Visa Account Updater Issuer Stop Advice API
Enable VAU issuers to place cardholder level Stop Advice at a merchant level
available for use by
Issuer Banks
Issuer Banks for Small Business
Regional Availability
View Details- N. America
- Asia-Pacific
- Europe
- CEMEA
- LAC
Pricing & Terms
Free to use in Sandbox. Product terms located at end of the page.
Proactively block a merchant from getting an automatic VAU update update (e.g., following reported fraud) while still allowing their cardholder to transact with the merchant
The VAU Issuer Stop Advice API is a secure, scalable, and high-performance web service/API for issuers and issuer processors to send VAU requests to place stop advice to prevent updates for specific cardholder PAN(s) and merchant(s) combinations from being shared.
The benefit of VAU Issuer Stop Advice is that an issuer can block a merchant from getting an automatic VAU update (e.g., following reported fraud) while still allowing their cardholder to transact with the merchant where appropriately authorized by the customer.
The functionality allows VAU issuers to place cardholder level Stop Advice at a merchant level. Issuers can use the VAU Issuer Stop Advice feature to prevent updates from being shared with specific merchants. VAU Issuer Stop Advice only block the VAU update and do not result in Visa declining the transaction. Stop Advices are different than stop payment orders that issuers can place using Visa Stop Payment Service (VSPS) as VAU Issuer Stop Advices only blocks automatic credential updates.
For issuers or issuer processors, this new VAU Issuer Stop Advice API solution brings the possibility to integrate their web-based applications thereby avoiding manual process of placing the stop advice on VAU application on VOL.
Issuers already using VAU application on Visa Online to place stop advices separately on VAU and Real Time VAU will have the option to use the API. The VAU Issuer Stop Advice API is an additional channel to supplement issuers placing stop advices manually using the VAU application on Visa On-line (VOL).
Key Features
Stop Advices placed apply to both VAU and Real Time VAU
Supports single PAN or multiple PANs per API call with multiple merchants. (Max: 100 requests per call)
New daily Stop Advice Reports will be available that provide a list of stop advice issuer has placed in VAU and Real Time VAU using the new API.
Security and reliability
Provides access to a trusted network to help ensure that payments are handled securely
How It's Used
Fraud Detection
- The automated solution may help break the cycle of repeated fraud
Contact merchants submitting recurring billing and/or installment transactions
Merchants with other card not present (CNP) transactions that have a card-on-file business model are also good candidates
Dispute Reduction
- Easily blocking cardholder updates from being provided to merchants where fraud was reported may help reduce repeated disputes
Efficiency
- Automating the stop advice creation process can reduce manual processes for issuers saving both time and money and increasing the efficiency