Visa DPS offers robust and flexible authorization processing for not only Visa and ATM card products, but other payment products across brands. Our authorization solutions are highly customizable, offering real-time and stand-in support that enable you to provide fast, reliable transaction authorization wherever your cardholders choose to conduct business—at the ATM or point of sale, over the Internet, or via telephone.
With proven and tested reliability, integrated security features, and the advantages of single-point access, Visa DPS authorization processing is a smart solution that can help you control costs and improve service.
Your financial institution's card record file at Visa DPS resides on the Authorization Processor (AP) system. AP can perform the entire authorization function or selected portions of the process in cooperation with your host system. And, because the Visa DPS authorization system is flexible, you may customize support to meet your specific business requirements.
Visa DPS routes all transactions to your host system. If your host system is unavailable, Visa can stand in and authorize transactions using limits and other criteria defined by you.
Working jointly with your host system, Visa DPS can pre-screen all or selected transactions based on limits or other criteria, including account balances, you establish. Transactions that pass pre-screening checks are then routed to your host system for final authorization. Visa can also perform full stand-in authorization or authorize transactions below a floor limit you specify.
Visa DPS makes all authorization decisions using client-defined parameters, such as activity limits and account balances, without requiring a full-time online link to your host system. Visa creates and sends a batch-posting file to your host system at the end of each settlement day.
Visa DPS also supports a turnkey prepaid solution. Visa routes your prepaid transaction to the Visa prepaid processing host system, which authorizes transactions and deducts the amount from the card balance. Similar to the Stand-Alone Authorization option, the prepaid host stores and maintains all authorization decisions based on your specifications.
Visa offers a full-featured authorization processing solution, including:
Visa DPS makes authorization decisions on behalf of your financial institution using one of the following file types:
Risk edits and authorization processing options help reduce your fraud exposure. Edit checks may be set at the financial institution, card group, or individual cardholder level. You may set limits separately for cash and POS activity, and timeframes may be set for single-day or multiple-day periods. Authorization edit checks include, but are not limited to:
For even greater card program protection and reduced fraud, these programs validate additional data in the authorization message:
Visa Advanced Authorization is a risk evaluation system that provides real-time risk information in the authorization message for VisaNet-processed authorizations initiated with U.S.-issued Visa cards. Risk information is provided in the form of:
Once you receive Visa Advanced Authorization's risk information, you are empowered to take appropriate action based on your authorization risk strategies and parameters and/or send the risk information into your current risk management systems such as the Falcon Fraud Manager.
Flexible card file maintenance options enable you to automatically synchronize card information on your host system with Visa—helping to reduce fraud losses and streamline back-office operations. Select one or more of the following maintenance options that work best for your financial institution:
Your financial institution's single–point connection to Visa DPS enables you to consolidate all of your card–based authorization processing on an integrated platform—reducing telecommunications costs, eliminating redundant functionality, and streamlining back–office procedures. And you’ll get an enhanced authorization decision–making process with information supplied by Visa Advanced Authorization and other authorization parameters—adding security and increased confidence to each Visa payment card authorization.
You choose the level of support that best meets your business requirements—from using Visa to provide full authorization or selected portions of the process in cooperation with your financial institution's host system. And, the parameters that you define control all transaction processing, providing flexibility to meet your specific business requirements.
With Visa DPS, you can rely on strong up-time performance to serve your cardholders wherever and whenever they transact business—enhancing your approved transaction rate and cardholder satisfaction.
Design customized anti—fraud strategies to successfully detect and stop potentially fraudulent activity using FICO Fraud Manager. This neural network platform performs sophisticated fraud scoring to capture relationships and patterns often missed by traditional fraud detection methods.
Contact us to draw on our more than 18 years of high-volume processing.
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