Visa Alias Directory Service supports phone and email for Alias types. Availability will vary by market and more Alias types can be added upon request.
Participating clients are required to follow the mobile UI/UX guidelines to create a uniform and delightful experience for all consumers. Clients should refer to the Alias Directory Service Mobile App User Experience Guide for the user experience flows for transactions initiated and completed using the Visa Alias Directory Service. Please contact your Visa representative for this guide.
Consumer consent is mandatory to enforce a consumer choice of using the Alias and preferred payment credential to receive funds. Clients cannot enroll and activate an Alias without consumer consent.
Yes, the Alias Directory Service does support cards belonging to schemes other than Visa.
If the card is re-issued with same primary account number (PAN), there is no update required to Visa Alias Directory Service. However, if the PAN has changed, the client is required to update the Alias-to-PAN mapping with the new PAN.
If the consumer's Alias changes, the client is required to update the Alias information.
Visa does not perform any payment credentials & Alias information validations. It is the Client's responsibility to ensure KYC of customer and due diligence of the Alias and the payment credential mappings in Visa Alias Directory Service. The Client is solely responsible for ensuring the accuracy of all data provided to Visa, including the validity of the payment credential, that the payment credential belongs to the enrolled recipient, and that the correct Alias is matched with the payment credential. Clients must only submit Alias information for payment credentials owned by Client.
If the consumer Alias is not found during Alias resolution, clients may request the sender to continue the transaction by manually inputting the recipient's payment credential details if available.
Bank cannot utilize the data retrieved from the Visa Alias Directory Service to steer an end user either to their own services, or away from services offered by other participating clients. All transactions should be based on consumer end-user choice. Auto-steering to a Bank's own bank accounts will result in a violation of Visa Alias Directory Service operating rules and possible discontinuation from Visa Alias Directory Service.
During transactions, Visa requires the sender to verify the recipient's name for the registered Alias before submitting the transaction to Visa. Visa is not liable for any disputes arising due to incorrect setup of Alias and payment credential mapping in the Alias Directory database by participating clients and/or senders submitting transactions without verifying consumer name registered to Alias.
Visa Alias Directory Service has logic to address customers with accounts at multiple financial institutions. If multiple results are found, Alias Directory Service will apply business logic to determine the best result to return. For example, Alias Directory Service will look at the timestamp for when the payment credential was marked as preferred and choose the latest.