---
title: "Helping businesses optimize network costs with the Visa Digital Commerce Authentication Program (DCAP)"
url: https://daily.dev/posts/helping-businesses-optimize-network-costs-with-the-visa-digital-commerce-authentication-program-dca-isqy5d3wm
source_url: https://stripe.com/blog/helping-businesses-optimize-network-costs-with-visa-digital-commerce-authentication-program
type: article
source: "Stripe"
published: 2026-06-03T15:38:36.159Z
updated: 2026-06-03T15:38:56.130Z
tags: ["stripe", "fraud-detection", "payment-processing"]
reading_time: 2
upvotes: 1
comments: 0
language: en
---

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# Helping businesses optimize network costs with the Visa Digital Commerce Authentication Program (DCAP)

**[Stripe](https://daily.dev/sources/stripe)** · 2 min read · 1 upvotes · 0 comments

## Summary

Visa launched the Digital Commerce Authentication Program (DCAP), rewarding US businesses with a 5 basis point interchange reduction for sharing richer transaction data during card-not-present authentication. Stripe responded by integrating DCAP support into its Authorization Boost product, using transaction-level intelligence to selectively apply Data Only 3DS — balancing cost savings against conversion and authorization rate risks. Since April 18, Stripe has helped businesses capture $18.4 million in annualized network cost savings and achieved an 8x increase in DCAP-eligible transactions. Businesses using Authorization Boost with required data fields are automatically enrolled; standalone 3DS users can opt in via a specific API parameter.

## Full article

daily.dev links to this article rather than hosting it. Read it at the original source: <https://stripe.com/blog/helping-businesses-optimize-network-costs-with-visa-digital-commerce-authentication-program>

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---

Tags: [#stripe](https://daily.dev/tags/stripe), [#fraud-detection](https://daily.dev/tags/fraud-detection), [#payment-processing](https://daily.dev/tags/payment-processing)

[View this post on daily.dev](https://daily.dev/posts/helping-businesses-optimize-network-costs-with-the-visa-digital-commerce-authentication-program-dca-isqy5d3wm)