What is the Visa E-Commerce Experience (VEE)?

The Visa E-Commerce Experience (VEE) is an optional program from Visa intended to reduce fraud and improve transaction performance.

By using Visa solutions to share data with issuers, merchants in Europe can benefit from reductions on their on 3DS request fees.

How does Visa calculate VEE fee reductions?

The fee incentives under VEE differ depending on the jurisdiction and transaction type:

Description	Transaction type	Jurisdiction	Data quality mandate met?	Fee
Acquirer 3DS Authentication Request Fee	Cardholder Initiated Transaction (CIT)	Group A	No	0.03 EUR per request
		Group A	Yes	0.025 EUR per request
		Group B	No	0.04 EUR per request
		Group B	Yes	0.03 EUR per request
	Merchant Initiated Transaction (MIT)	Groups A and B	No	0.003 EUR per request
	Merchant Initiated Transaction (MIT)	Groups A and B	Yes	0.002 EUR per request

Jurisdictions

Group A

Domestic
Intra-EEA and microstates
Between UK and the EEA / microstates (both ways)
Between UK and Switzerland (both ways)
Between Switzerland and the EEA / microstates (both ways)

Group B

Between Türkiye and all other countries and territories in the Europe region (both ways)
Between Israel and all other countries or territories in the Europe region
Between merchants in the Europe region and issuers outside the Europe region

How to qualify for VEE fee reductions

To qualify for VEE fee reductions, you will need to provide the following data elements. The API fields you’ll need to submit will depend on your 3D Secure integration.

For our Flow integration

customer.name You must also send either the customer email address, or phone number:
customer.email OR
customer.phone AND
customer.phone.country_code AND
customer.phone.number VEE also requires the customer’s IP address – our Flow integration will collect and submit this on your behald.

For our payments API integration (Integrated 3D Secure)

source.name
risk.device.network.ipv4 OR
risk.device.network.ipv6 You must also send either the customer email address, or phone number:
source.email OR
source.phone
source.phone.country_code
source.phone.number

For our Standalone (Hosted and Non-Hosted) 3D Secure integrations

source.name
risk.device.network.ipv4 OR
risk.device.network.ipv6 You must also send either the customer email address, or the home, mobile, or work phone number:
source.email OR
source.home_phone
source.home_phone.country_code
source.home_phone.number
source.mobile_phone
source.mobile_phone.country_code
source.mobile_phone.number
source.work_phone
source.work_phone.country_code
source.work_phone.number