Visa’s Digital Commerce Authentication Program: What DCAP is, and isn’t.

Visa’s Digital Commerce Authentication Program (DCAP) lets merchants supply validated signals such as device identifiers, email, billing address, and IP address before authorization, giving issuers more context to approve legitimate purchases, reduce fraud, and limit false declines without adding customer challenges or creating a new authentication flow. The program can offer eligible credit customer-initiated transactions a net five-basis-point interchange savings, potentially rising to ten basis points when combined with network token incentives, while its performance benefits may also extend to debit and merchant-initiated transactions. Merchants can participate through data-only 3D Secure, Visa token services, or the more flexible IDX direct API, which supports both PAN and token transactions. Although the concept requires only a few data elements, implementation can be difficult because customer, device, credential, and authorization data are often fragmented across front-end systems, processors, and platforms. Basis Theory positions its infrastructure as a way to collect, standardize, store, and inject this data across the available integration paths, allowing merchants to retain existing processor relationships while preparing for a broader shift toward identity-rich, context-driven payment decisions.

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