User Data

Leverage continually updated data sources to help verify customer-provided information.

Compare customer-provided information with verified data sources to help confirm name, physical address, email address, and phone numbers (VoIP, mobile, home). Potential uses include client onboarding, digital wallet provisioning, 3-D Secure authentication, and more.

available for use by:

Issuer Banks
Acquirer Banks
Merchants
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Compare user-provided information with verified data sources

User Data service helps clients compare user-provided information with verified data sources to help confirm end-user attributes including name, phone number, email address, and physical address. Potential use cases include client onboarding, digital wallet provisioning, 3-D secure authentication, and more.

How Does It Work?

Clients access the User Data service through the User Data API, sending a request to Visa with the end-user's name and at least one end-user attribute: phone number, email, and/or address. The User Data service will return a match score representing the strength of the association between the end-user's name and each attribute. User Data may also return additional data points that provide clients with further insight. For example, additional data points can show if a phone number is associated to a landline or mobile or whether the line is active or not.  

User Data Workflow

Key Benefits

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Confirm customer details

Confirm address, phone number, and email are associated with your customer.

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Verify recent changes

Verify recent changes in customer information, including customer’s name.

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Check for unverified phone lines

Check for unverified phone lines and email to help detect fraud.

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