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Visa Fraud Monitoring Programs

Visa Fraud Monitoring Programs

Visa Secure Excessive Fraud ProgramAnchorIcon

Visa has identified an account's threshold to be flagged in the Visa Secure Excessive Fraud Program. Visa uses your fraud amount and ratio to determine if your account meets these thresholds.

The formula for calculating your Visa Secure Excessive Fraud Program fraud ratio is the amount (USD) of fraud reported on 3D Secure transactions in a given month divided by the amount of sales processed through 3DS in the same month (example: June 3DS fraud amount / June 3DS sales amount.)

ThresholdsAnchorIcon

If your merchant account meets the non-compliance thresholds, you could be flagged with one of the following: Early Warning or Standard.

Both fraud amount and fraud ratio must be met in order to be flagged in one of these thresholds:

3DS Fraud Amount

3DS Fraud Ratio

Early Warning*

$50,000 USD

0.65%

Standard

$75,000 USD

0.90%

* The Early Warning threshold is not a violation and is not associated with any fine assessments. It is merely an alert that your merchant account is getting close to the violation, which starts at the Standard threshold.

FinesAnchorIcon

The fine assessments for the Visa Secure Excessive Fraud Program are:

Standard

Month 1 - 12

Enforcement: No fines + Merchant loses liability shift protections until they exit the program

Remediation planAnchorIcon

If you have been identified in either Fraud Monitoring Program, a remediation plan may be requested by Visa. A remediation plan aims to show Visa what actions you are taking to remedy the situation and regain compliance. Information is also reviewed and considered when the card brand issues fine assessments.

The main details you should provide for your remediation plan include, but are not limited to:

  • Business description
  • Events leading to the increased fraud
  • Actions taken to reduce fraud, including implementation dates
  • Description of all fraud tools currently enabled

How to exit these programsAnchorIcon

To exit each of Visa's programs, your merchant account must be below the Standard threshold for 3 consecutive months. After your merchant account has fully exited the program, any subsequent flaggings would start over at Month 1 of that program.

If you have any questions regarding these programs, check out our FAQ or Contact us.