Foreign Exchange Rates Documentation

Ready to start coding?

Things to Know

Visa provides daily FX rates for the 180+ global currencies that are used within VisaNet to authorize and settle transactions. The current list of supported currencies with their alphabetic and numeric ISO codes and their minor decimal places (for displaying amounts) can be found on the Request and Response Code Reference.

The Foreign Exchange Rates API is available for use by any developer in sandbox and production. However, Visa retains the right to review your project implementation of this API prior to production on-boarding to ensure appropriate use of its features.


The following table lists the regional availability for Foreign Exchange Rates. To view availability of all products, refer to the Availability Matrix.

Available in entire region

Limited availability in region

Not available

Product Name Availability Notes
Foreign Exchange Rates
Product Name Availability Notes
Foreign Exchange Rates
Product Name Availability Notes
Foreign Exchange Rates
Product Name Availability Notes
Foreign Exchange Rates
Product Name Availability Notes
Foreign Exchange Rates

Getting Started

Foreign Exchange Rates provide easy access to the Visa daily currency exchange rate for a given currency pair. With Foreign Exchange Rates, you can provide a better user experience for cross-border and/or multicurrency transactions.

The Foreign Exchange Rates API allows you to provide a source amount and a source and destination currency pair and get back the source amount converted into the destination currency using Visa's daily foreign exchange rates. This API can be very useful whenever you are building a project that requires working with multi-currency or cross-border transactions, such as cross-border remittances or person-to-person money transfers.

To use the Foreign Exchange Rates API, you must provide a source currency code (the “from” currency), a destination currency code (the “to” currency), and an amount to be converted (denominated in the source currency) in the request message.The API also has two ways to apply an optional currency conversion markup.You may provide a specific markup rate in each request that you want to have applied on top of Visa's daily rate. Alternatively, you may be able to arrange with Visa to have predefined markup rates configured within VisaNet. In that case, Visa willl apply an appropriate markup rate to the converted amount and the markup rate used by Visa will be returned in the response message.

The response message will contain Visa's current day base conversion rate for the currency pair, the foreign exchange markup rate that was added to the base conversion rate (if any), the total conversion rate, and the source amount in the destination currency.(The technical details can be found on the Documentation tab.)

If you will be using the Foreign Exchange Rates API in conjunction with calls to the Funds Transfer API, please include the following fields in the request message (Acquiring BIN, Acquirer Country Code, and the Card Acceptor fields) using the corresponding values that you plan to use in your Funds Transfer API calls. If not, you can exclude all of those fields from your request. If you are using the option to have Visa apply a previously configured markup rate to the request, you must include your Acquiring BIN in the request.

How Does it Work?

Foreign Exchange Rates accepts a source and destination currency pair and returns the current day’s Visa exchange rate for the pair. It can also take a transaction amount in the source currency and return the same amount in the destination currency, with or without an optional FX rate markup.

Why Use It?

Better Payment Experience in Cross-Border and Multi-currency Transactions

The customer can be well informed of the daily curency conversion rate before completing a cross-border or multi-currency transaction.

APIs Included

Foreign Exchange Rates API

The Foreign Exchange Rates API provides easy access to the Visa daily currency conversion rate for a given currency pair.

Visa Direct

Transfer funds seamlessly, securely and quickly.

Security Authentication Requirements

The Foreign Exchange Rates API uses mutual SSL authentication and channel encryption, which requires the caller to obtain a user ID and password as well as install a PKI certificate issued by Visa. Test credentials can be obtained online in the Project Console for sandbox testing. Production credentials will be supplied to you as part of the production on-boarding process. Contact for more information or to begin the production on-boarding process.