Visa Supplier Matching Service Documentation

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Things To Know

The Visa Supplier Matching Service APIs can be used by developers in the sandbox. To use the APIs in production, user must be pre-approved by Visa. The Visa Supplier Matching Service APIs licensing agreement and approval process is available as part of the Production Onboarding. Use of the service is subject to the terms of use set forth in the applicable agreement.

The Visa Supplier Matching Service is available in Australia, Brazil, Canada, France, Germany, Hong Kong, India, Indonesia, Malaysia, Netherlands, New Zealand, Peru, Poland, Republic of Ireland, Singapore, Sweden, Switzerland, Thailand, United Kingdom and the United States.

The sandbox and samples only show the basic list of attributes available. Please contact your Visa representative or email developer@visa.com with the subject Visa Supplier Matching Service API with questions or if you need additional assistance.

Visa does not make any warranty or representation as to the accuracy, correctness, or completeness of the information provided via the Visa Supplier Matching Service APIs, nor does Visa assume any liability or responsibility for claims or damages that may result from reliance on such information. Users of this information are encouraged to contact their current and/or prospective suppliers directly regarding Visa card acceptance status.

Availability

The following table lists the regional availability for Visa Supplier Matching Service. 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
Visa Supplier Matching Service
Product Name Availability Notes
Visa Supplier Matching Service Available in Australia, Hong Kong, India, New Zealand, Singapore, Indonesia, Malaysia and Thailand
Product Name Availability Notes
Visa Supplier Matching Service Available in France, Germany, Italy, The Netherlands, Poland, Republic of Ireland, Sweden, Switzerland and United Kingdom
Product Name Availability Notes
Visa Supplier Matching Service
Product Name Availability Notes
Visa Supplier Matching Service Available in Brazil and Peru

Getting Started

The Visa Supplier Matching Service is the fast, efficient way to identify suppliers that accept Visa Commercial payment products, so you can reduce time-consuming and labor-intensive paper-based invoice processing and check writing.

The Visa Supplier Matching Service APIs allow users to identify suppliers that accept Visa Commercial Payment Products by matching an organization’s supplier data against the Visa commercial merchant database. For example, you can send supplier data and learn whether that supplier has accepted a commercial card transaction and they pass Level II and III enhanced data as well as obtain their merchant category code (MCC).

How Does it Work?

Taking advantage of the Visa Supplier Matching Service is convenient and easy. Here are the basic steps of how the APIs work:

1. Match

You can match your supplier information to the Visa commercial merchant database using the supplier name, address and other key datapoints. The API leverages matching algorithms to identify the best possible match.

2. Receive Enriched Match Results

You can receive back an indicator of which of your suppliers matched to the Visa commercial merchant database, those capable of providing enhanced data and their related merchant category codes (MCC). Records returned are from highest to lowest match confidence. The match confidence is calculated based on the number of search criteria that matched. 

Why Use It?

Your cardholders want to know who they can pay using their Visa Commercial Card to make their procurement process efficient and cost-effective. Use the Visa Supplier Matching Service APIs to discover which of your current suppliers already accept Visa Commercial Payments based on available merchant information in the Visa commercial merchant database. It also enables you to learn which suppliers are capable of sharing Level II and III data.

APIs Included

Visa Supplier Matching Service API

The Visa Supplier Matching Service API  helps you easily identify your suppliers at the individual record level that already accept Visa Commercial Card. 

Visa Supplier Matching Service Bulk API

The Visa Supplier Matching Service Bulk API  helps you easily identify suppliers submitted within a bulk file that already accept Visa Commercial Card.

Using Visa Supplier Matching Service API

Requirements for Input Data

The format of the supplier data is a key criterion for obtaining an accurate match result. Users should prepare and send the supplier data in the Visa-specified format. Input data must include the supplier name and country code. The file may also include other attributes such as address, city, state, postal code, tax identification number, and/or telephone number which may improve the match rates. Below is a list of fields and requirements:

Field Field Name Field Description Required/Optional Max. Field Length
1  Company Name
 Supplier/Vendor DBA Name  Required 100
2  Address  Street Address  Optional/Helpful 60
3  City  City    Optional/Helpful 50
4  Province/State  Province/State  Optional/Helpful 20
5  Postal/Zip Code
 Postal/Zip Code  Optional/Helpful 20
6  Tax ID  Tax Identification Number (Govt issued)    Optional/Helpful 20
7  Telephone number  Company Telephone Number  Optional/Helpful 20
8  Country*  Country for this company  Required 3

*Please refer to the country codes listed in the Request and Response Codes page. The Visa Supplier Matching Service API supports the 2-digit alpha ISO Country Code or the 3-digit numeric ISO Country Code.

