Global Payments, the Atlanta-based payment technology company, said on 9 November 2026 that it has added Visa Intelligent Data Exchange (IDX) API to its Adaptive Authentication platform, letting merchants send issuers richer transaction data to cut false declines on eligible domestic US and Canadian transactions. Fintechbits’ archive shows Ravelin, the fraud platform Global Payments cites alongside Adaptive Authentication, renewed its contract with games marketplace Kinguin in August 2026.

What Global Payments Is Claiming

Adaptive Authentication picks an authentication method for each transaction using AI, choosing between 3D Secure, Data Only authentication, SCA exemptions and Visa IDX. Global Payments says earlier deployments of Data Only authentication and its optimisation model delivered approval-rate improvements “typically ranging from four to six percent.” The release gives no figure for Visa IDX itself.

John Winstel, senior vice president of value added services at Global Payments, said “Every time a legitimate customer has their transaction declined, it is a lost revenue opportunity.” That is the right frame for the product. False declines cost merchants more than most fraud, and richer data to issuers is the cheapest lever. The limit is reach: Visa IDX covers Visa only, and only domestic US and Canadian payments at launch.

The data-sharing approach is the direction card networks are pushing. Instead of challenging every risky-looking purchase with a 3D Secure step, the merchant sends the issuer more context so the bank can approve without friction. Cietan Kitney, head of product for North America at Visa, said the API is designed to give issuers richer transaction insights during authorisation. The release does not say how many merchants use Adaptive Authentication, what it costs, or when Visa IDX will reach other regions. Mastercard and other networks are not mentioned, which limits the benefit for merchants that take a mix of card brands. Visa is pushing richer data on the commercial side too, with its Commercial Fraud Solutions for virtual cards.