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Visa's Digital Commerce Authentication Program (DCAP) is a voluntary program designed to help merchants unlock interchange savings on eligible ecommerce transactions by sharing additional customer and device data. It can also help improve authorization rates and reduce fraud by giving issuers more context to evaluate transactions. In the United States, qualifying merchants may realize up to 5 basis points in net savings per eligible transaction.1 At enterprise transaction volumes, those savings can be meaningful.
A payment decline does not always have to be the end of a transaction.