Risk Decisioning

All card transactions are evaluated to detect the likelihood of fraud during the authorization process. Visa provides a Visa Advanced Authorization score for each transaction based on the combination of global Visa data and cardholder historical data to help detect possible fraud. This powerful scoring utilizes a Visa AI platform that is based on machine learning and cloud-based risk models to improve its scoring effectiveness over time.

Along with the VAA score the transaction can be routed through 3rd-party risk engines to check the transaction against fraud mitigation rules that help capture transactions associated with learned fraud trends. Fraud rules can be added to combat current fraud trends and expired once the trends pass.

The risk-decisioning process results in a determination that the transaction should be approved and continue through the authorization process, or if the transaction should be flagged as suspected fraud. The following tag will be applied to a transaction flagged as suspected fraud with a corresponding action:

Risk Level	Action
Pass	Transaction is approved.
Low-Risk	A transaction with this score is approved, but a fraud case is created to validate the transaction.
Medium-Risk	A transaction with this score is declined and a fraud case is created to validate the transaction.
High-Risk	A transaction with this score is declined and the card is immediately blocked with the status being changed to Suspected Fraud. A fraud case is created to validate the transaction.