Visa Alias Directory Service

Simplify the push payment experience. Link and resolve an Alias to a payment credential.

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Use Cases and Implementation Examples

Payment Use Cases

Use Cases Disclosure: Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations.

Using Alias for P2P

  • Results of the Enroll Data, Manage Consumer Data, Manage Payment Instrument Data, and Delete Data API will be available via this API. 
  • Clients can use the requestID to retrieve the details of the request. 
  • The requestID to be queried is added in the path parameter.
  • Below is an example request body of a successful update.
Mobile Screenshots that show how someone can use a bank app to make a peer-to-peer payment with an Alias. The steps demonstrated in these screenshots are described below.
  1. Dimitry opens his mobile banking application to send money to a friend.
  2. Dimitry selects Send to Phone as the transfer method.
  3. Next, Dimitry is presented with his phone contact list. Each contact who has Alias payments enabled is already highlighted. 
  4. He chooses to send money to Gennadi and enters the amount. Dimitry also selects the correct account to fund the transfer from. 
  5. Dimitry confirms the transfer details. 
  6. Done! Dimitry has now sent money to Gennadi using Gennadi's phone number. 

Loan Disbursement

Mobile Screenshots that show how someone can use a bank app to make a loan disbursement with an Alias. The steps demonstrated in these screenshots are described below.
  1. Santiago opens his mobile banking application.
  2. Santiago enters loan amount, terms, and personal information.
  3. He submits the application.
  4. The loan is approved.
  5. Santiago selects "Mobile Phone" as the transfer method.
  6. He confirms the recipient's Alias details.
  7. The loan is disbursed to the card linked via Alias Directory!

Cross Border Remittance

Mobile Screenshots that show how someone can use a bank app to make a cross border remittance with an Alias. The steps demonstrated in these screenshots are described below.
  1. Matias opens his banking application to send money to Santiago cross border in Mexico.
  2. Matias inputs the amount and checks the exchange rate.
  3. He selects the card transfer option and selects Santiago's Alias.
  4. A confirmation screen is shown to verify Santiago's details.
  5. Matias confirms and the payment is sent!

Alias Lifecycle Management Use Cases

Use Cases Disclosure: Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations.

Creating an Alias

Mobile Screenshots that shows how someone would use a bank app to create an Alias. The steps demonstrated in these screenshots are described below.
  1. Dimitry opens his banking application, where he is prompted to activate his Alias profile. 
  2. Dimitry selects the card to be linked to his mobile number. 
  3. He consents to the terms of the service.  
  4. Alias profile is created!

Modifying an Alias

Mobile Screenshots that shows how someone would use a bank app to modify an existing Alias. The steps demonstrated in these screenshots are described below.
  1. Dimitry opens his mobile banking application to update his Alias profile.
  2. Dimitry selects another card to be the preferred card to receive money for this mobile number.   
  3. He agrees to the changes.
  4. Dimitry will now receive money to this new card.  

Creating an Alias at Another Bank

Mobile Screenshots that shows how someone can create an Alias using another bank app. The steps demonstrated in these screenshots are described below.
  1. Dimitry now opens his mobile banking application with Digital Bank. 
  2. Dimitry activates his Alias profile with Digital Bank.
  3. Dimitry is notified that he has an Alias profile with another bank. He confirms to proceed. 
  4. He consents to the terms of the service.  
  5. Dimitry's card with Digital Bank is now the default to receive money. Dimitry's previous Alias profile is still active, but is not the default for receiving money.

Removing an Alias

Mobile Screenshots that shows how someone would use a bank app to remove an existing Alias. The steps demonstrated in these screenshots are described below.
  1. Dimitry edits his Alias profile.
  2. He selects to remove his Alias.
  3. Dimitry confirms the Alias removal. 
  4. Dimitry's Alias profile is now removed. Dimitry can activate his profile again in the future if needed.

Implementation Examples

Ukraine and Uzbekistan

Ukraine

Many markets in Eastern Europe, Caucasus, and Central Asia have become advocates of the digital economy and work to meet customers’ expectations for innovative, high-quality ways to pay and be paid. This trend has been driven by business, financial, and government institutions. Visa has been playing a vital role in this movement by bringing its vision, expertise, and technologies to help enable multilateral partnerships. 

