Getting Started with Visa Transaction Controls

About Visa Transaction Controls

Consumers want complete visibility and control to track their spending. Visa supports you in creating next gen banking experiences that put your cardholders at the center of your mobile app.

Key Features

  • Offer blocks and alerts for the following transaction types 
  • Available on mobile banking app or online website
  • Available for all cards regardless of brand or network routing
  • Visa's On Behalf Of (OBO) service reduces your work-effort and costs for all Visa processed transactions

Availability

The following table lists the regional availability for Visa Transaction Controls. To view availability of all products, refer to the Availability Matrix.

Available in entire region

Limited availability in region

Not available

Region Availability Notes
North America
Asia-Pacific
Europe
CEMEA
LAC

Types of Controls

VTC offers issuers a variety of block and alert capabilities, the exact features and functionality of which they can then select, configure and present to their cardholders. VTC blocks and alerts are extremely flexible and designed to work together or be used independent of each other, as standalone features, with different thresholds triggering their use.

For example, an issuer may allow cardholders to block all internet transactions or only internet transactions over a certain purchase amount. An alert may accompany these transactions that is triggered at a lower dollar amount than is used for declines (e.g. trigger an alert for all internet purchases over $100 and decline all internet purchases over $1000). Similarly, the issuer may not want to offer transaction blocking seeking to avoid unintentional declines and only allow use of VTC alerts.

Each VTC alert contains important transaction details, such as the amount, time, date, alert type and the type of purchase. Alerts allow cardholders to take immediate action at the first sign of potential fraud. Alerts are sent to the issuer’s existing alert platform to notify the customer.

TYPE OF BLOCKS AND ALERTS
DESCRIPTION
Global

Card-level rules, imposed on all transactions  (e.g. Card On/Off).    

Cross Border

Used when the merchant and issuer’s country code do not match for a card-present transaction.

E-Commerce

Used for card-not-present transactions performed at e-commerce and mail order/telephone order (MOTO) merchants

ATM Withdrawal

Used for ATM cash withdrawals.

Brick and Mortar 

Used for card present transactions.

Auto Pay 

Used for recurring or installment payment transactions.

Contactless 

Used for contactless purchases in a card present environment.

Merchant 

VTC supports a number of merchant control catagories (see Customer Rules API MerchantControls child attributes.  Enabling a merchant card control will trigger a VTC response whenever a purchase is made at a merchant with a corresponding MCC. 

What's New - Release Notes

April 2018

  • Display Aggregate spend in VOL VTC Program Admin Tool: Allows issuer customer service representatives to view and manage a cardholder’s aggregate spend settings.  Cardholders can set daily, weekly, or monthly spend limits.
  • Removed TCT_FUNDS_TRANSFER Control Type:  Integrated the FUNDS_TRANSFER card control functionality with the ATM_WITHDRAWAL control type.   The ATM_WITHDRAWAL card control is used to monitor and block all ATM activity (withdrawals, funds transfers and balance inquiries – deposits are not impacted). 
  • Removed MCT_RECREATION Control Type: Reassociated the MCT_RECREATION merchant control categories with the MCT_SPORTS_AND_RECREATION control type.   
  • Alert History: Allows issuers to retrieve an account’s alert history based on the documentId, decisionId or notificationId.