The API currently supports the following countries:

  • Australia
  • Brazil
  • Canada
  • France
  • Germany
  • Hong Kong
  • India
  • Indonesia
  • Italy
  • Malaysia
  • Netherlands
  • New Zealand
  • Peru
  • Poland
  • Republic of Ireland
  • Singapore
  • Sweden
  • Switzerland
  • Thailand
  • United Kingdom
  • United States of America

Match Results for Input Data

The API will deliver the results of the match containing your original data plus several additional fields. These results include a match indicator, enhanced data indicators, Merchant Category Code(s), and the match confidence. The following table provides the description for these fields:

Field Name Description
Match Status Yes = Matched to a record within the Visa commercial merchant database  
Level II Yes = Capable of sending Sales Tax and Customer Code information
Level III Summary Yes = Capable of sending summary level information that applies to an entire transation, such as Order Date and Invoice Number
Level III Line Item Yes = Capable of sending detailed information about individual line items within a transaction, such as Product Code, Description, Quantity and Unit Cost.
Fleet Indicator Yes = Capable of sending Fleet data within a transaction, such as Fuel Type and Fuel Unit Cost
MCC All Merchant Category Codes on file for suppliers that matched on both name and address. MCC's will be separated by a semi-colon where multiple MCC's are returned.
N/A = MCC's not qualified for inclusion due to lesser quality match
Match Confidence High = Match on supplier name and full address and/or other data provided
Medium = Match on supplier name and partial address and/or other data
Low = Match on supplier name only

**Other attributes may be available in the response file. Please check with your Visa representative

Disclaimer: Visa does not make any warranty of representation as to the accuracy, correctness, or completeness of the information provided, nor assumes any liability for responsibility for claims that may result from reliance on such information. Users of the Visa Supplier Matching Service API should communicate directly with the business entity for verification of accuracy.

Error Codes & Responses

Use the status code returned in the response to determine the status of any Visa Supplier Matching Service API call. The descriptions listed below will also help determine what corrections need to be made if the record fails to process.

Status Code Description
SMSAPI000 Request successfully received
SMSAPI011 Request supplier name value is null / empty
SMSAPI012 Request supplier country code value is null / empty
SMSAPI111 Service unavailable
SMSAPI115 Required request data is null / empty
SMSAPI116 Request data name length exceeded max character length
SMSAPI117 Request data address length exceeded max character length
SMSAPI118 Request data city length exceeded max character length
SMSAPI119 Request data state length exceeded max character length
SMSAPI120 Request data postal length exceeded max character length
SMSAPI121 Request data country length exceeded max character length
SMSAPI122 Request country not supported

If an error code is received, users should resubmit the API request once the data has been corrected.

Using Visa Supplier Matching Service Bulk API

Requirements for Input Data

The format of the supplier data is a key criterion for obtaining an accurate match result. Users should prepare and send the supplier data in the Visa-specified format. Input data must include the supplier name and country code. The file may also include other attributes such as address, city, state, postal code, and country which may improve the match rates. Below is a list of fields and requirements:

Field Field Name Field Description Required / Optional Max Field Length
1  Company Name
 Supplier/Vendor DBA Name  Required 100
2  Address  Street Address  Optional/Helpful 60
3  City  City    Optional/Helpful 50
4  Province/State  Province/State  Optional/Helpful 20
5  Postal/Zip Code
 Postal/Zip Code  Optional/Helpful 20
6 Country*  Country for this company  Required 3

*Please refer to the country codes listed in the Request and Response Codes page. The Visa Supplier Matching Service API supports the 2-digit alpha ISO Country Code or the 3-digit numeric ISO Country Code.

