Around the world, Account-to-Account (A2A) payments are accelerating at an unprecedented speed, making them one of the fastest growing threats in payments today. As real-time payment schemes mature, criminals are exploiting instant settlement, social engineering and increasingly sophisticated scams to bypass traditional controls.

The impact is staggering: over $1.03 trillion was lost to scammers globally in 2024¹, and one in three consumers has fallen victim to an Authorized Push Payment (APP) scam². For financial institutions, the consequences can be immediate and long lasting — from rising reimbursement liabilities to customer attrition, with 15% of APP scam victims switching providers³ after an attack.

In this environment, rapid, intelligent fraud detection is becoming essential.

Fight A2A fraud and scams with award-winning analytics and network-level intelligence

Our new combined solution merges the powerful behavioral analytics and award-winning machine-learning technology originally pioneered by Featurespace with Visa’s vast network level intelligence. The result is a single, integrated risk scoring solution designed to detect scams and account takeovers in real time.

Visa A2A Protect delivers as fast as Day 1 impact, more continuous improvement and deeper visibility across the payments ecosystem. When a financial institution is ready to opt in, our network level score uses fraud signals from across ecosystem to enhance visibility and produce more informed risk scores, helping them detect a range of fraud and scams more confidently.

By unifying the strengths of both products, our clients can now benefit from a clearer, more scalable path to protecting their consumers from some of today’s fastest growing and hardest to detect fraud types.

Our single, integrated risk scoring solution, made for financial institutions

Visa A2A Protect has been created with direct input from global financial institutions and fraud leaders. The combined offer strengthens protection across A2A payment rails including push payments, request-to-pay, QR-based transfers and wallets. Find out more about the key advantages here.

The Power of Visa + Featurespace

Behind Visa A2A Protect is the combined strength of Visa’s global network and Featurespace’s award-winning analytics. Together, these capabilities offer an advantage: deep behavioral science paired with real-world payment intelligence.

As fraud continues to evolve, Visa A2A Protect provides financial institutions with confidence, clarity and a solution to help safeguard their customers.