Ukraine is considered one of the leaders in the digitalization of the economy in Eastern Europe. The launch of the Dilia Super App, with a wide range of e-services, is a leading example, with many businesses and countries now launching similar initiatives. In keeping pace with this digitalization, Visa has already launched Visa Direct in Ukraine, in partnership with 10 Ukrainian banks; Including PrivatBank, the largest bank in the country serving more than 20M customers. These partnerships are addressing the accelerating demand for fast, simple, and secure money movement and P2P transactions among citizens and SMEs. They have contributed to the popularization of electronic payment services and expanded the use of digital financial services.

“Privatbank is a market leader in Ukraine, we are constantly analyzing global digital and payment trends, providing our customers with superior services and customer experiences. Customer journeys simplification is a key priority for our mobile banking. Following customers’ expectations, Privatbank has launched simplified ways to send money transfers via mobile banking application. Now Privatbank’s users can send money transfers to anyone by simply choosing their phone number from a phone contact book in Privatbank’s mobile application. Money transfer will be instantly deployed to any card that receivers linked to their phone number. Such an enhancement has been deployed by virtue of Visa’s money transfers solution that helps to provide cardholders with a simple and secure way to send money.“

Dmytro Musienko, Board Member - Retail Business.

Visa Direct with Alias Directory (Ukraine)

Uzbekistan

Uzbekistan, one of the most densely populated countries in Central Asia, is often described as the "country of young people" – more than 60 percent of the population is youth. Government and local businesses consider this characteristic in their policies and tend to implement innovative, convenient, and streamlined solutions. Ravnaq-bank was the first bank to encourage its consumers to shift to modernized P2P payment solutions, utilizing Visa Alias Directory Service. It was warmly welcomed by the population, demonstrating the growing trend of cashless payments.

“An international mobile transfer service from Visa has come to our Republic, and this makes it possible to make transfers quickly, conveniently, and safely. The technology platform of RBK-Mobile (APP) made it possible to become the first bank in Uzbekistan to supplement its own P2P transfer service with such a global solution.”

Bakhtinur Bakhtiyarovich Nurmukhamedov, Deputy Chairman of the Board. Ravnaq-bank

 

Peru

Going digital is at the core of every future transaction. In Latin America and the Caribbean, where cash has persistently held on, the pandemic made it clear that finding ways to transfer money quickly and safely is very important for consumers.  There is a significant appetite for instant satisfaction, where the real-time person-to-person (P2P) transfer of money becomes part of everyday life, a modern way of sharing with friends and family. Consumers realize this and banks do too.

Yellowpepper, a Visa company, addressed this issue along with BBVA, Interbank & Scotiabank by launching PLIN in Peru at the start of 2020. PLIN is a mobile person-to-person transfer service, based on YellowPepper’s standardized real-time payment platform (Yepex) and its Alias Directory technology, that enables a secure and convenient way to initiate the immediate transfer of funds between customers. “PLIN” roughly translates to “snap!” and you can see why. 

PLIN exists in a bank led digital payment ecosystem where customers can transfer funds in real-time, free of charge directly in their mobile banking applications using the recipients phone number as the Alias. The solution is expected to have 15 banks by the end of 2022, capturing 70% of the banked market. Over 5 million users are registered in PLIN as of today.   

 

“PLIN is a groundbreaking project for Peruvian banks, which was born thanks to the collaboration of three majors banks in order to facilitate the interaction of more than 10 million people. In these times of health emergencies, PLIN facilitates the transfer and exchange of money, prioritizing digital channels over cash.”

Fernando Eguiluz, CEO of BBVA Peru.

“Consumer behaviors have shifted significantly with the current situation, driving digital adoption faster than ever. As customer expectations continue to change, we must reimagine and adapt to address our customer needs, and PLIN is a great example of this. We are proud to partner with other banking institutions to offer Peruvians a simple and easy way to send and receive money. This is just the beginning of PLIN, we hope that every financial institution in Peru joins this inclusive network, so we can make the product accessible for all Peruvians.”

Luis Felipe Castellanos, CEO of Interbank.

“With PLIN we are eliminating the barriers for transferring money between banks and making people’s lives easier, especially during difficult times such as these. We will continue working on features that anticipate the needs of our clients; we will do it for them, for our country and for every future.”

Miguel Uccelli, CEO of Scotiabank Peru.

¡Afíliate a PLIN en nuestra app! | Scotiabank Perú