Visa USA Visa Everywhere Security

Ever wondered how your bank knew to call you when a thief attempted to buy a flat-screen TV on your Visa credit card? Or why your mobile banking app sent you an alert after a series of unusual transactions occurred on your Visa account at a gas station hundreds of miles from your home? Whether you insert, swipe, touch, click, or wave to make a payment, our predictive analytics, known as Visa Advanced Authorization, are monitoring in real-time for suspicious activity. Since it was launched just over a decade ago, Visa Advanced Authorization has grown increasingly effective at spotting the tiny percentage of suspicious transactions from the roughly 150 million payments that flow through the Visa network each day. In fact, Visa's system-wide fraud rate has declined by two-thirds over the last two decades--to less than 6 cents out of every 100 transacted--even as transaction volume has increased by more than 1,000 percent.