• Improve A2A fraud detection by 54%+¹

    Visa Protect for Account-to-Account Payments: AI-powered, real-time risk scoring for fraud detection that combines card payment network and A2A data.

    Marquee image Marquee image

Real-time payments fraud is on the rise

In 2023, £600m was lost to APP scams and fraud in the UK². With institutions now facing greater responsibility for reimbursing victims, the need for advanced risk detection and prevention has never been higher.

1in3

1 in 3 consumers have fallen victim
to an APP scam³

£ 1977

£1,977 was lost on average per
APP scam in 2023⁴

£ 600 m

£600m was lost to APP scams and fraud in 2023²


See how Visa Protect for A2A Payments works to improve fraud detection

Discover how Visa Protect for A2A Payments can combine advanced artificial intelligence and multi-rail transaction data to help safeguard your customers and protect your organisation.

Thumbnail for video

4 key benefits of Visa Protect for A2A Payments

Visa Protect for A2A Payments helps prevent real-time payment fraud and scams—backed by Visa’s expertise in delivering consumer protection and network resilience through use of AI.

MFI icon

Multi-financial institutions

Advanced artificial intelligence applied to data from multiple financial institutions can provide a bird’s-eye view of risk across an RTP network.

Telescope

Multi-rail intelligence

Cross-referencing multi-financial institution data with Visa’s network and card data enhances performance and provides a holistic view of behaviour across payment rails.

Mask icon

Robust AI-powered security

Real-time risk scoring helps prevent fraud and APP scam transactions before authorisation, delivered by an organisation that’s been at the forefront of using AI to prevent payment fraud.

Map icon

Scalable as
required

Visa Protect for A2A Payments is part of Visa Protect – a solution suite that can offer customisable capabilities tailored to your network, requirements, and risk strategy across multiple payment channels.


Simple, seamless integration ready to plug into your systems

Visa Protect for A2A Payments uses Visa’s vast transaction data and AI-driven risk scoring to help Financial Institutions prevent fraud and reduce customer friction. It can integrate seamlessly with existing systems to add an enhanced, scalable layer of protection against scams and unauthorised transactions.

Pay UK logo

UK Pilot: 54%+ improvement in fraud detection¹

Visa was chosen by Pay.UK as one of three partners to test a new fraud prevention service for UK financial institutions. Using AI and machine learning, Visa analysed billions of transactions—covering over 50% of annual UK account-to-account payments. While the partners in the pilot achieved an average 40% improvement in fraud detection, Visa exceeded this figure, identifying 54% of fraudulent transactions that had already passed through sophisticated bank and PSP fraud detection systems.¹

“The positive results from this pilot demonstrate the importance of innovation and cross-industry collaboration in developing effective solutions to stay ahead of fraudsters and protect people in the ever-changing payments landscape.”

Aneet Image
Aneet Morar, Chief Product Officer (Interim), Pay.UK

Frequently asked questions

Learn more about how Visa Protect for A2A Payments works in practice.

Ready to level up your fraud protection?

Book a 45-minute demo session, where we'll delve into your business requirements and walk you through how Visa Protect for A2A Payments can help you improve fraud detection and enhance your customers’ experience.

Fraud insights and related solutions

Whitepaper: The impact of APP scams

APP scams are a growing threat on RTP networks— impacting both consumers and banks. See how Visa’s multi-network view can deliver actionable advice.

Get the whitepaper

Woman frowning at mobile

Prevent fraud across the entire payment journey

Visa Protect for A2A Payments helps prevent fraud across all payment endpoints and networks—without stopping the flow of business.

Learn about Visa Protect for A2A Payments

Man laughing in conversation

Minimise fraud and enhance security

Our suite of risk-focused offerings support issuers in monitoring, managing and countering risks – wherever they're found.

Learn about Visa Risk Essentials

1. Visa Pay.UK case study. Improvement over A2A fraud detection without Visa Protect A2A solution. More details available at: https://corporate.visa.com/content/dam/VCOM/corporate/products/documents/visa-protect-for-a2a-payments-pay.uk-case-study.pdf

2. According to data from the UK Finance Annual Fraud Report 2024: https://www.ukfinance.org.uk/policy-and-guidance/reports-and-publications/annual-fraud-report-2024

3. Mintel Research commissioned by Visa Europe, conducted among UK Internet users aged 18 and above, between 28 April 2023 and 12 May 2023

4. £1,977 was lost on average per APP scam in 2023. Derived from UK Finance Annual Fraud Report 2024, https://www.ukfinance.org.uk/policy-and-guidance/reports-and-publications/annual-fraud-report-2024#:~:text=The%20sums%20of%20money%20stolen,billion%20and%202.97%20million%20respectively