Decision Manager
Overview
Decision Manager goes beyond traditional fraud tools, helping give you the confidence to grow and innovate. With cutting-edge AI and deep network intelligence, you can help protect your revenue, build customer trust and stay ahead of emerging risks - all with one powerful solution.
Sovereignty
The need to own their customer data and payment tokens independently of any single acquirer or gateway.
Agility
The demand to build, test, and deploy sophisticated payment rules - like split-routing or multi-factor risk checks - at the speed of a software release, not a hardware overhaul.
Product Features
Advance Fraud Screen (AFS)
Generates a single risk score from 0 (very low risk) to 99 (very high risk) by analyzing hundreds of data points against billions of worldwide network transactions.
Decision Manager Replay
Allows risk teams to safely run, back-test, and refine up to 4 different fraud strategies (Tests A through D) against historical transaction sessions before activating the best option live.
Identity Behavior Analysis (IBA)
Uses real-time cross-merchant data patterns to detect dynamic fraud vectors - like tracking "Identity Morphing" - while instantly recognizing trusted repeat or genuine buyers.
Device Behavior Attributes
Evaluates behavioral cues via device sensors to flag anomalies like disabled keyboards, automated script/bot activity, or card data breaches where numbers are copied and pasted.
AI-Powered Risk Scoring
Machine learning models trained on 141B+ VisaNet transactions automatically score every transaction in under 600ms.
Product Description
Visa Decision Manager serves as your central risk intelligence layer, fusing massive global network visibility, custom rules architecture, and trusted third-party verification networks into a battle-tested decision engine. Whether deployed as a native platform instance, a portfolio-level toolkit, or an API-driven data enrichment feed, it frees your enterprise from standard constraints and matches security with optimal customer convenience.
Massive Global Network Visibility
Fuel your risk models on day one with unparalleled insights pooled from 296.8 billion total annual Visa network transactions, 3.2 billion screened DM transactions, and 28 billion unique digital identifiers.
Limitless Rule & List Customization
Dictate precise risk policies using over 260 flexible validation parameters, up to 100 default custom data fields, and up to 200 merchant-defined blacklists or VIP client lists.
Integrated Third-Party Data Partners
Incorporate top-tier external profiling out-of-the-box, featuring device fingerprinting and behavioral biometrics from industry leaders like ThreatMetrix, Ekata, NeuroID, Emailage, and Neustar.
Market-Leading Performance Metrics
Deliver verified enterprise value to your bottom line, averaging a 2.9% uplift in transaction authorization rates, a 32% decrease in overall fraud rates, and a 99.9% customer retention rate.