What differentiates Decision Manager?


Let machine learning discover new strategies

Rules Suggestion Engine applies Decision Manager's advanced machine learning models to your historical transaction data to spot unique patterns and recommend new strategies.


Perform a "what if?" analysis

With Decision Manager Replay, you can test the effect of fraud strategies against your historical transaction data in minutes—helping you gauge how things would play out in the real world.


Automatically recognise good, bad, and new transactions

Our Identity Behavior Analysis feature recognises identity usage behaviours to help increase your accept rates, lower your review rates, and boost your bottom line.

Experience and big data can get it done

Decision Manager is a Visa-owned fraud solution, fully integrated with all of its systems, data and analytics—plus 20+ years of experience and insights:

Insights from more than

68 billion


The global reach and advanced capabilities of the Visa ecosystem



Average transaction screening times of less than


1.3 billion

transactions screened in 2019

Data insights

Use data insights to protect your business and improve customer experiences

Uncover risky or bogus transactions
Apply the industry's most advanced AI
Make better payment decisions based on your priorities
Gain the insights you need to understand your customers

Get bigger insights with Decision Manager

Decision Manager provides the flexibility, precision, insights and expertise you need to find the perfect balance—combined with the confidence that comes from partnering with a trusted global leader with a proven track record of success.

More good payments = more revenue 

Deep expertise + data-driven insights = more good payments and fewer fraudulent transactions
False positives weaken customer loyalty and hurt your business. Decision Manager keeps fraud low, satisfaction high, and revenue flowing as your business grows and evolves

What’s included with Decision Manager

Data-rich machine learning 

Automatically assesses risk built on advanced modelling

Customised solutions

Flexible strategies based on your business needs

Integrated dashboard 

Tools to quickly review suspicious transactions


Managed risk services

Consult our fraud management experts

Complement your in-house skills and resources with our Managed Risk Services team. Our global analysts can help you design, implement, and maintain a fraud strategy that’s customised for your business. Available in five continents, with decades of experience.

Outsource your manual review

Get expert help increasing your acceptance rates, fulfilling shipments, and mitigating fraud with our Managed Risk Services team. Completely outsource your review process to our team, or augment your team's efforts with overflow, after-hours and peak season support available 24/7, 365 days a year.

Five reasons to use Decision Manager pre-authorisation rules

With Decision Manager, you can run rules before authorisation to help reduce costs, capture revenue, and over time, help improve authorisation rates by filtering out risky transactions


Learn about pre-authorisation rules

  1. Save on authorisation fees: The pre-authorisation rejection rule can determine if the transaction is fraudulent and reject it, so you can avoid issuer authorisation fees.
  2. Improve customer satisfaction: Avoid placing an unnecessary hold on a customer’s payment card.
  3. Control authentication: You decide whether payer authentication is needed to continue to the authorisation.
  4. PSD2 SCA exemptions: Check if exemptions are applicable and set business rules accordingly.
  5. Increase authorisation rates: The pre-authorisation process will run machine learning models and merchant rules to help instill a higher degree of confidence in issuers and help lead to increased authorisation rates.

How Decision Manager works 

Decision Manager’s machine learning capabilities combine automated strategy suggestions with a “what if” testing environment. You can optimise your fraud strategy, then roll it out once you’ve defined the best approach for your business.

How it works

How Decision Manager works
How Decision Manager works

Industry research

2019 Global eCommerce Fraud Management Report

Successful fraud management is a balancing act. How can you improve order acceptance, while reducing fraud? Get the report to see how fraud managers around the globe are achieving this—and how you can, too.

Fraud strategy has a new role: Enabler of innovation

Learn how advanced fraud strategies are opening the door to secure innovation, payment fraud management, and expansion for today’s eCommerce businesses.

Working with issuers to improve authorisation rates


In a competitive environment, consumers whose transactions are declined are likely just one click away from switching to a competing business—not just for that transaction, but also for any future orders. Learn how we can help your business increase issuer authorisation rates, improve customer satisfaction, and recover lost revenue.

1Intelligence from the more than 68billion transactions processed worldwide by Visa and Cybersource.
2Represents the number of payments processed through Decision Manager (DM) in 2019. Normalized for USD.

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Tokenise your customers’ payment credentials

Keep payment data off your system and streamline token management.

Already a Cybersource customer?

Make a good thing even better by adding Decision Manager to your Cybersource payment platform.

You can say yes to more payments from genuine customers, while offering a seamless path to purchase and boosting operational efficiency.