What is Visa Data Only worth to you?
Visa Data Only (VDO) sends issuers the enriched data behind Visa's Digital Commerce Authentication Program (DCAP) — with no checkout friction. Estimate your annual upside from higher approvals and the DCAP interchange incentive.
Your numbers
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The share of attempted CNP transactions that get approved today.
DCAP's interchange incentive applies to eligible credit, customer-initiated transactions.
Visa reports up to +280 bps from enhanced data (+50 bps more at full DCAP standards). Model it conservatively if you prefer.
From higher approvals plus the DCAP interchange incentive, on $12,000,000 of annual volume.
~4,480 more approved transactions annually
Net ~5 bps on eligible credit (CIT) volume
Estimates only, for illustration. Authorization uplift is based on Visa-published enhanced-data benchmarks and will vary by portfolio, issuer mix, and region. DCAP is a U.S. program; its interchange incentive (a net ~5 bps on eligible credit, customer-initiated transactions) varies by transaction type and region — confirm eligibility with your acquirer. Sources: Visa, Digital Commerce Authentication Program.
What this models
Visa Data Only is the frictionless rail behind DCAP: it shares the same enriched signals a full authentication would — device, IP, email, billing address — but never triggers a challenge. That drives two kinds of value:
Higher authorization
Issuers approve more when they have richer context. Visa reports up to +280 bps of authorization lift from enhanced data, and +50 bps more at full DCAP standards.
Interchange incentive
Eligible credit, customer-initiated transactions earn a net ~5 bps DCAP interchange incentive, stacking with network-token incentives for up to ~10 bps. DCAP is a U.S. program.
Want the full picture? Read Visa DCAP and Visa Data Only or compare rails in Visa Data Only vs. full EMV 3DS. VDO runs on the same EMV 3DS rails PAAY already operates — turning it on is a configuration toggle, not a new build.
See it on your real traffic.
PAAY runs Visa Data Only, full EMV 3DS, and 3RI on one integration. Let's size the opportunity on your actual volume.
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