Visa Secure (formerly Verified by Visa)

Visa Secure

Issuer Cardholder Authentication Service (ICAS)

With online fraud and identity theft on the rise, your cardholders need extra protection when making purchases online. Visa Secure (formerly Verified by Visa) adds an extra layer of security with a special password to confirm the identity of cardholders during online transactions.


Helping issuers and merchants distinguish good transactions from bad will mitigate fraud, while allowing transactions to continue to happen at lightning speed. 3-D Secure 2.0 is an important advancement in this effort that will help prevent fraud and accelerate digital commerce with fast, secure authentication.


3-D Secure has been around for years and creates an authentication data connection between digital merchants, payment networks and financial institutions to be able to analyze and share more intelligence about transactions. The new 2.0 version of the technology enables a real-time, secure, information-sharing pipeline that merchants can use to send an unprecedented number of transaction attributes that the issuer can use to authenticate customers more accurately without asking for a static password or slowing down commerce.


MAP supports 3-D Secure (3DS) authentication in the Card Not Present (CNP) environment with Issuer Cardholder Authentication Service (ICAS.) ICAS utilizes a Risk Based Authentication (RBA) approach and replaces the original Verified by Visa (VbV) static password-based product. ICAS supports the current 3DS 1.0.2 and the new 3DS 2.0 which will provide many more additional data elements to support the authentication processes.