Global Payments Adds Visa IDX to Authentication
The expansion lets commercial clients send richer transaction data to card issuers during authorization.
Updated on Nov. 10, 2026 in Artificial Intelligence
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Global Payments has expanded its Adaptive Authentication platform with the Visa Intelligent Data Exchange tool, which lets commercial clients transmit richer transaction data to card issuers. Visa IDX API access is initially restricted to eligible domestic transactions in the United States and Canada.
Why it matters
Merchants lose revenue both to fraud and to false declines of legitimate purchases, and PYMNTS Intelligence research indicates revenue lost to false rejections often exceeds losses from actual fraud. Global Payments says the richer data exchange aims to reduce that friction while maintaining security.
Adaptive Authentication uses artificial intelligence to evaluate each transaction in real time and select a verification route among 3D Secure, Data Only authentication, SCA exemptions, and the Visa IDX interface. Existing implementations have produced approval-rate gains of 4% to 6%, though the source does not report results specific to the Visa IDX integration.
The players
Global Payments
Global Payments is a major global payments technology company that provides merchant processing and payment authentication services.
Visa
Visa is a global payments network that operates one of the largest card payment systems in the world.
The details
Adaptive Authentication assesses each transaction's risk profile and automatically chooses an appropriate verification method. The Visa IDX tool allows payment platforms to pass granular purchase context directly between retailers and card issuers through APIs.
Timeline
November 10, 2026: Global Payments announced the Visa IDX addition to Adaptive Authentication.
The Tech Race
The integration places Global Payments alongside other payment processors competing to use artificial intelligence and richer transaction data to cut false declines. It extends Visa's Intelligent Data Exchange beyond its own network into a third-party authentication architecture.
Shoppers may see fewer legitimate card purchases declined at checkout if the richer data exchange reduces false rejections. Merchants whose approvals improve would be the most direct beneficiaries of the integration.
The takeaway
Reducing false declines can recover revenue merchants otherwise lose without any change in fraud rates. Businesses evaluating authentication vendors should measure approval rates alongside fraud losses.
Further reading
For broader context on how machine learning is being applied to fraud detection, see Artificial Intelligence.
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Do you trust card payment systems to approve your legitimate purchases?
