Manager, merchants processing payments through Deutsche Bank are now able to calculate risk for every single transaction. The AI-powered system, which uses advanced risk models and global data intelligence from billions of data points from the Visa network, allows good transactions to be accelerated and suspected fraudulent transactions to be blocked. Fully integrated with Deutsche Bank’s payment gateway, Decision Manager delivers a seamless experience for the bank’s clients, while offering world-class risk and fraud management.
"With the solution from Visa Acceptance, we are offering merchants a whole new form of risk management. In this way, our clients receive even more service from a single source which ensures less complexity.”
Kilian Thalhammer
Head of Merchant Services, Deutsche Bank
Source: db.com
Source: https://www.cybersource.com/en-us/solutions/case-studies/harley-davidson.html
BTG Pactual, the largest investment bank in Latin America, launched a digital bank aimed at high-net-worth individuals in 2021. Using Pismo, the banking and payments tech solution acquired by Visa in 2024, BTG Pactual was able to develop and test a complete digital bank in only eight months. The Pismo platform, which comprises hundreds of microservices through APIs as well its core banking and card issuing capabilities, was able to connect with the bank’s existing risk and fraud management systems to speed up development while assuring high levels of security and reliability.
"BTG Pactual showed that it could provide sophisticated services in a digital bank and serve a more demanding audience. It has a highly competitive product, which evolves at startup speed but has the robustness of an established bank.”
Ricardo Josua
Co-founder and CEO, Pismo
Implemented tap-to-ride technology; – an industry first
3 awards won, including Best Customer Service by ABT
4.9 rating on App Store
4.6 rating on Google Play
$207M+ assets managed
Source: pismo.io
Source: https://www.db.com/news/detail/20220922-deutsche-bank-partners-with-visa-to-prevent-fraud-in-online-retail?language_id=1
Reference: https://www.db.com/news/detail/20220922-deutsche-bank-partners-with-visa-to-prevent-fraud-in-online-retail?language_id=1
Pay.UK, the retail payment systems operator, partnered with Visa in 2024 to analyse billions of historic transactions over a 12-month period, using advanced AI technologies to improve fraud detection and prevention. In a groundbreaking pilot, Visa identified 54% of fraudulent transactions that had already passed banks’ existing fraud detection systems. Visa’s new real-time fraud detection service, Visa Protect for A2A Payments, is able to generate a risk score indicating the likelihood of an account-to-account payment being part of fraudulent activity, helping banks intercept suspected scams and potentially saving £330m each year for UK consumers, businesses and the economy.
"In 2023, the UK saw 232,429 people falling victim to fraud. To reduce the scale of the crime that is happening we need a unified approach, and this future service will be a major step forward.”
Kate Frankish
Chief Business Development Officer and Anti-Fraud Lead, Pay.UK
£330m potential annual savings for UK industry
5:1 false positive ratio, compared with a target of 10%
54% of total fraud and APP scam value detected
Source: corporate.visa.com
Reference: https://www.pismo.io/blog/how-pismo-helped-btg-pactual-attain-a-fast-time-to-market/
