Shield and secure: How to protect your revenue from fraud—without impacting your customer experience

In the balance between risk and revenue, you shouldn’t have to choose between protection and performance. 

Yet, most legacy fraud solutions can’t keep pace with the speed and complexity of today’s attacks. Some core challenges include: 

• Disjointed data creates blind spots, missed threats, and bad decisions across channels and payment types.
• Operational overload drains fraud teams of time and focus, while integration roadblocks make it harder to make the right decisions. 
• Manual approvals are often too slow to keep up with the sheer volume and sophistication of today’s fraud attempts; this can cause operational bottlenecks and unnecessary friction.
   

Ultimately, these challenges can lead to abandoned carts and lost revenue opportunities as legit customers get frustrated and leave, while increasing overall costs of fraud management. 

That’s the paradox of fraud prevention: overly strict rules can be more costly than the fraud itself. False declines—when you mistakenly reject a legitimate customer—are a major drain on profitability. Every time a good payment is rejected, a merchant loses revenue. Reducing false declines can drive significant revenue capture and help you keep more of the revenue you’ve earned. 

According to Datos Insights estimates,¹ the average eCommerce merchant has a false decline rate of 1.51% of annual sales. Globally, that amounts to lost sales of over US$201 billion in 2025, increasing to US$265 billion by 2027. 

An intelligent, automated decisioning system that uses AI and machine learning can instantly analyze vast amounts of data from every transaction. This helps you accurately distinguish loyal customers from fraudsters in real time, without manual work, so you can rapidly approve legitimate purchases while swiftly blocking suspicious activity.

Decision Manager uses AI and machine learning models, powered by real-time insights from over 322 billion annual transactions,² to score transaction risk with precision. This intelligence helps businesses detect and block emerging threats while reducing false declines, helping ensure legitimate customers are approved without delay. 

Continuously learning and adapting to new fraud patterns, Decision Manager helps merchants stay ahead of increasingly sophisticated attacks, delivering accurate, automated decisions that help protect revenue, preserve customer trust, and reduce operational strain.

Detecting fraud quickly with less manual effort is the key to shield revenue, preserve operational efficiency, and protect customer trust. 

With today’s dynamic and fast-moving fraud tactics, reactive strategies are no longer enough to protect your revenue and shield your reputation.

Fighting friendly fraud requires a shift to proactive, intelligent risk management that uses AI and machine learning to detect and resolve potential disputes early—before they escalate into costly chargebacks. 

With AI-enhanced insights, you can monitor transactions in real time to spot suspicious activity and emerging fraud patterns before they escalate. This approach empowers your team to intervene early, automate routine checks, and focus resources on the most complex cases.

In a world where every second counts, early detection and automated prevention tools are essential to staying ahead of fraudsters and accelerating revenue growth.

Predicting risks and acting early can also safeguard your reputation. This helps your business remain resilient and agile—even as fraud threats continue to evolve. 

Verifi’s post-purchase solutions provide real-time transaction alerts and automated resolution tools. By intercepting disputes at the source, you can prevent chargebacks before they happen, reduce operational costs, and preserve customer relationships. This proactive approach turns potential losses into saved revenue.

A major cause of checkout friction is the unnecessary authentication request. When fraud and payment systems operate in silos, there’s no unified view of the customer journey; this leads to disjointed experiences where legitimate customers are asked to jump through extra verification hoops—and potentially resulting in abandoned carts.

In a world where convenience drives repeat business, safeguarding customer trust means making every interaction feel both secure and effortless. 

Achieving this balance demands a holistic, unified fraud stack that brings together signals from every platform, channel, and touchpoint in your customer journey.

By integrating diverse data streams and leveraging insights from transactions, device intelligence, behavioral analytics, and payment history, you can gain a comprehensive, 360-degree view of your customers.

Such a unified approach both streamlines operations and helps minimizes unnecessary authentication requests that frustrate customers—while still stopping fraudsters in their tracks.

A unified view also allows you to make smarter, more consistent authentication decisions, quickly and accurately distinguishing between legitimate customers and bad actors. You can also reduce false positives and lower abandonment rates, which ultimately strengthens both your security posture and your brand reputation.

Payer Authentication uses the EMV® 3-D Secure standard to share rich data between you and financial institutions. This helps enable more accurate risk assessment in the background, reducing the need for disruptive authentication steps. The result is a smoother, faster checkout that builds customer confidence and reduces your liability for fraud.

Fraud never stops evolving—and neither should your protection.

With Visa’s intelligent, AI-native fraud management solutions, you can build the ideal fraud protection stack that's built for modern commerce and keeps you ahead of fraudsters with:

• AI-driven threat detection: Real-time artificial intelligence and machine learning spot and stop fraud before it impacts revenue. 
• Reduced losses and increased approvals: Proactive detection and fewer false positives mean more good transactions are approved.
• Operational efficiency: We help you manage fraud KPIs and rules, giving your teams more time to focus on growth.
• Holistic risk management: Get protection at every critical stage, from purchase to post-purchase, and tap into insights from more than 322 billion transactions⁵ and 4.8 billion credentials⁶ worldwide for smarter, faster decisions.
• Customer trust and retention: Fewer fraud incidents and better payment experiences to build stronger loyalty.
• Future-ready flexibility: Easily configure and scale solutions as threats and your business evolve.
  
   

With Visa’s advanced, AI-powered fraud tools working 24/7 in the background, you’re free to move faster, sell smarter, and grow with confidence. We handle the risk, so you can focus on winning what’s next. Schedule a consultation today.