The API currently supports the following countries:

  • Australia
  • Brazil
  • Canada
  •  France
  • Germany
  • Hong Kong
  • India
  • Indonesia
  • Italy
  • Malaysia
  • Netherlands
  • New Zealand
  • Peru
  • Poland
  • Republic of Ireland
  • Singapore
  • Sweden
  • Switzerland
  • Thailand
  • United Kingdom
  • United States of America

Match Results for Input Data

The API will deliver the results of the match containing your original data plus several additional fields. These results include a match indicator, enhanced data indicators, Merchant Category Code(s), and the match confidence. The following table provides the description for these fields:

Field Name Description
Match Status Yes = Matched to a record within the Visa commercial merchant database  
Level II Yes = Capable of sending Sales Tax and Customer Code information
Level III Summary Yes = Capable of sending summary level information that applies to an entire transation, such as Order Date and Invoice Number
Level III Line Item Yes = Capable of sending detailed information about individual line items within a transaction, such as Product Code, Description, Quantity and Unit Cost.
Fleet Indicator Yes = Capable of sending Fleet data within a transaction, such as Fuel Type and Fuel Unit Cost
MCC All Merchant Category Codes on file for suppliers that matched on both name and address. MCC's will be separated by a semi-colon where multiple MCC's are returned.
N/A = MCC's not qualified for inclusion due to lesser quality match
Match Confidence High = Match on supplier name and full address and/or other data provided
Medium = Match on supplier name and partial address and/or other data
Low = Match on supplier name only

**Other attributes may be available in the response file. Please check with your Visa representative

Disclaimer: Visa does not make any warranty of representation as to the accuracy, correctness, or completeness of the information provided, nor assumes any liability for responsibility for claims that may result from reliance on such information. Users of the Visa Supplier Matching Service Bulk API should communicate directly with the business entity for verification of accuracy

Error Codes & Responses

Use the status code returned in the response to determine the status of any Visa Supplier Matching Service Bulk API call. The descriptions listed below will also help determine what corrections need to be made if the record fails to process.

Status Code Description
SMSAPI111 Service Unavailable
SMSAPI100 File Received
SMSAPI101 File Not Ready
SMSAPI102
File Failed
SMSAPI103 File Complete
SMSAPI104 Permission Denied
SMSAPI105 File Exceeded Limit
SMSAPI106 File Invalid Format
SMSAPI107 User ID Not Valid
SMSAPI108 Bank ID Not Valid
SMSAPI109 Field Not Valid

If an error code is received, users should resubmit the API request once the data has been corrected

Potential Use Cases

An organization or service provider could work with an issuer and Visa to determine those suppliers that could be paid using a Visa Commercial Payment product. An issuer could use the spend information associated with the matched suppliers to determine the potential size of the organization's card program. This may drive card spend and reduce procurement costs while delivering financial benefits.

Frequently Asked Questions (FAQ's)

Various teams throughout the world use the Visa Supplier Matching Service API. This section lists a few of the most common asked questions and answers.

Q:  How often is the Visa matching database updated?

A:  The Visa commercial merchant database is updated monthly.

Q:  How can I improve my match results?

A:  Users should ensure their input data is properly formatted and parsed into the relevant fields; supplier name, address, city, state, postal code, country , telephone number, and tax identification number.

Q:  What does that match confidence stand for?

A:  Visa will return a Match Confidence indicator along with each record that matches; Low, Medium, and High. These indicators are defined as follows:

Match Confidence Description
High   Matched on supplier name and full address and/or other data provided   
Medium   Matched on supplier name and partial address and/or other data provided   
Low Matched on supplier name only
Blank Did not match to a record in the Visa commercial merchant database

Q: Why did we receive multiple Merchant Category Codes (MCC's) tied to a single supplier?

A:  Many of the merchants within the Visa commercial merchant database process transactions with multiple MCC's. This could be due to the merchant having several terminals and/or business entities. If the input supplier record matches to one of these merchants, then each of the applicable MCC's will be included in the output results.

Best Practices

This section lists information regarding Visa Supplier Matching Service APIs best practices which issuers should be aware of in order to receive optimal match results.

  • Include the complete supplier company name and full address information. The street address should consist of the physical or billing address versus information carried over from the company name (e.g. Attention to, Care of, Department of, etc.).
  • List only frequently used suppliers that sell targeted commodities and services. Do not include internal payees, taxing authorities, or duplicate or inactive suppliers.
  • When interpreting the results, users should understand there's a probability that input data with commonly used company names may match against a supplier record within the Visa commercial merchant database that is not the same entity.