Visa Card Eligibility Service

Provide eligibility access rights to exclusive offers and benefits.

Visa Card Eligibility Service can enable Visa client, merchants and developers to check for eligibility to offers and benefits based on the card number subject to terms and restrictions. The eligibility criteria may range from broad to more granular card attributes.

available for use by:

Issuer Banks
Acquirer Banks
Merchants
Independent Developers
Small Businesses
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Check eligibility for offers and benefits more easily

Visa Card Eligibility Service (VCES) can enable Visa client, merchants and developers to check for eligibility to offers and benefits based on the card number subject to terms and restrictions. The eligibility criteria may range from broad to more granular card attributes and could include access based on number of purchases of the offer or benefit done in the past. The attributes of the card (issuer BID, card product etc. ) could be returned for an eligible card meeting the qualification criteria of the offer or benefit. Multiple 'Eligibility Level' could be configured for the same offer and returned in the response for an eligible card which could be used to create customer access levels. 

Key Features

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Check eligibility to offers and benefits based on the card number.

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Compare eligibility criteria against pre-defined rules.

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Multiple integration touchpoints to create an optimal user experience.

Why Use It?

  • Provides an easy and elegant way to check if the card meets a complex eligibility criteria before providing access to premium offers or benefits.
  • Helps issuers and merchants to create portfolio specific benefit or service offering and thereby enabling them to track the impact of engagement on spend and loyalty.

How Does It Work?

VCES is a card number verification service designed to promote targeted distribution of Visa card benefits. The service enables Visa clients, merchants and third-party developers to use a 16 digit card account number to check eligibility and benefits access rights available for the associated Visa cardholders.

The below provides the steps involved in, how a merchant partner could use the service. 

  • The merchant onboarding is done to capture the basic details. This would be done in collaboration with your Visa representative.
  • A program for the merchant is created and a set of eligibility criteria is assigned to the program. More details on the eligibility criteria are available in Getting Started section.
  • A merchant having access to the PAN data as part of the use case would use the Visa Card Eligibility API and follow the below steps:
    • The mechant calls the Validate operation to check if the cardholder has access to the privileged offer or benefit.
    • A success response is returned if the card is eligible for the offer or benefit. If ineligible, a status code is returned indicating the reason (does not meet the qualification criteria and/or does not meet the redemption access criteria).
    • If eligible, the cardholder is shown the offer or benefit details. The cardholder goes through the purchase flow and enters their card details in the merchant checkout page.
    • The merchant would call the PrePay operation to check if the card entered by the cardholder is the same one which was used initially to check the access privilege. Based on the success of this call, the merchant would submit the card information to their payment provider.
    • After the payment has been processed successfully, the final Redeem operation call would be made to notify VCES that the cardholder completed the purchase. The Redeem operation call would be made as a final step after the completion of all business processes on the merchant side.
  • A merchant not having access to the PAN data as part of the use case would use the Visa Card Eligibility iFrame API and follow the below steps:
    • The mechant calls the GetToken operation to obtain a token which is valid for 60 seconds.
    • The token obtained in the prior step would be sent as a parameter to load the VCES iframe. The partner can customize the look-tone-feel of the iframe through CSS hosted on their side. The externally hosted CSS file line would need to be provided as part of on-boarding.
    • The cardholder enters their full 16 digits of the card on the iframe and submits the iframe.
    • VCES validates the card based on the eligibility criteria setup for the program and redirects to a pre-defined URL configured on the merchant side. This pre-defined redirect URL would need to be provided as part of on-boarding process.
    • The merchant calls the ValidateResult operation to check the eligibility status of the card. The response of this operation lets the merchant know whether the card is eligible for the offer or benefit. If ineligible, a status code is returned indicating the reason (does not meet the qualification criteria and/or does not meet the redemption access criteria).
    • If eligible, the cardholder is shown the offer or benefit details. The cardholder goes through the purchase flow and enters their card details in the merchant checkout page.
    • The merchant would submit the card information to their payment provider.
    • After the payment has been processed successfully, the final iFrameRedemption operation call would be made to notify VCES that the cardholder completed the purchase. This operation call would be made as a final step after the completion of all business processes on the merchant side.

APIs Included

Visa Card Eligibility API

The Visa Card Eligibility API provides operations to validate the card, check during the prepayment and to track redemption post purchase. This API would be used by partners who have access to PAN data. The Validate operation provides a way to check if the card meets the qualification criteria setup for the program and is eligible to access the offer or benefit. The Prepay operation provides a way to check if the card entered during the checkout flow is the same card used to successfully make the Validate operation call. This call would be used by the merchant before they submit the card information to their payment provider. The Redeem operation can be used by merchant to notify VCES that card was used to purchase or redeem the offer or benefit. This call would be done after all business process updates are done on the merchant side.

Visa Card Eligibility iFrame API

The Visa Card Eligibility iFrame API provides operations to validate the card and to track redemption post purchase. This API would be used by partners who do not have access to PAN data as part of the usecase. The partner would call the GetToken operation to obtain a token which would be used in subsequent calls to load the iframe. After the cardholder enters the PAN on the iframe the user is redirected to a pre-defined redirect URL setup on the partner side. The partner would need to call the ValidateResult operation to check if the card meets the qualification criteria setup for the program and is eligible to access the offer or benefit. The iframeRedemption operation can be used by partner to notify VCES that card was used to purchase or redeem the offer or benefit. This call would be done after all business process updates are done on the merchant side.

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