Visa Transaction Underwriting Scores

Learn about Visa Transaction Underwriting Scores and how you can benefit from its features.

Visa Transaction Underwriting Scores (Scores) are used to assist finance organizations in assessing creditworthiness at the cardholder level. The Score is derived using transaction and authorization data to predict the likelihood that a cardholder will fall behind on payments. Using the Score allows finance organizations to improve and better refine their risk evaluation methods. Transactional data could complement traditional credit variables that are assessed in credit bureau reports, offering users a more holistic view of creditworthiness. The Score is available via API for finance organizations that have obtained a cardholder’s consent for score retrieval as part of the credit underwriting or application process.


  • Instant approvals - Scores are accessed in real-time via APIs, enabling automation and instant decisions.
  • Reduce credit and fraud risk – Scores are based on data from a reliable and trustworthy source.
  • Supplement credit scoring methodologies - Scores provided supplement traditional credit bureau reports
  • Insightful decisions - Authorization and transaction data such as spend volume and categories may be used to help assess creditworthiness.


The Score is calculated based on a cardholder’s transactional spend data. Scores may only be requested, retrieved and used if the relevant cardholder’s consent has already been collected by the finance organization.