Visa Launches a Trio of Solutions to Bring Enhanced Security and Convenience to Card Payments

Credit card fraud is a growing problem in the U.S. A report last month from the Federal Trade Commission reveals that consumers lost more than $12.5 billion to fraud of any type in 2024. And credit card fraud was the most widely reported type of payment fraud for the year. 2024’s overall fraud losses outpaced 2023’s by 25%.

Visa, one of the most powerful payment networks in the world, is doing its part to combat fraud in 2025. In March, the company unveiled its Scam Disruption Practice, which focuses on stopping emerging scams. The unit has already saved victims $350 million. 

Visa is bolstering its fraud-fighting capabilities — and making payment acceptance more convenient — through three enhanced products: the ARIC Risk Hub, a reimagined Authorize.Net, and a solution known as Unified Checkout. 

The solutions aim to “help businesses achieve their full potential by freeing up resources to focus on other business priorities,” Visa said in a press release announcing the new services.

“Accepting a payment is a fundamental need of any business,” Antony Cahill, Visa’s President of Value-Added Services, said. “Leveraging new technology to accept payments more efficiently and securely can be what sets a business apart in today’s rapidly digitalizing world. 

“With our new services, we’re helping businesses harness data-driven insights, simplify the checkout experience, and fight fraud more effectively than ever,” Cahill continued.

The latest Visa solutions complement the company’s suite of value-added services, which number more than 200 and span four areas: acceptance, advisory, issuing, and risk and identity. The three new products from Visa each address different concerns in the credit card and payments arenas:

The ARIC Risk Hub is a platform that helps fight fraud and protect acquirers and merchants against financial crime. Designed for use by financial institutions, the ARIC Risk Hub employs advanced machine learning to profile customer actions and analyze scam behavior. 

Available globally, the tool uses artificial intelligence to identify risky transactions and “stop bad actors in real time.”

The reimagined Authorize.net will be available in the U.S. later in 2025’s second quarter. Upgrades to the tool include a customizable dashboard, solutions to help reduce and prevent chargeback fees, and fraud detection that uses years of learned criteria to identify suspicious transactions.

Unified Checkout allows merchants to integrate systems and channels to provide their customers with personalized payments experiences. The tool will be available in the U.S. starting in the third quarter of 2025. Unified Checkout manages more than 25 alternative payment and card options to allow merchants to offer an intuitive checkout experience.

“At Visa, we talk a lot about unleashing the creativity of commerce – in other words, how do we support retailers, marketplaces and shops to launch new products, enter emerging markets, and grow,” Rob Cameron, Visa’s Global Head of Acceptance Solutions, said via press release. 

“These new services were built with exactly that in mind: they’re designed to make life easier for businesses, freeing them up to do what they do best,” Cameron concluded.