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.

How Decision Manager can help you

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

Five reasons to use Decision Manager pre-authorization rules


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

Learn about pre-authorization rules

  1. Save on authorization fees: The pre-authorization rejection rule can determine if the transaction is fraudulent and reject it, so you can avoid issuer authorization 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 authorization.
  4. PSD2 SCA exemptions: Check if exemptions are applicable and set business rules accordingly.
  5. Increase authorization rates: The pre-authorization process will run machine learning models and merchant rules to help instill a higher degree of confidence in issuers and help lead to increased authorization rates.

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:

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 modeling

Customized solutions

Flexible strategies based on your business needs

Integrated dashboard 

Tools to quickly review suspicious transactions

How it works

How Decision Manager works

Managed risk services

Managing payment risk can be a complex balancing act for e-commerce business. But you don’t have to do it alone. Expand and enhance your in-house fraud capabilities by adding experienced analysts who can step in to provide the extra knowledge to lower your payment risks.

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 customized 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.

Industry research

2019 Global eCommerce Fraud Management Report

Get the report to see how fraud managers around the globe are improving order acceptance while reducing fraud.

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 authorization rates


Learn how we can help your business increase issuer authorization rates, improve customer satisfaction, and recover lost revenue.

eCommerce fraud management trends


Discover why eCommerce fraud is so prevalent, the nine types of eCommerce fraud, and most importantly, fraud management trends to help you stay ahead of evolving fraud attacks.

1Intelligence from the more than 68 billion 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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Already a Cybersource customer?

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