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Overview

VISA IDX enhances card-not-present authorization messages with additional risk and transaction data to improve issuer decision making. The additional risk data is used to qualify relevant transactions for **[add full term]** DCAP which can reduce transaction interchange fees. **CHECK/Rewrite?**

The feature is available on Nuvei Acquirer Bank IDs and Tango (for scheme token transactions) **find better details in OneNote and ticket – from meeting recording**

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Benefits

Implementing xxx results in higher approval rates, with reduced fraud and lower fees. **[see more detailed benefit description in ticket notes from recording]**

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FOR REFERENCE – to delete – COPY OF SHARED DOC FROM TIM COOPER (in Toby’s OneDrive – formatting left as-is)**

Visa IDX (Intelligent Data Exchange) & DCAP (Digital Commerce Authentication Program)

1. Overview

Product / Feature Name: Visa IDX (Intelligent Data Exchange)
Release Owner / PM: Tim Cooper
Status: Available for Token Transactions (Visa VTS), PAN transactions scheduled for July

2. Description

Visa IDX enhances card-not-present authorization messages with additional risk and transaction data to improve issuer decisioning. The additional risk data is used to qualify relevant transactions for DCAP which can reduce transaction interchange fees.

3. Business Value

• Higher approval rates
  • Reduced fraud
  • Lower fees

4. Geographical Coverage

Available on Nuvei Acquirer Bank IDs and Tango (for scheme token transactions)

5. Technical Integration
   Clients must include key Data Elements to qualify for DCAP:
   • Device ID (mandatory for US)
   • IP Address (mandatory)
   • Email or Phone (mandatory)
   • Billing Address (optional for Europe)

deviceDetails.deviceManufacturerIdentifier 

deviceDetails .ipAddress

billingAddress.email 

billingAddress.phone

billingAddress.address
billingAddress.streetNumber

billingAddress.zip
billingAddress.city
billingAddress.state
billingAddress.addressLine2
billingAddress.addressLine3
billingAddress.country

Configuration takes place in two filters within SCM:

3DS Filter  (166)

DataOnlyAuthenticationStatus (2340) set to 1 for Visa for PAN transactions to run through IDX

Scheme Tokenization Filter (200)

TokenizationDataOnlyAuthenticationStatus (3382) set to 1 for Visa for token transactions to run through IDX

***it is highly recommended to not enable IDX for clients who are not sending ALL the mandatory data elements***

6. Payment Flow Comparison

Token Flow:
1. Nuvei sends enhanced risk data via Get Payment Data API when requesting a cryptogram
3. Authorization sent with TAVV (cryptogram) + ECI 7
4. Visa enriches auth message with additional risk data and DCAP indicator
5. Issuer makes decision and DCAP indicator returned to Nuvei

PAN flow:

1. Nuvei sends enhanced risk data via 3DS in a Data Only flow
   3. Authorization sent with CAVV (from 3DS) + ECI 7
   4. Visa enriches auth message with additional risk data and DCAP indicator
   5. Issuer makes decision and DCAP indicator returned to Nuvei
2. Risks / Considerations

• It’s not clear whether Issuers will provide the fraud and approval rate benefits promised
  • Missing data elements will cause the DCAP requests to be unsuccessful and standard interchange will be applied
  • Dependent on merchants having the correct API implementation and sending all the required fields – device ID in particular is not something that is often provided by clients

8. Supporting Documentation

https://dev.azure.com/nuvei/DigitalPayments/_workitems/edit/951620

AI15846 – Visa Intelligent Data Exchange via Visa Token Service Enhancements in Europe (2)

Visa IDX via VTS_101_Approved

visa-data-only-implementation-guide-for-merchants