Visa Launches Fraud Tools for Virtual Commercial Cards
The company is introducing new security measures and analytics to secure growing B2B virtual payment volumes.
Updated on Oct. 21, 2026 in Credit Cards
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Visa has unveiled a new suite of fraud protection tools and an updated spend analytics platform for virtual commercial card transactions. These features are designed to enhance security and provide businesses with granular control over payments as adoption of B2B virtual cards continues to rise.
Why it matters
Companies are facing increasing pressure to better verify suppliers and authenticate users as the B2B sector shifts toward virtual card payments. These tools aim to mitigate risks associated with this rapid digital transformation.
Visa reported that virtual cards now account for 83% of the global market share in their specific category. The company projects total B2B virtual card payment volumes will reach $14.6 trillion by 2029.
The players
Visa
Visa is a global digital payments technology company that facilitates electronic funds transfers throughout the world.
BILL
BILL is a provider of cloud-based software that simplifies, digitizes, and automates financial operations for small and midsize businesses.
Billtrust
Billtrust is a business-to-business order-to-cash software company that specializes in accounts receivable automation and payment cycle management.
The details
The new fraud solution utilizes 3-D Secure authentication to verify card users and allows businesses to implement transaction-level controls based on location, merchant category, timing, and spending limits. Additionally, Visa introduced its Supplier Enablement Spend Analytics 2.0 platform to provide improved oversight for enterprise accounts.
Timeline
October 20, 2026: Visa announced an agentic payments pilot project with BILL and Billtrust.
October 21, 2026: Visa announced the launch of new fraud solutions and the SESA 2.0 platform.
2029: The projected year for B2B virtual card payments to reach $14.6 trillion.
Market Dynamics
The integration of 3-D Secure authentication into B2B virtual cards follows a broader industry trend of applying consumer-grade security protocols to commercial transaction frameworks. This shift represents a direct response to the structural evolution of the global digital payments market.
For businesses utilizing virtual cards, these tools offer increased protection against unauthorized transactions and improved internal spend management capabilities. These enhancements may lead to lower operational risk and better financial oversight for companies managing large B2B payment volumes.
The takeaway
The move by Visa highlights how traditional payment security measures are being adapted to meet the specific requirements of the B2B digital economy. Businesses should evaluate these new authentication and control tools to protect their capital as virtual card adoption continues to scale.
Further reading
For more information on the evolving landscape of payment security, explore the latest trends in Credit Cards.
Source note: This article includes information reported by PYMNTS.
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