-
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.
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.
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.

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.
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.

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
Frequently asked questions
Learn more about how Visa Protect for A2A Payments works in practice.
-
-
Visa is one of the world’s largest payments networks: a trusted household name with deep regulatory knowledge, a proven record of deploying and scaling AI solutions globally, and tens of thousands of clients and partners.
Utilising its unparalleled global data network and unique multi-rail capabilities, Visa Protect for A2A Payments overlays account-to-account data with Visa’s card and network-level intelligence. The result? Leading fraud detection accuracy and insights.
-
-
Visa has led the way in using AI to enhance its services and provide secure, seamless transactions for customers. Our data and AI capabilities are specifically designed to reduce friction, while still maintaining advanced fraud detection. Our ability to overlay card data has also shown to dramatically reduce false positives—making for a smoother experience for your customers.
-
-
Visa has endeavoured to make integration as straightforward as possible. Visa Protect for A2A Payments can integrate seamlessly with your current fraud prevention setup and can work across various real-time payment channels, including digital wallets and mobile banking. Implementation through just a single API connection which offers you the freedom to build custom UXs and integrate into various systems. Faster, smarter protection.
-
-
By helping automate fraud detection, reducing false positives, and minimising manual reviews, Visa Protect for A2A Payments can help cut operational costs and boost efficiency. More accuracy means less waste and more time for your team to focus on growth in other areas of your business.
-
-
You’ll receive a risk score, ranked from 1–99, indicating the likelihood of a transaction being fraudulent. You’ll also receive reason codes explaining why a score was given, as well as other risk indicators that provide additional information and data points to assist in decisioning and analysis.
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.

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.

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