Payments

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.

Real-time payment rails are rapidly reshaping how enterprises move money. In the U.S., The Clearing House’s RTP® network processed $246 billion in payments in 2024 across 343 million transactions. Payment value increased 94% year over year.¹ Across the U.S., Europe, and other global markets, faster payment methods and real-time payouts are becoming expected for marketplaces, gig platforms, insurers, and other enterprises that move money at scale.