Visa Digital Enablement SDK: Digital Card Display enables real-time retrieval and display of card details (card number, expiry date, and security code) to cardholders through digital banking channels (e.g. online banking, mobile banking). With this information, cardholders are able to perform card-not-present transactions when they don’t have access to their physical card, driving activation and usage, increasing the ability to capture top-of-wallet positioning, and providing a leading digital-first experience.
Visa Digital Enablement SDK: Digital Card Display enables real-time retrieval and display of card details (card number, expiry date, and security code) to authenticated cardholders through digital banking channels (e.g. online banking, mobile banking). With this information, cardholders can perform card-not-present transactions when they don’t have access to their physical card, driving usage, with the potential to increase the ability to capture top-of-wallet positioning, and provide a leading digital-first experience.
The Digital Card Display feature includes an optional set of user interface (UI) screens designed by Visa that can be leveraged to simplify the mobile app development effort or to avoid the handling of PCI-related account data. Clients that wish to use these screens will be configured on Visa’s systems to enable the SDK User Interface and will operate in the ‘UI SDK’ mode. Clients that do not use these screens will operate in a ‘Headless SDK’ mode. For purposes of this document, ‘Headless’ references will always be indicative of an SDK operation that does not involve the use of Visa’s UI screens. For purposes of this document, ‘Headless’ references will always be indicative of an SDK operation that does not involve the use of Visa’s UI screens.
Support for this feature requires the client’s compliance with applicable law and regulations, including but not limited to step-up authentication, and the ability for the Security Code to be generated and retrieved on a real-time basis from the client’s issuer/processor or other host system for use in the display of the data.
| North America | Asia-Pacific | Europe | CEMEA | LAC | Notes |
|---|---|---|---|---|---|
To get started with the Visa Digital Enablement SDK, please reach out to your Visa Account Executive. Once a VDP API Agreement for the Visa Digital Enablement SDK has been signed and any necessary authorizations have been granted, Visa will assign an Implementation Manager to support the initial client implementation, as well as any subsequent projects in which new clients and/or new BINs are added to (or removed from) the SDK configuration. The Visa Implementation Manager will coordinate the overall project, establish timelines and milestone dates, address completion of the required Visa system configurations and handle the various technical onboarding requirements.
Enablement of the Digital Card Display feature requires that clients must verify the identity of the cardholder before any unmasked card account data can be retrieved and displayed within the mobile app, which includes step-up authentication as well as compliance with other requirements by applicable law and regulation.
The client must also ensure that any required integrations and dependent system configurations are in place to support the generation and retrieval of the card’s Security Code (CVV2, CVC2) prior to the testing stage of the SDK implementation project.
When using a Visa-provided method of cardholder identity verification, confirm that the client’s issuer/processor or other host system can provide the required cardholder data, including first and last name, email address and/or mobile number. Also, verify that the cardholder contact data is reliably available on card account records.
For clients that do not have email address and/or mobile numbers on the card account records, a cardholder data clean-up effort should be completed prior to implementation.
Should a new system integration be required with an issuer/processor or other host system in support of any of the above functionality, this should be handled as a separate project prior to the SDK implementation. Visa can provide standard API specifications upon request.
Please reach out to your Visa Account Manager for more information.
Start a Project
API Overview