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Global Payments Expands Authentication Platform With Visa Data-Sharing Tool

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Global Payments Expands Authentication Platform With Visa Data-Sharing Tool

Payment technology provider Global Payments announced in a Monday (Nov. 9) press release that it has expanded its Adaptive Authentication platform through the integration of Visa’s Intelligent Data Exchange API, aiming to curb false card declines and streamline digital checkouts for merchants across the U.S. and Canada.

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According to the announcement, the addition of the Visa Intelligent Data Exchange (IDX) tool allows commercial clients to transmit richer transaction data directly to card issuers during the authorization process. By providing issuing banks with deeper context on individual purchases, the system is designed to support more informed authorization decisions, reduce unwarranted cardholder challenges and improve overall transaction conversion rates.

Global Payments said its Adaptive Authentication architecture relies on artificial intelligence to evaluate transactions in real time and automatically select an appropriate verification method. Depending on the risk profile of each purchase, the system routes payments through protocols such as 3D Secure, Data Only authentication, Strong Customer Authentication (SCA) exemptions and the new Visa IDX interface. While the broader Adaptive Authentication suite is deployed internationally, access to the Visa IDX API is initially restricted to eligible domestic transactions within the United States and Canada.

The company, which integrates fraud and risk capabilities from specialist Ravelin, noted that existing implementations of its Data Only authentication and AI optimization models have generated merchant approval-rate gains typically between 4% and 6%.

Addressing the commercial impact of authorization friction, John Winstel , senior vice president of Value Added Services at Global Payments, underscored the financial toll of false rejections on retailers.


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